Research On The Development Of Private Financing Network Transformation From The Perspective Of Financial Ecology

With the promotion of big data,Internet technology and the development of the network environment,China’s traditional private financing has rapidly been transformed into the direction of online finance.The traditional tangible financing surface was replaced by the network form,and various financial intermediaries are replaced by the network platform P2 P.Consumer lending turns to third-party payment,and direct lending turns to network financing,and corporate fund-raising turns to crowd-funding financing,and the financing trading circle is also acquainted by acquaintances.The transaction is magnified to a larger extent between strangers.As a result,the organizational form,structure,trading methods,and market size of the traditional private financing industry have undergone tremendous changes.The rapid transformation and development of networked private financing has enabled all capitals to gather in the network market,expanding financial service boundaries and businesses,and promoting a large amount of financing,which has formed a major evolution of the private financing industry.In the same time,due to the changes in the entire financial ecological environment and the particularity of traditional private financing and Internet integration,the negative phenomenon of financing violations such as platform self-sufficiency,fund pool,fraud and platform running have emerged in the process of transformation.The private network financing inherits the spontaneous and evolutionary characteristics of the traditional private financing ecology.Combined with the wide application of network technology,it exposes a series of risk issues in its network transformation and evolution process.It includes not only all the problems of "private financing,but also there are new problems such as "technical traps","funds pool" and "platform self-inflation" brought about by the network environment.In fact,the financing risks derived from the evolution of their ecological networks,the financial management and long positions of current financing management Management have obviously failed.In view of the above problems,it is necessary to conduct an academic analysis in a timely manner,from identification,early warning to prevention,disposal and other aspects to the supervision and risk management issues in the Internet financial industry,and to conduct in-depth research.This paper expounds the development status of private financing network transformation,and analyzes the mechanism of private financing network transformation from the perspective of financial ecological evolution and development,and expounds the inevitability of private financing network transformation.Applying the principles and analysis methods of financial ecological evolution,the paper deeply analyzes the relationship mechanism and the issue of private financing evolution.On the basis of theoretical and empirical analysis,starting from the reality of "funding transformation of private financing network" and according to the principle of ecological evolution management,this paper proposes a series of research proposals on "ecological professional management" and "risk-oriented control" of Internet finance.