Internet Finance Risk Management Questions Under Government Regulation

In recent years,with the Internet "cross-border revolution" sweeping across major traditional areas,the financial industry is inevitably deeply affected,which brings great opportunities to the reform and development of the financial industry,at the same time,it inevitably transmits its original risk to the financial industry,and the highly risky nature of the financial industry itself enlarges the risk effect.At present,the Party Central Committee and the State Council require to win the three key battles and prevent and resolve systemic financial risks.Under the baseline,the responsibilities of government departments to prevent and resolve financial risks are increasing.How to deal with Internet financial risks,how to coordinate risk prevention and how to adjust the ways and methods of financial risk management among different regulatory departments under the framework of financial separation supervision are worth it.Deep exploration.At the same time,under the framework of government regulation theory,how to grasp the scale of government regulation,optimize the means of risk management and improve the efficiency of risk management are also urgent problems to be studied and solved.Firstly,through collecting a large number of relevant documents and materials,this paper briefly analyses the development process of Internet finance,and makes an in-depth study on the current situation of Internet financial risk in China.Secondly,combining with the theory of government regulation,this paper makes a theoretical and empirical analysis of the objectives,requirements and means of government financial risk management,focusing on the analysis of what policy choices government departments should make when facing the dilemma of effectively managing internet financial risks and avoiding excessive restrictions on financial innovation.Thirdly,by summarizing the current situation of Internet financial risk management in China,the effect of government regulation and the shortcomings in risk management,the paper finds out the problems existing in the current Internet financial risk management,and analyzes the causes of the problems.Finally,from the aspects of perfecting laws and regulations,optimizing the concept of risk management,and strengthening the application of financial science and technology,this paper puts forward some measures and suggestions to strengthen the Internet financial risk management measures,improve the risk management system,and promote the steady development of Internet finance.