Internet Financial Risk And Prevention And Control Measures Based On AHP

In June 2013,Alipay ushered in”Yuebao”,a brand new Internet financial management product.Due to its aspect of public micro-finance,the public has fully felt comfortable and convenient.Since 2014,Internet finance has been written into the government's report,marking that the industry has received national policy recognition and support.This industry can be described as a high-speed development,but it has grown rapidly while making the public feel efficient and convenient.On the other hand,it has also affected the safety of public property.Therefore,through the inherent risks of the financial industry and its own unique risks of integration with the Internet,reducing Internet financial risks,safeguarding the legitimate rights and interests of the public,and promoting the smooth development of the entire industry,it has become the focus of attention of the entire industry and theoretical circles.Thus,the evaluation and quantification of financial risks can not only effectively expand risk evaluation theory,but also enhance efficiency and strengthen the supervision and management.Initially,this paper introduces the basic situation of Internet finance and its risk identification method.It also analyzes the reason of Internet financial risks and the specific risks,types and characteristics of Internet finance,Internet financial risk assessment indicator systems including six tier 1 indicators and sixteen tier 2 indicators.The importance of risk indicators are divided into the sections of very important,important,more important and less important.Finally,using the AHP method different from the traditional single risk factor analysis method,calculating the weight of risk assessment indicators at all levels of Internet finance,and the fuzzy comprehensive evaluation method is used to evaluate the overall risk level,and an AHP-based internet financial risk assessment model is constructed..Through a series of analyses,although the development of Internet finance in China is in the rising period,the risks involve both Internet and financial.Among them,the most significant impact of risk indicators on Internet finance is Internet financial technology risk and Internet finance market risk.Consequently,we need to strengthen the development and support of Internet finance technology.As for the Internet finance market,we need to strengthen market access and market exit system.