A Study On The Way Of Internet Financial Risk Supervision

The development of Internet finance in name is the subversion of traditional finance,it has completely broken the time and space limit of traditional finance,and has brought various conveniences and benefits to users with its high innovation and high efficiency,however,its current mode of operation and level of development have not been able to effectively eliminate the existence of financial risks.Compared with all the benefits it brings,its risks are even more serious and the risk supervision is more difficult.Since 2013,the Internet financial risk has been fermenting,breeding and spreading,which has impacted our country's financial market order seriously in recent years.These frequent financial risk events to a large extent explain the current lag of China's Internet financial regulation,its traditional regulatory model has been unable to play an effective role,urgent need for improvement and improvement.First of all,this paper sorts out the domestic and foreign literatures about Internet financial risk regulation and related concepts,and makes a detailed and in-depth interpretation of the connotation of Internet finance,which lays a theoretical foundation for the argumentation of this paper Based on the risk monitoring of Internet financial industry,this paper expounds the policy risk,default risk,fraud risk and technical operation risk,etc.This paper probes into the strategic methods for solving the risk problems in the development of Internet finance in the world,and analyzes the Internet financial risks in the light of the present situation of the development and supervision of Internet finance in China,this paper probes into the problems and causes of China's Internet financial supervision laws and regulations,supervision subject,risk identification,rigid restriction and so on.The main contents of the study include the outstanding risks that need to be solved urgently in China's Internet finance,and the discussion is carried out from the aspects of China's Internet finance development stage,mode,current state and so on,focus on the exploration of China's current Internet financial risks and regulatory deficiencies.Combining with the typical Internet risk events since 2015,this paper analyzes the causes and the failure lessons,and draws useful experiences from foreign internet financial legislation and differential management for us to use,This paper puts forward some strategies and suggestions,such as perfecting the legal guarantee of Internet financial supervision,constructing the prediction and identification system,using the risk prevention and control technology,and perfecting the Internet financial supervisionsystem.This paper holds that the Internet financial supervision platform has powerful data resources and diversified supervision means,and has unique advantages in risk monitoring,but it has not yet formed a comprehensive long-term governance mechanism for financial risks,because of the asymmetry of financial information and the absence of preventive technology,the supervision vacuum has provided the possibility of risk accumulation and outbreak.The risk prevention of Internet finance must be supervised by the government,the supervision department,the Trade Association and the Third Party,forming a complete supervision system,which is consistent from top to bottom,transversely connected,benign interaction and mutual supervision.The SAFE and stable development of Internet finance is the foundation of National Financial Strategy.The key to prevent Internet financial risks lies in the sound and effective supervision system.