scholarly journals Development Status, Causes of Risks, and Risk Supervision Suggestions on Internet Finance in China

2021 ◽  
Vol 4 (5) ◽  
pp. 45-51
Author(s):  
Junxuan Ni ◽  
Haoxuan Ni
Keyword(s):  
Financial Services ◽  
Financial Risk ◽  
Financial Risks ◽  
Financial Industry ◽  
Financial Model ◽  
Healthy Development ◽  
Development Status ◽  
Financial Exclusion ◽  
Internet Finance ◽  
Risk Supervision

As a useful supplement to China’s financial system, the development of internet finance has promoted the innovation of financial model and injected strong vitality into the financial market. Internet finance provides customers with more convenient and fast financial services, effectively alleviates financial exclusion, and reduces information asymmetry. It is of great significance to promote the marketization of interest rate and the development of inclusive finance in China. However, internet financial risk events occur frequently, posing a serious challenge. Therefore, this research analyzes the causes of internet financial risks, and provides suggestions on internet financial risk supervision, so as to promote a healthy development of the internet financial industry in China.

Internet Finance

2017 ◽  
pp. 167-190
Author(s):  
Marta Vidal ◽  
Javier Vidal-García ◽  
Stelios Bekiros
Keyword(s):  
Financial Services ◽  
Information And Communications Technology ◽  
The Internet ◽  
Communications Technology ◽  
Financial Industry ◽  
New Developments ◽  
Technology Industry ◽  
Online Marketplace ◽  
Use Of Technology ◽  
Internet Finance

New developments in the Information and Communications Technology industry have substantially increased the importance of the internet over the last decade. As a result, the finance sector has developed its technological capability to be able to compete in an online marketplace with other financial services providers and to be able to serve their customer. This chapter examines the use of technology in the financial industry and the various factors associated with it, as well as introducing the reader to the main types of project initiators-contributor business relations in online crowdfunding.

Credit and Financial Risk Measurement of Financial Enterprises Based on PSM Model

2021 ◽  
Vol 7 (5) ◽  
pp. 3710-3723
Author(s):  
Yijun Chen ◽  
Xiao Yan ◽  
Qiuhong Jia
Keyword(s):  
Financial Risk ◽  
Rapid Development ◽  
Social Economy ◽  
Risk Measurement ◽  
Financial Risks ◽  
Financial Industry ◽  
Corporate Credit ◽  
Enterprise Credit ◽  
Fuzzy Neural ◽  
Default Rate

With the rapid development of social economy and information technology, the credit risk and financial risk of my country’s financial enterprises are also facing severe challenges. In financial enterprises, credit is related to the survival of the enterprise. As the business volume and scale of financial enterprises continue to expand, financial risks are correspondingly increased. Therefore, the research on financial enterprise credit and financial risks is of great significance. The research on the credit and financial risks of financial enterprises is helpful to help financial enterprises handle financial risks well and perform evasive operations on them. In addition, it can also enhance the credit awareness of enterprises and reduce the default rate in the financial industry. This paper studies and analyzes the financial enterprise credit and financial risk measurement based on the PSM model. First, it uses the literature method to study the PSM model, corporate credit, financial risk and other theoretical knowledge, and then establish a fuzzy neural network model for risk assessment. And the establishment of a PSM model to conduct a questionnaire survey experiment design, analyze the price sensitivity changes and acceptable price ranges under the PSM model, and get the optimal pricing of new financial products issued by financial companies. Finally, it analyzes the relationship between the default rate of corporate credit and internal finance. The conclusion is that when this financial product is priced at 45 yuan, the proportion of reserved recipients is the largest, reaching 66%; when the price is 75 yuan, the acceptable proportion is 23%, which is the acceptable number of people in the three price ranges. The proportion is the largest; if the price is 100 yuan, the unacceptable proportion is the largest, reaching 45%. This shows that the pricing of a new financial product is directly related to its sales. The reasonableness of the product pricing directly determines whether people are willing to pay for it and accept it.

Internet Finance

2020 ◽  
pp. 2035-2052
Author(s):  
Marta Vidal ◽  
Javier Vidal-García ◽  
Stelios Bekiros
Keyword(s):  
Financial Services ◽  
Information And Communications Technology ◽  
The Internet ◽  
Communications Technology ◽  
Financial Industry ◽  
New Developments ◽  
Technology Industry ◽  
Online Marketplace ◽  
Use Of Technology ◽  
Internet Finance

New developments in the Information and Communications Technology industry have substantially increased the importance of the internet over the last decade. As a result, the finance sector has developed its technological capability to be able to compete in an online marketplace with other financial services providers and to be able to serve their customer. This chapter examines the use of technology in the financial industry and the various factors associated with it, as well as introducing the reader to the main types of project initiators-contributor business relations in online crowdfunding.

scholarly journals Study on the Development Strategy of Ant Financial

2019 ◽  
Vol 10 (5) ◽  
pp. 262
Author(s):  
Ximeng Zhang ◽  
Myeong Cheol Choi
Keyword(s):  
Financial Services ◽  
Development Process ◽  
Developed Countries ◽  
Internet Banking ◽  
Internet Technology ◽  
The Internet ◽  
Financial Industry ◽  
Finance Industry ◽  
Advantages And Disadvantages ◽  
Internet Finance

Convergence of Internet technology and traditional financial industry has created a new field of Internet finance. Nowadays, China has a very large Internet user base and application market. With the application and development of the Internet, China has become one of the most developed countries that use Internet banking services and has the highest number of Internet finance users. Ant Financial is the first to enter the Internet financial market, and has now become a representative of China’s Internet finance industry due to its extensive layout and rich business. Most of the previous research has only studied a part of Ant Financial without an analytical framework. Therefore, this study intends to investigate the history, development process, and success factors of Ant Financial. The contents of this paper are as follows. First, the development process and the current situation of Ant Financial Services are expounded. Second, the advantages and disadvantages of the current development process are analyzed by the SWOT analysis technique. Through the comparison of the research results, the guiding opinions for the development of Ant Financial Services are proposed. Finally, summary of the success reasons and future prospects for development are presented.

Internet Finance

2020 ◽  
pp. 713-730
Author(s):  
Marta Vidal ◽  
Javier Vidal-García ◽  
Stelios Bekiros
Keyword(s):  
Financial Services ◽  
Information And Communications Technology ◽  
The Internet ◽  
Communications Technology ◽  
Financial Industry ◽  
New Developments ◽  
Technology Industry ◽  
Online Marketplace ◽  
Use Of Technology ◽  
Internet Finance

New developments in the Information and Communications Technology industry have substantially increased the importance of the internet over the last decade. As a result, the finance sector has developed its technological capability to be able to compete in an online marketplace with other financial services providers and to be able to serve their customer. This chapter examines the use of technology in the financial industry and the various factors associated with it, as well as introducing the reader to the main types of project initiators-contributor business relations in online crowdfunding.

Digital financial inclusion risk prevention based on machine learning and neural network algorithms

2021 ◽  
pp. 1-16
Author(s):  
Ning Gu
Keyword(s):  
Risk Prediction ◽  
Financial Services ◽  
Financial Risk ◽  
Rapid Development ◽  
Prediction Method ◽  
Heterogeneous Data ◽  
Mobile Internet ◽  
Financial Inclusion ◽  
Third Party ◽  
Financial Industry

In recent years, China has increased its investment in science and technology, and digital technologies such as mobile Internet, big data, and cloud computing have continuously made breakthroughs. The integration with the modern financial industry has stimulated online lending, third-party payment, digital insurance, and New financial forms such as digital wealth management are booming. With the rapid development of digital financial inclusion, the development of traditional financial industry has broken through time and geographical constraints, allowing more groups excluded from the traditional financial system to participate in financial activities and enjoy more convenient and faster personalized financial products and services, meet their financial needs and improve the reach of financial services. While the development of digital financial inclusion has benefited more groups, it has not changed the original risks of the financial industry. It has also brought about some negative external effects of financial technology, which poses greater challenges to the protection of financial consumers’ rights and interests. Therefore, this research aims at the digital inclusive risk prediction of financial institutions and personal risk prediction respectively, and proposes a financial risk prediction method based on the adaptive fusion of multi-source heterogeneous data, which can improve the effect of financial risk prediction through the effective use of multi-source data. purpose.

scholarly journals Research on Financial Risks of Robo-Advisor Platforms

2020 ◽  
Vol 218 ◽  
pp. 01035
Author(s):  
Ruilin Liu
Keyword(s):  
Artificial Intelligence ◽  
Capital Market ◽  
Financial Management ◽  
Management Model ◽  
Financial Risks ◽  
Urgent Problem ◽  
Development Status ◽  
Internet Finance ◽  
Investment Process ◽  
Financial Technology

With the vigorous development of China’s Internet finance and financial technology, Roboadvisors have become more and more popular among investors. This new investment and financial management model that relies on Internet platforms, artificial intelligence, quantitative trading technologies will have a greater impact on the capital market once the financial risks caused. How to standardize the Robo-advisory platform, effectively control the financial risks in the investment process and protect the interests of investors is an urgent problem in the Robo-advisory industry. Firstly, this article analyzes the development status of domestic Robo-advisory platforms. Then it puts forward suggestions on how the Robo-advisory industry can face the dual pressures of survival and profit in the context of stricter supervision by analyzing various financial risks and causes of the platform. It aims to promote the sound development of the investment advisory market in the context of financial technology.

scholarly journals Prevention of Internet Financial Risks in the Era of Digital Economy

2021 ◽  
Vol 4 (5) ◽  
pp. 38-44
Author(s):  
Yan Wang
Keyword(s):  
Big Data ◽  
Digital Economy ◽  
The Internet ◽  
Financial Risks ◽  
Financial Industry ◽  
Widespread Application ◽  
Credit Reporting ◽  
Financial Credit ◽  
Internet Finance ◽  
The Times

As a pillar in the development of China’s economy, the financial industry plays a key role in the production and life of residents. Along with the widespread application of the internet, internet finance has gradually emerged as required by the times, and in the achievement of the collection and extraction of big data, related analysis and exploration technologies have been emphasized more. However, in the context of big data technology, there are still risks of unsound laws, inadequate business publicity, user information security, and capital liquidity in internet finance. Under this digital economy era, this article attempts to discuss these risks, which need to be prevented from establishing a good internet financial system, strengthening interindustry exchanges and cooperation, building a unified internet financial information supervision platform, as well as optimizing the internet financial credit reporting system, so as to promote a healthy and sound development of the whole financial industry.

Financial Risks of the Bank: Assessment and Mechanism of Neutralization

2020 ◽  
Vol 22 (1) ◽  
pp. 6-12
Author(s):  
Nelia Volkova ◽  
◽  
Alina Mukhina ◽  
Keyword(s):  
Risk Assessment ◽  
Financial Stability ◽  
Financial Risk ◽  
Stable Operation ◽  
Financial Risks ◽  
Negative Consequences ◽  
Conceptual Approach ◽  
Relevant Today ◽  
Banking Institution ◽  
The Impact

Abstract. Introduction. The issue of financial risk management of commercial banks is quite relevant today, because the activity of banks is the most risky of all. The presence of risks in banking can lead to unexpected losses, namely the loss of own resources. That’s why for the stable operation of the bank without loss the priority is to assess the financial risks, which is the basis for their further neutralization. Purpose. The purpose of the article is to develop conceptual provisions for assessment financial risks and justifying the need to neutralize them. Results. The article analyzes the impact of risks on the financial stability of a banking institution. The main methods of bank risk assessment are considered. All these include the statistical method, the analytical method, the expert method, the analogue method and the combined method. The necessity of neutralization of financial risks in order to avoid negative consequences is substantiated. Also the methods of bank risks neutralization are considered. It should be noted that these methods of neutralization can not only be used, but also supplement the list with new methods must be done, which in the future will protect the bank from the influence of undesirable factors. A conceptual approach to the assessment and neutralization of financial risks is proposed. This conceptual approach aims to ensure effective assessment of the level of risk with their subsequent neutralization Conclusions. Use of a conceptual approach will allow an effective risk assessment and decision-making to avoid or accept risk. Thanks to using this approach, the banking institution will be able to react swiftly to the presence of financial risks and to prevent the occurrence of negative consequences, which may lead to a violation of the financial stability of the bank.

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