Internet Finance Enterprise Risk Identification And Control

Internet finance is a kind of inclusive finance model.With the rapid development of Internet technology,Internet finance continuously penetrates into all aspects of people's life,and has an important impact on the pattern of China's financial industry.Internet finance breaks the traditional pattern of financial intermediary with the help of Internet characteristics,weakens the degree of market information asymmetry,and is conducive to reducing transaction costs.Different from traditional finance,which focuses on serving high-end customers,the main profit model of Internet finance is to serve the remaining 80% of long tail customers,strengthening the universality of the financial industry.At present,Internet finance has entered a period of rapid development,which benefits from the popularity of e-commerce and intelligent terminals in China,as well as the public's demand for new financial management methods.The research on the risks of Internet financial enterprises not only helps enterprises to effectively avoid risks,ensures the smooth development of the industry and facilitates the daily life of the Chinese people,but also brings new vitality to the entire financial industry in China.However,Internet is a double-edged sword.While enjoying the convenience brought by Internet finance,we can hardly ignore its potential risks.This paper is divided into six chapters.The first chapter introduces the research background of this paper from two aspects.On the one hand,Internet finance is an important industry with huge development prospect and far-reaching influence on society;on the other hand,the risk environment faced by Internet finance enterprises is complex,and risk control plays an extremely important role in the healthy development of mujin enterprises.At the same time,the research significance of this paper lies in that it can not only enrich the research of related topics from a theoretical perspective,but also provide some reference for the development of traditional financial industry and small and medium-sized mutual financial enterprises.The second chapter,literature review,focuses on the analysis of Internet financial risks,and introduces the current research status from the aspects of risk causes,risk types,risk prevention and supervision.The third chapter introduces the basic theories of Internet finance,including inclusive finance theory,long tail theory and information asymmetry theory.Then it introduces the development background and development process of China's Internet finance industry.Finally,it introduces the main modes of China's Internet finance,laying a foundation for the following risk research.Then focuses on Internet financial enterprise facing the risk type and its characteristics and causes,on the basis of the ant gold clothing company,for example,through the analysis of the ant gold service operation mode and operation status quo,which leads to the latent risk point in each business and technical risks exist in the business and legal policy risk analysis of the ant gold enterprises facing the main risk types.Finally,based on ant financial's current risk control system "ant shield",the paper analyzes the references of ant financial's risk control system,and proposes to explore new measures for risk control from the two aspects of big data and AI based on the above analysis.It is hoped that the research can enlighten China's Internet financial enterprises in risk control.Due to the lack of internal operation data of unlisted ant financial enterprises,the risk has not been quantified,which is the deficiency of this paper.