Internet Consumer Finance And Its Risk Control Research

At present,China's economy is changing from high-speed development to high-quality development.Speeding up the adjustment of economic structure has become the primary task of China's economic development.Finance has promoted the development of real economy with its diversified financial products,the development of consumer finance has become the new growth point of China's economic development,and the development of consumer finance has become one of the important ways to expand domestic demand.Internet consumer finance based on the new generation of Internet technology and the development of big data,China's financial development has become a new trend of attention by all industries.Since 2010,when China started the pilot program,Internet consumer finance has developed rapidly in different fields.The most typical e-commerce type of Internet consumer finance relies on its own consumption scenario,has stable users,and is based on e-commerce platforms,by providing customers with goods in stages of service on the platform for sales to achieve a rapid transformation to the Internet consumer finance.With the help of accumulated customer data,e-commerce giants such as Jingdong and Alibaba have launched Internet consumer finance businesses by conducting credit assessments on users.The policy support of consumption finance,the change of consumption idea and the application of financial science and technology make the consumption finance industry of our country usher in "explosive" development.The annual promotion of various shopping festivals,such as the eleven,together with the promotion of Internet consumer credit products such as "Baitiao" and "Huabei",has greatly stimulated consumers' desire to spend,internet consumer finance has been gradually integrated into our lives and has played an indelible contribution to the rapid development of China's social economy.However,as China's Internet consumer finance is still at the initial stage of development,Internet consumer financial institutions have not yet had enough experience in the financial field,and the authenticity of the credit data they have obtained is not enough,in addition,some companies "heavy flow,light wind control" and lead to the accumulation of risk,in the course of business is also facing great risk.At present,due to the weak foundation of credit market,the imperfect mechanism of personal credit sharing,and the online mechanism of credit approval and loan approval,the risk of the subject of credit is aggravated.This paper analyzes the advantages and disadvantages of China's current risk control system from the aspects of the development course and risk characteristics of Internet consumer finance,and expounds the disadvantages of the personal credit investigation system existing in internet consumer finance,the paper puts forwardsome suggestions on risk control in the development of Internet consumer finance in China,such as insufficient information disclosure of consumers,inductive consumption of consumer financial institutions,etc.In the course of analysis,the paper takes the "Jingdongbaitiao" launched by JD.com group as the research object,and uses the method of quantitative and qualitative analysis to expound the development course of "Jingdongbaitiao" and the operation mode of "Jingdongbaitiao",this paper analyzes the problems existing in the risk identification,risk assessment and risk monitoring of the " Jingdongbaitiao ",this paper puts forward some measures such as perfecting the risk control flow of " Jingdongbaitiao ",establishing the risk control measures of internal and external linkage,improving the credit risk management level of " Jingdongbaitiao " customers,etc.,to improve the risk control system of "Jingdongbaitiao".The development of Internet finance needs to strengthen the formulation and improvement of the legal norms of Internet consumer finance,establish a perfect supervision system and personal credit investigation system,and strengthen the construction of the risk management ability of Internet consumer finance.The healthy and steady development of Internet consumer finance plays an important role in perfecting the financial market structure and improving the quality of economic development.