Research On Risk Assessment Of Internet Financial Industry Based On Empirical Analysis

The purpose of this study is to construct an evaluation system for the risk situation of Internet financial industry through comparative analysis and empirical analysis based on statistical methods.This thesis describes the Internet financial industry,and analyzes the macro and industry influencing factors of the company in this industry by comparing the Internet financial industry with the traditional financial industry.It analyzes the influencing factors of the company by using company data in the Internet financial industry.This thesis studies the risk situation of China's Internet financial industry from the internal to external environment of the industry.The internal format of this industry has its innovation and risk,and the vigorous development of this industry has brought changes to its own and related industries,which is conducive to its convenience as a supportive industry and to the concealment of industry norms.With the progress of information technology,the development of artificial intelligence and the optimization of arithmetic technology in China,the trend of financial generalization is becoming more and more obvious.Under the policy dividend,various industries have made more in-depth capital links and formed more cross-industry businesses.On the one hand,it has increased the development opportunities of our industry.On the other hand,it has increased the channels of risk communication among industries,and the Internet financial industry is an important product of this era.This thesis introduces the Copula function and logarithmic probability regression model into financial risk analysis,introduces the research background,significance,research status and theoretical basis of the connection function and logarithmic probability regression model in the financial field,and summarizes the research status of Internet finance and finance.Firstly,the time-varying Copula function model of financial industry and Internet financial industry is fitted by using index data.The results show that the two indicators have up tail correlation and down tail correlation.So we can get that the development of Internet financial industry in China is highly related to the risk of traditional financial industry.Secondly,the logarithmic probability regression model is applied to the field of Internet financial companies.By collecting the annual reports and announcements of Companies in the Internet financial industry,the companies that have already had risk events and those that have not had risk events are statistically analyzed,and the risk indicators are constructed;through the analysis and use of the data in the balance sheet,profit statement and cash flow statement.The commonly used risk assessment indicators and new indicators are added to build the model of risk factors in the Internet financial industry.The model is summarized by principal component analysis and test data,and relevant risk management suggestions are put forward.By comparing and analyzing the risks of the industry,using market data and financial data to evaluate the current risk situation of the Internet financial industry in China,this paper concludes that the industry company is more active and risky,and makes risk management suggestions for the Internet financial enterprises.At the end of the thesis,by reflecting on the innovation and shortcomings in the research process,the future research directions are planned.