Research On The Internal Control And Risk Prevention Of The Internet Finance Corporation

The rapid changes of internet finance,while bringing diversified business opportunities and income channels for various financial enterprises,also brings great challenges to internet financial enterprises:its characteristics of the high technique of internet,high efficiency information transmission,high universality,and so on,make it difficult to avoid systematic risk,market risk and information security risk,and the monetary capital attribute of internet financial industry,makes internet financial enterprises more risk than traditional mode.How to combine the internal control and internet finance,and improve the internal control of risk management system under the internet financial model of China that has become a topic of concern nowadays.The paper consists of five chapters,chapter 3,4,5 are the main part.The first chapter introduces the background,purpose and significance of the topic;Next reviews and analyzes the domestic and foreign literature,then introduces the research methods and content arrangement;Finally,lists the innovation.The main body of the paper is introduced by the concept of the second chapter and the internal control of internet finance in China as introduction—it gives the basic concept of internet finance and internal control.Next introduces the development course and business model of internet financial enterprises in China.Then analyzes the problems of risk and the differences of internal control between these two models,and summarizes the causes of internal control failure in China.The third chapter is the analysis of the U.S.A internet financial internal control case:by combing the practical experience of the U.S.A internal control risk prevention,the U.S.A internet financial enterprises based on the PDCA cycle of internal control risk supervisor system is refined.The fourth chapter,puts forward the reconstruction of the internal control system of internet financial enterprises based on the PDCA cycle.According to the reconstruction system of internal control,from the U.S.A experience to our country,the risk prevention of internet financial enterprises in China should be taken as recommendations.The fifth chapter,summarizes the full text.