The Reserch On Financial Risk Prevention In Ali Small Loan

With the development of Internet technology,Internet finance has begun to appear and has begun to play an important role in the financial field.Ali small loan is the earliest group of Internet financial enterprises in China,and its development has a certain reference significance for other Internet financial enterprises.However,judging from the current development of Ali's small loans,although it has achieved great development since the beginning of the operation of the company,there are still many risks.If the Ali small loan does not formulate a certain risk response strategy for these risks,then it will greatly affect the future development of the Ali small loan.Based on the theory of risk management,this paper analyzes the financial risk of Ali small loan on the Internet,and tries to make a comprehensive analysis of many risks existing in various aspects of Ali small loan at present and put forward a correct risk response strategy.First of all,this paper carefully analyzes the current situation of the financial development of Ali small loan Internet,and analyses it according to the risk management theory.It is found that there are five risks in the enterprise,including product risk,credit risk,internal control risk,illegal operation risk and information technology risk enterprise.Then use the method of literature review,theory and reality combined analysis method to analyze the various risks of the existence of Ali loan,hoping to get a more comprehensive study of the present risk of Ali small loan in various aspects,and to formulate the corresponding risk coping strategies according to the different risks.