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http://dx.doi.org/10.21186/IPR.2022.7.4.109

Research on China's Internet Financial Risk Supervision and Countermeasures  

Yuan, Zhao (Nanning Normal University, College of Economics and Management)
Sim, Jae-Yeon (Dept. Of Management, Sehan University)
Publication Information
Industry Promotion Research / v.7, no.4, 2022 , pp. 109-119 More about this Journal
Abstract
In recent years, China's Internet finance industry is hot. There is no doubt that Internet finance has been fully integrated into China, forming a new form of financing, and rapidly becoming a new channel for investment and financing in China, shouldering the responsibility of inclusive financing and building China's real economy. However, with investment, there are risks. Based on the panel data of China's Internet financial platform, this paper uses the random effect model to study the influencing factors of Internet financial risks, and draws three conclusions: (1) The user funds and platform funds of the financial platform will be managed separately by the bank, which can effectively reduce the risk of financial transactions on the Internet; (2) The risk of Internet financial transactions can be effectively reduced by avoiding the concentration of platform funds in the hands of a few borrowers through regulatory policies; (3) The liquidity control of funds effectively reduces the risk of Internet financial transactions. Based on the conclusions, we propose optimization strategies for regulatory policies to achieve the healthy and sustainable development of Internet finance.
Keywords
Internet finance; Risk supervision; E-commerce platform; P2P online loan; Stochastic effect;
Citations & Related Records
Times Cited By KSCI : 6  (Citation Analysis)
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