Research On Advantages And Risks Of China's Internet Finance

In recent years,the vigorous development of the Internet finance industry represented by Balance treasure,P2 P online loan,bitcoin,and crowdfunding has aroused the attention of all sectors of the society,changed the habit of saving and investing for many people,and improved the efficiency of fund allocation.Promote the implementation of inclusive finance.As an emerging financial industry,Internet finance has advantages over traditional financial performance in reducing transaction costs and information asymmetry due to the characteristics of openness of resources,cost intensification,market selection,online channelization,high efficiency of operations,and user behavioral value.The great advantages make the market transactions more efficient and expand the possibility boundary of the transaction and release the vitality of our economy.However,we cannot ignore that the Internet is also facing a certain degree of risk while bringing convenience.The advantages and risks of China's Internet finance,the study of the role played by different advantages,and effective prevention of financial risks are of great significance for the formation of a stable technical support and standardized institutional system,which in turn will promote the sustainable and healthy development of the national economy.This article first clarifies the concept,evolution,and status quo of internet finance,and explores the advantages and risks of internet finance.It builds a comprehensive evaluation index system of internet finance advantages,and uses a fuzzy analytic hierarchy process to comprehensively evaluate the advantages of internet finance.Different levels of internet finance have different levels of performance.From the perspective of the platform,the P2 P online loan data frequently used by the current issue is selected by the logic test method to verify the risk level of the platform.On the one hand,the platform is vigilant and timely.Take risk control measures as a reference,on the other hand,it also provides investors with standards for testing platforms,reduces investment risks,and conducts comprehensive and systematic discussions on the advantages and risks of Internet finance from qualitative and quantitative perspectives,in order to promote the development of Internet finance.for reference.Finally,it discusses the problems existing in the development of Internet finance,analyzes the reasons for the problems,summarizes the theoretical analysis and data analysis of the articles and puts forward relevant policy recommendations,and provides reference significance for the application of Internet finance in the future and the avoidance of risks in the future.