The Internet Bill Financing Business Risk And Control Research

As long as bill business is a bank traditional service,the bank has been absolutely of Party A,but in November 2013,the first domestic Internet bills platform named Fortune Cat officially launched,bill financing is no longer the unique bank business.Absorption of small denomination bill,the natural person may competing for a slice of the action from Internet bills financing,also the financial management platform can get profit from acting as a go-between in business.Internet bills financing is lower risk than other Internet financial product,belong to the above superiority and its income is higher than traditional bank financing products,when the internet bills financing once launched,the hot fad of internet financing products like Yu'E Bao is fading away.Internet bills financing becomes the new favorite immediately as a result of the increasing internet thunderstorm and temporal shortage of the bank product's lower interest.This paper briefly described the current Internet bills the vigorous development of the financial industry of the dangers of at the same time,such as business failures investor principal nowhere to go,get legal protection,discusses previous scholars put forward the relevant theories of financial crisis on the Internet.Secondly,analysis the Internet bills finance bill pledge financing pattern is the main operation mode,and this mode,the Internet bills of all kinds of risk of financial industry,such as paper,the underlying risk,management risk,policy risk,legal risk,etc.Then,through case law,analyzed the causes the collapse of the two industry leading enterprises,proves that the core risk of bills financing mainly comes from the harmony management risk,which is the main factor that will decide the fate of the industry in the future,so that it is necessary to regulate and protect long-term development of this industry in a reasonable way Finally,this paper puts forward the hope that through a change in the law,strengthen supervision,increase the risk of a data transparency and other methods to improve the controllability.