The special risk of internet finance-英文作业代写－r51due

英国essay论文精选范文：“The special risk of internet finance”，这篇论文讨论了互联网金融的特殊风险。互联网金融是互联网和金融行业进行结合后出现的产物，有着金融行业的固有特点，又有着互联网技术的特点，既有金融行业本身的风险，互联网的风险，又有着两者结合之后出现的新风险。这些风险主要包括系统性的技术风险、法律上的风险、计算机系统和交易主体的业务风险。

Internet finance is the combination of the Internet and the financial industry products, with the inherent characteristics of the financial industry, but also has the characteristics of Internet technology, both the financial industry's own risk, the risk of the Internet, but also the combination of the two after the emergence of the new risk.

Internet financial needs through the relevant procedures and software to operate, the security of Internet finance depends on the security of information technology and orderly operation, the computer network technology in the event of failure, hacking or virus, will be the Internet financial system Comprehensive paralysis.

Key management and encryption technology is an important means to ensure the security of Internet financial transactions, secret key in the process of transmitting data may be attacked, the system terminal may also be attacked, there are many hidden dangers of Internet finance. TCP / IP protocol security is poor, this protocol is too much in the pursuit of transmission, the transmission of information easily be spy and intercepted, resulting in financial losses. The virus is a major threat to the computer, and all the transactions of the infected computer are potentially threatened by the virus.

Internet financial business needs to deal with the main operation of the transaction, the security of the trading system and the operation of the main transaction of the financial security of the Internet has a significant impact on the safe operation. Internet banking in the use of the process of authorization of the account, the system vulnerabilities and so will cause financial risk. Internet finance is conducive to breaking the restrictions on the physical business outlets, you can quickly and easily through the self-service business, geographical openness to broaden the scope of the market, but also increase the risk, financial risk will produce amplification, and even the global financial network Operation and billing.

Internet services have a clear virtual, transactions are often carried out in the virtual reality, so traders credit, identity has a relatively high uncertainty. In the course of the transaction, the customer will make a hidden part of the information initiatives, Internet financial services companies cannot be identified.

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At the same time, information asymmetry may also appear "lemon market". At present, Internet finance is in the initial stage, the level of Internet business services uneven, high-quality Internet service providers will be poor quality low-cost service out of the market.

The legal risks of Internet finance are mainly reflected in the backwardness of Internet financial legislation. Many financial related laws are not formulated according to Internet finance, so there are many places that are not suited. In addition, there are some Internet financial business in violation of relevant laws and regulations, the transaction does not comply with the rights and obligations. In recent years, China has developed a number of laws and regulations on electronic signatures, online banking, online securities, etc., but lack of targeted access to the Internet financial market access, supervision, transaction status and so lack of perfect legal protection. The lack of law and not in place, resulting in the transaction between the main body of the ambiguity and obligations, in the transaction, an increase of the transaction results of uncertainty.

Internet finance allows economic activities to be carried out at any time and at any time, accompanied by an accelerated spread of the risk and an increase in the scope of the spread. Internet financial business through the network transactions, the lack of transparency in the transaction object, the financial sector to monitor difficulties. At the same time, risk prevention and management is difficult. Need to through the Internet financial security system, risk management system, legal system and other ways to risk prevention.

The Internet financial environment involves the investment of hardware method, improve the anti-attack and anti-virus ability of the computer system, and provide a safe running environment for Internet finance. In the process of network access, it is necessary to verify the identity of the network portal And a hierarchical authorization to allow users to log in. In the process of Internet financial transactions need to manage the financial transaction data, the use of digital certificates to provide safe trade protection, develop a unified technical standards, enhance the coordination of the Internet financial system. Internet financial development process also need to pay attention to the development of independent intellectual property rights by the new technology, the use of Internet encryption technology, secret key technology, digital signature technology to improve the security of financial transactions and reduce risk.

Internet financial business risk management requires effective internal control, the establishment of a set of effective credit system. Through the improvement of internal management organizations and rules and regulations, through a sound internal management approach, ahead of the prevention of risks, the establishment of a special Internet risk prevention technical team to improve the security of the transaction. Social credit system is imperfect, information asymmetry, increasing the risk of market transactions. Through the People's Bank's corporate and personal credit system, collecting the financial information of various financial and non-banking institutions can reduce the uncertainty of the Internet financial business and reduce the transaction risk caused by information asymmetry.

China is the rule of law, the law is the basic norms of social behavior. Internet finance legislation, can regulate market transactions, reduce violations of criminals using a variety of technologies and vulnerabilities for criminal activities, while the deterrent to the role of criminals. The existing laws and regulations mainly for the development of physical finance, the Internet financial new things have a lot of incompatibility, and therefore need to be based on the actual situation of Internet finance to develop targeted laws, clear digital signatures and electronic evidence of the legal effect, The intensity of the sentencing of the crime, the main responsibility of the transaction and so on to make detailed provisions.

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