Internet financial risk has become the bottleneck of its development

&http://www.aliyun.com/zixun/aggregation/37954.html ">nbsp; In one sentence, "The return to stability is the day of the disappearance of the Internet financial life," a person commented: This kind of judgment simply put the business model of Internet finance into consideration from the financial point of view, but did not notice the Internet users and user experience these two aspects. As long as the product itself is not much different, then the user experience, as well as in line with the financial premise of the rules of destruction and reengineering, who is the flow of money, who can occupy the market and users.

First of all, internet finance it can not simply as a product, or that it is not a product. For a new thing is really not optimistic about the situation, the online financial system there is a user's habit of stability, at least at present there are a lot of suspicion, in addition, peer-to-peer this regulatory agency policy is not clear, but the industry is still feeling gray. New things, but also need to accept more tests.

Second, the industry's ideology of internet finance is not complete, and can not even say. At present, the vast majority of people believe that the internet finance is the traditional financial dependence on the Internet as a channel for dissemination, management and so on, in other words, the traditional financial model can be fully operated on the Internet. This blind recognition and the accumulation of experience without practical operation, the result is that Internet finance does not exist user experience, that is to say, anyone can play. The immediate consequences are: there will be no behind the Internet financial risk, Internet Financial Regulation, Internet financial security and so on.

Before deepening the infiltration of internet finance, I first threw out the theme, in fact, the nature of Internet finance is a process, any link problem, the ecological chain will be necrotic.

The normal Internet financial eco-chain should be this: the Internet financial sense--"recognize the Internet financial risk-" the habitual Internet financial user experience-"The calm and rigorous Internet financial government regulatory mechanism-" objectively respecting the current Internet financial security problems-"has Internet financial awareness." As you can see clearly, this is actually a circular logic.

Control risk is the traditional financial industry's forte and advantages, but in the internet conditions, the risk should be greater than the original, how to use the Internet technology, become the Internet financial risk control effective means? This is the question that needs to be considered. To tell the truth, in the development of internet finance, the risk itself is not terrible, it is important to do a good job of risk-fusing mechanism evaluation and design.

But at present, with the gathering of talents, all walks of life to do the internet finance; technology agglomeration, a platform to build up to the threshold is not high, then the threshold to do more and more; the accumulation of funds, investors more and more on the platform investment, venture capital funds also to invest in internet finance; There is no regulatory agency, so the risk is there in the beginning, and as it gathers there is the possibility of amplification, superposition ... "Now there are nearly 30 peer-to-peer enterprises bankruptcy, closure, running and other phenomena occur, this is the risk gathered to a certain extent after the outbreak of the performance." "Industry analyst.

The current Internet financial flow is still in the risk phase of Internet finance, this problem does not solve, blind leapfrog operation, death should be difficult to see. Besides, we don't know where the risk of internet finance is!

First of all, the internet finance to standardize a number of routes, such as from the beginning of enterprise self-discipline, carding business processes, comb the transaction structure, the formation of enterprise standards, and then rise to industry standards, such as the acceptance of customer supervision, the signing of the contract, the rights and obligations of both parties are equal?

Second, internet finance has just started, to prevent risks, but also do not fear risk. Risk is not scary, as long as we first know where the risk, and to carry out hints, disclosure and design risk of the fuse, control mechanism, these risks is the Internet financial development is the profit point.
Now that internet finance is sweeping, on the one hand, the Internet has its own security problems, on the other hand, the financial industry also has a specific risk problem, so combined with or to the risk of amplification, which makes the development of internet finance to risk management put forward higher requirements, but also to the credit agencies products and technology innovation put forward higher requirements. For the Internet financial ecological chain steady, step to walk, hope or some.

Suggest concern and share author micro-credit number: Yi_xuan_lee

Suggest concern and share author Sina Weibo: the Almighty