Research On Financial Risk Assessment And Control Of FinanceSN

More and more e-commerce platforms begin to build financial holding groups to develop Internet financial services,including third-party payment,supply chain finance,consumer finance,product sales and other business forms.Depending on its own platform advantages,e-commerce and Internet financial business has developed very rapidly,which also brings convenience to the lives of consumers.However,while these financial holding groups grow brutally,they may also have problems of circulation,false capital injection and interest transmission of related party transactions,which bring risks of cross-agency,cross-market and cross-industry transmission.The supervision of such companies has also been highly concerned by the central government.Studying the identification,evaluation and control of financial risks of financial holding groups is helpful to rectify the existing problems and promote their healthy development.Firstly,by introducing the main business,risk management status and financial status of FinanceSN,this paper identifies the financial risks of FinanceSN.Secondly,based on the identified four types of financial risks,this paper establishes a financial risk evaluation system,uses the analytic hierarchy process to determine the weight of indicators,the efficiency coefficient method to quantify the score to evaluate financial risks,and presents it in the form of radar chart,and then puts forward risk countermeasures for the financial risk evaluation results Then,according to the results of financial evaluation,this paper analyses the causes of financial risks,and puts forward some suggestions on how to deal with the risks.The article draws a conclusion:from the broad sense of financial risk of FinanceSN,there are four financial risks in FinanceSN:financing risk,investment,fund recovery and transmission;multi-channel access to low-cost funds can cope with financing risk;adding external credit mechanism,fund monitoring mechanism and enriching product types can cope with investment risk;strengthening risk control can cope with fund recovery risk.Technology outsourcing expands the source of customers and risk isolation mechanism can cope with financial risk transmission risk.According to the characteristics of financial holding companies,this study designs a financial evaluation index system,hoping to make a useful supplement to the theory of financial risk evaluation;effectively identifying and responding to financial risks can help other financial holding groups to move towards higher financial efficiency and smaller financial risks.