Research On The Identification And Prevention Of Internet Financial Risk In China

In 2015 the national NPC and CPPCC,China first proposed the "Internet plus" strategy,to promote industrial innovation,encourage industrial restructuring,promote economic development.Internet banking has emerged,such as bamboo shoots after a spring rain like usher in the explosive growth,the rise of Ali balance treasure development and all kinds of Internet credit platform is the most eye-catching,these have greatly enriched the Chinese financial industry participants,types of products,but also for the Chinese enterprises to provide more financing channels.But with the rapid increase of all kinds of risks in Internet finance,there are a series of problems such as usury,fraudulent consumers and so on,which seriously harmed the sustainable development of China's financial economy.Therefore,it is a breakthrough to effectively identify the risk of Internet Finance and to summarize the countermeasures.Based on this research background,this paper uses the literature research method and empirical research method,the financial risks of the Internet for the effective screening,the related theories and the introduction of master,Internet financial risk effectively measure fuzzy AHP,and puts forward the countermeasures to improve the financial system,the Internet,has extremely the important significance of strengthening internet financial security.This paper focuses on the identification and prevention of Internet financial risks.After several levels of research,the following conclusions are drawn: first,the current financial industry is in the stage of rapid development and innovation.Internet finance has become the key direction for future financial institutions.Second,analysis of the Internet financial risk types and risk performance,as compared with the traditional financial services,Internet banking is the main trading through the Internet,and the use of electronic money in the form of trading behavior was more regulatory grasp,but also has a characteristic of transaction object Fuzzy,the risk prevention and supervision of Internet banking becomes more complex and more difficult.Third,using the combination of Fuzzy AHP and the method of case analysis to identify Internet financial risk and prevention strategy,that the main risks of Internet banking is legal and reputational risk,technical risk and external risk from the industry level,to accelerate the construction of legal system,strengthen the effective supervision;perfect risk control means strengthen the enterprise internal management and strengthen the credit risk management,accelerate the establishment of credit systemand other aspects of multi pronged approach,to jointly promote internet financial risk prevention.Through the related research in this paper,on the one hand,in the process of Internet financial risk assessment,fuzzy analytic hierarchy process(AHP)and empirical case analysis are introduced to improve the accuracy of risk assessment,which is a new research idea.On the other hand,the summary of Internet financial risk prevention countermeasures and suggestions can provide a reference for the next step of Internet Financial steady development,and help to improve the efficiency and level of Internet financial development.