Research On Internet Financial Risk Supervision

In recent years,the rapid development of internet finance has overcome the limitations of traditional financial services,enhanced the general availability of finance,provided new service channels for Chinese consumers and SMEs,and alleviated the difficulties and high costs of SME financing.However,due to the dual nature of internet and finance,internet finance not only faces all the risks of traditional finance,but also faces some major risks.How to manage these risks is worth studying.This article focuses on the management of Internet financial risks.First of all,it analyzes the status quo of Internet finance development and specifically analyzes the main risks of Internet finance such as information technology risk,mixed business risk,diffusion risk and long tail risk.Secondly,using fuzzy analytic hierarchy process,an empirical analysis of the main risks of internet finance was conducted.According to the ratings of supervisors,experts,and scholars,a judgment matrix is constructed to calculate the weight of each index,and whether the judgment matrix has satisfactory consistency is tested.Then the effect of all factors on the evaluation object is comprehensively estimated and the fuzzy comprehensive evaluation set is calculated.The principle of maximum subordination,take bi=max(b1,b2,b3...,bn)to obtain the evaluation result.Finally,combining with the status quo and insufficiency of China's Internet financial supervision,it discusses how to strengthen the supervision of the main risks of Internet finance,and puts forward corresponding countermeasures and suggestions.