Research On Internet Financial Risk Prevention Mechanism

China's Internet finance has really begun to develop for a short time.From the beginning of the 1990 financial payment attempt,to the 2005 Internet finance,the Internet finance is still in the stage of testing the water;from 2007 to 2013,Ali led Alipay to promote third-party payment,and online loans have mushroomed.Endlessly,Internet finance began to develop in China.From 2016 to 2018,with the imperfection of market supervision mechanism and risk management,Internet financial risk loss incidents followed.At present,the measures for industry supervision are becoming more and more perfect,and efficient market supervision and risk prevention are the first guarantees that Internet finance can better play the role of serving the real economy.Different from other Internet financial models,online lending has always had a large risk since its launch.Among them,the "campus loan" under the Internet financial environment is one of the outstanding representatives of the loan and loan storm.It not only makes many students fall into the routine loan,but also seriously affects the physical and mental health of contemporary college students.In addition,the P2P online loan platform is one after another.The"running"incident also hit traders'market confidence.In order to better establish the Internet financial risk prevention mechanism,it is necessary to deeply analyze the risk incentives of Internet finance and explore the core issues of the current online loan model.This paper will combine case and empirical analysis,firstly study the characteristics of Internet financial risk in China;secondly,through the gray correlation and regression analysis method,collect the latest data of 150 sample platforms in 2018 and then quantitatively analyze the risks of the online loan industry.It shows that there are problems in fund management,platform access and information disclosure in the online loan industry.Research shows that China's current compliance with the Internet financial industry and risk prevention need to further improve the requirements.The risk prevention mechanism will be based on the macro and mesoscopic directions,and effectively regulate the normative development of Internet finance from the regulatory system,technology application and platform operation.Risk is always the key to finance,and risk prevention is a prerequisite directly affecting whether finance can serve the economy and serve people's livelihood.The"power" of the strong Internet finance regulatory policy introduced by the country has gradually emerged,and various normative measures including online loans have continued to advance.In 2018,the"Opinions on Institutional Disposal and Risk Prevention Work"determined that institutions should be the main risk management object,and the local version of the online loan risk disposal rules were also accelerated.According to the monthly report of the latest online loan home,in February 2019,the total number of P2P platforms,the total business scale,and the number of investors were "three downs".With the continuous improvement of supervision and market,the Internet finance industry will gradually turn to the right track.The future risk management will be an all-round,multi-angle and efficient comprehensive supervision system,laying a foundation for better financing of the Internet economy.