Supervision And Arnalysis Of Internet Financial Risk In China

With the development of the world,people's lives have changed.Internet finance has entered people's lives and work areas,brought convenience to people's lives,and brought convenience and efficiency to financial services.Since internet finance is an organic combination of the computer industry and the financial industry,this industry has the advantages of the computer industry and the financial industry,but it also has the risks of these two industries,and thus imposes higher requirements on the supervision of this industry.The development time of this industry in our country is relatively short,it is difficult to see the risks hidden behind this industry,and it is difficult to formulate feasible supervision measures based on the characteristics of this industry.This requires the constant efforts of industry people to complete this work.This article is divided into five modules.The first module describes the research background significance of Internet finance and relevant theoretical research at home and abroad,providing a theoretical basis for the following research on Internet finance.The second module elaborated the concept,development status and development model of internet finance,and explained that China's internet finance has a weak degree of financial exclusion,transparency of financial information,a strong concealment of financial activities,a decommissioning of financial processes,and a minimization of costs.Huihua,the virtualization of the Internet economy,and the risk of emerging industries.The third module illustrates the risks of China's Internet finance business through the characteristics of Internet financial services,and summarizes the characteristics of its risks.The fourth module illustrates the status quo of China's Internet finance supervision and the existing deficiencies,according to the risk characteristics of Internet finance.For example,the coverage of laws and regulations is relatively narrow,supervision guidelines are not in place,and the supervision of technology risks is relatively backward.The fifth module proposes corresponding financial supervision suggestions based on the insufficiency of Internet financial supervision,such as perfecting regulatory laws and regulations and strengthening business risk prevention.