| BackgroundWith the rapid development of emerging technologies such as Internet technology and mobile communication technology,Internet finance is booming,and the trend of high efficiency and convenience has been achieved in business operations such as financial communication,payment and information intermediary.With the deepening of the integration and penetration of the Internet and the financial industry,the breadth and acceptance of Internet financial society are becoming higher and higher.It has become an important channel for current financial business behaviors such as social financing,fundraising,and capital transfer.The accompanying financial risks also follow.Due to the development of the current laws and regulations and financial supervision,there is a "time difference",and the emergence of Internet finance has brought huge development momentum to the society,but it may also trigger the risk of Internet financial group events,which will cause great social stability and harmony.Hidden trouble PurposeProperly solving the problem of the integration of Internet finance and social environment is not only a logical starting point for effective prevention and containment of risks,but also a basic prerequisite for ensuring the sustained and healthy development of Internet finance.Method1.Sort out the theories of group events triggered by Internet finance through literature research methods to provide a theoretical basis for the research of the subject.2.Use case analysis method to analyze multiple cases,find out the personalityproblems and common problems,and systematically analyze a case.3.Use the semi-structured interview method to hold discussions with relevant individuals,enterprises,and government agencies involved in a particular case,and gain a deeper understanding of the case through deep-rooted,zero-distance contact.4.Use the inductive analogy method to scientifically analyze the group time,and make an analogy with other group time,study the differences of various group time,and summarize the common factors.ResultThrough in-depth investigation of group incidents,the main reasons for its occurrence are mainly in the following aspects:1.High income attracts a large number of low-income groups: With the rapid development of the socialist market economy with Chinese characteristics,the problem of interest rate liberalization is currently unavoidable,and compared with traditional commercial banks,the Internet financial industry has an annual income of up to 12% ~20 % Has a very high temptation to the masses,so it is easy to attract a large number of low-income groups.2.Low market entry barriers for the Internet finance industry: Companies engaged in the Internet finance industry only need to register with the industry and commerce administration department in accordance with the "Regulations on Company Registration and Management",and in accordance with the "Internet Information Service Management Measures" and the "Internet Site Management Working Rules" Regulations are required to be filed in the communications management department,resulting in uneven capabilities of various companies.3.The supervision system is not perfect: Although the People’s Bank of China issued the "Guiding Opinions on Promoting the Healthy Development of Internet Finance" to make principled provisions on Internet finance,the system of policies and regulations is not perfect,causing some companies to run,Fraud and other small-scale illegal andcriminal activities.4.Victims generally have low anti-fraud ability: In recent years,the mobile payment industry has entered a stage of rapid development and has gained popularity,which has caused some people to become blind to Internet finance and ignore the high risks of some financial companies.Conclusions1.Promote the high-risk nature of the Internet financial industry to the general public,increase the people’s cognitive ability and anti-fraud ability.2.Establish a standardized operation order and supervision procedures for the Internet financial market to eliminate instability from the source.3.Do a good job in personal-enterprise-government communication relations,by timely dealing with various contradictions,and advance the group time to avoid expansion. |
