Sichuan Internet Consumer Finance Industry Risk Assessment And Countermeasures Research

In the 19 th CPC National Congress,the Party took precautionary measures to resolve major risks as the first battle to win,which was one of the three major battles to build a moderately prosperous society in all respects,and the financial risk was one of the most prominent major risks at present.At the Central Economic Work Conference held in December 2017,the CPC Central Committee has clearly pointed out that it is the primary task for China to prevent and resolve systemic financial risks in the current period of time.In January 2018,in accordance with the spirit of the Central Economic Conference,the CBRC specifically defined the systemic financial risks that need to be solved urgently as ten specific risks.Among them,consumer finance,credit risk,financial innovation,household leverage ratio and so on were extensively involved.At the same time,the CPC Central Committee and the State Council attached great importance to the consumption upgrade and insufficient effective supply problems of the people's real needs.To effectively improve the efficiency and effectiveness of consumption and consumer finance,and further promote the level of domestic consumer market,we are trying to use the internet as a new medium to improve the information exchange efficiency.In order to achieve the above strategic objectives and speed up transformation and upgrade of consumption,on the one hand,effective supply should be increased to meet the people's diverse consumer financial needs,and on the other hand,consumer financial risk should also be well prevented after upgrading consumption ability and consumption demand.At the moment of using internet financial measures to boost consumption ability and promote economic development,a series of risks was also appeared.Facing the series of risks,as a government that maintains public interests,reasonable and efficient supervision of internet consumption financial risk is a valuable practical issue.This paper is entitled ‘Research on Risk Assessment and Countermeasures of Internet Consumption Finance Industry in Sichuan Province'.First of all,the risk management of internet consumer finance industry is carried out from an overall and systematic perspective.Secondly,by the risk management evaluation system,the risk of Sichuan internet consumer finance industry is evaluated.Finally,countermeasures and suggestions from the government are presented to supervise the risks of Sichuan internet consumer finance,and the issue is mainly divided into six parts for discussion and analysis.The first part is the introduction,which summarizes the background and significance of the topic,shows the domestic and foreign reviews,research methods,ideas,etc.,and reveals the practical and theoretical value of the topic.The first chapter offers definitions and overviews of finance,internet,internet finance,internet consumer finance and internet consumer finance risk,analyzes the characteristics and classification of internet consumer finance industry risk,and summarizes the significance and theoretical basis for the development of internet consumer finance.The second chapter describes the risks of internet consumer finance industry in China and the current situation of internet consumer finance industry in Sichuan Province.In the third chapter,a risk assessment system for internet consumer finance industry risk is established by analytic hierarchy process,and combining with this system,the risks of the Sichuan internet consumer finance industry are assessed by the questionnaire method and Delphi method.In chapter four,risk disposition and risk prevention of internet consumer finance risk in Sichuan Province are done from the perspective of government supervision.In Chapter five,conclusions and inspirations are drawn.