Research On Risk Identification And Supervision Of Internet Financial Enterprises In China

With the rapid development of science and technology,the interaction between the Internet and the financial economy industry has become increasingly close.The rapid progress of Internet finance has greatly promoted the innovation and development of the financial economy industry and accelerated the flow of capital.The rapid development of Internet finance has also been supported by the state’s attention and a series of preferential policies.In recent years,the state has introduced a variety of related programs,which not only promote the development of Internet finance,but also explicitly require local governments at all levels to make progress through the Internet financial industry.We will vigorously support the reform and innovation of Internet finance and hope to standardize Internet projects to monitor the sustained,stable and healthy development of Internet finance.Among them,the Chinese government has successfully launched the regulation of specific financial applications,including peer-to-peer lending(P2P),third-party payment,encrypted currency and so on.Due to the global outbreak of COVID-19,in addition to promoting the application of Internet finance to provide diversified financial and economic services,it also reflects the economic risks caused by Internet finance,which also warns governments to speed up regulatory action and strengthen supervision.Based on this,the author combines a large number of references and selects Ant Financial as a case study of Internet financial enterprises to start this study,trying to establish SWOT and PEST analysis models through the logic from internal to external,respectively,to analyze the operational structure and development history of the enterprise,and to summarize what kind of risks it will come under the influence of external objective factors in providing financial services;in order to develop its own enterprise It is hoped that the risks can be addressed in a targeted manner in the development of their own enterprises,and it is also hoped that the government can provide relevant risk regulation strategies to improve the risk regulation of Internet finance development in a more rational way and enrich the relevant theoretical literature.