Starting from the basic concept of online financial management, the theory of online financial services is clearly defined, and the types of online financial services are distinguished. Through the comparative analysis of the characteristics of different types of products, it is concluded that Internet financial wealth management products have the characteristics of high yield and low risk. In addition, the relevant risk theory issues are also studied in depth, the main risk types of online financing and financial management are analyzed, and in terms of risk, the risk analysis of the financing and financial transaction activities carried out by investors and financiers using the network is carried out by game theory, and the online financing and financial management platforms such as the online loan home are selected as research samples to analyze the problems existing in the financial products and the use of the network platform to carry out risk management, so as to ensure the orderly development of the important platform of online financial management. From the four aspects of the country, industry and society, it will provide risk control opinions for companies and individuals on online financing and financial management, promote the construction of a platform for Internet financial wealth management products, improve investors' awareness of risk prevention, and build a scientific and reasonable risk management mechanism.
In Internet finance, it provides users with a good user experience, improves the efficiency of resource allocation, improves the efficiency of market transactions, and reduces transaction costs, and the dangers it may bring cannot be ignored. Due to the particularity of the Internet finance industry itself, the financial risks it faces also have their own uniqueness. Because both traditional industries and the financial sector are facing a high degree of industrial risk, as a traditional financial institution, due to the integration of the risky Internet and financial institutions, there are differences between the two fields, so there are many complex problems in the products of traditional financial institutions. This paper takes the wealth management products of traditional financial institutions as a case study to study the performance and causes of traditional financial risks, and gives specific policy suggestions. In-depth research on traditional financial institutions to help investors improve their understanding of wealth management products of traditional financial institutions, clearly understand the problems that products may face, and improve risk prevention capabilities. Based on the current development of Internet financial management, this paper studies the dangerous causes of financial management of Internet financial institutions from macro and micro perspectives, and gives specific policy suggestions. At the same time, in order to enrich the existing research results, in order to provide reference for the subsequent promulgation of relevant regulations on Internet finance.
With the rapid development of mobile Internet technology in China, it also has a more direct and vital role in the currency market. Internet financing and financial management have a certain degree of convenience and are deeply loved by the majority of investors. However, with the increasing development of online financial management, the corresponding market risks should also be fully paid attention to, and targeted measures should be taken to prevent them. Based on this, this paper mainly takes Internet financial management as the first scope, first expounds the current situation faced by China's Internet financial management, and then puts forward several effective strategies for these problems. This chapter focuses on the issue of China's online banking wealth management products.
Keywords: Internet financial market, wealth management products, risk, online loans, money market
Countermeasures for Internet financial products to deal with current market risks.
1. Strengthen industry self-discipline and improve risk prevention capabilities.
Online financial institutions should first do a good job in industry self-discipline and standardization, and with the help of China's online financial service industry association and other industry institutions, gradually establish business standards and norms that can be used for reference, enhance communication and cooperation in the industry, ensure the healthy and orderly development and common interests of the online financial field, and enhance the anti-risk strength of the entire industry. At the same time, online financial institutions must set up a risk warning system in their daily operations to discover and solve possible problems in a timely manner, so as to effectively avoid the spread and cross-spread of problems. In addition, online financial service companies should also increase scientific and technological efforts, improve the technology of the financial management system of online financial institutions, avoid system loopholes, and enhance the awareness of early warning of technical problems.
2. Strengthen personnel management and establish an internal control system.
For online finance, it is necessary to continuously strengthen the restructuring of the enterprise, and at the same time, the corporate governance structure of the company needs to be further improved in accordance with the requirements of the industry, and the company's internal control management system should be improved to prevent unnecessary losses caused by the company's professional ethics and business risks of internal employees. In addition, it is also necessary to explore a reasonable way to measure business risks and build a complete and rigorous internal control system. The corporate philosophy should also adhere to the people-oriented, improve the risk awareness of practitioners, and set up a reward and incentive mechanism for the responsibility of practitioners, so as to fully mobilize the enthusiasm and initiative of all personnel in risk prevention and management.
3. Establish a credit system.
In the process of online banking and financial development, people also need to make full use of the advantages of the network, through the acquisition of rich information, and then in-depth research on the information and data that can be obtained in the process of using e-commerce transactions. After a comprehensive comparison, a more comprehensive and complete integrity system is established. In the context of the current vigorous development of online banking, the bank's customers have suffered a blow, so the construction of safe and reliable personal credit is also very huge for major commercial banks. Through the establishment of a personal credit system and the establishment of partners with major commercial banks, then the problem of depositing money in third-party channels can be well solved, and a win-win situation can be achieved.
The normal operation of Internet financial management is mainly based on the network system in the Internet, but due to various potential security risks on the Internet, such as constantly updated Trojan viruses, open network platforms, and windshields with loopholes, they are the main dangers and security risks of Internet financial management transactions. Therefore, the establishment of a product Internet security management system and the formulation of product technical specifications are an important guarantee for the normal transaction of online financial service products. At the same time, the establishment of an industry network security management system to maintain product security, although the generation and transaction process of online financial wealth management products rely on the network platform, but also because of the high degree of virtualization and openness of the network platform, it provides criminals with a new way to commit crimes, which has a negative effect on the normal transaction of online financial management and the security and stability of the entire network financial service field. In order to establish a more complete security management system in the field of online financial information, we have cooperated with relevant national regulatory departments, public security departments, network technology enterprises, bank wealth management companies and other units to jointly build an industrial security management system, actively crack down on illegal and criminal activities, and effectively maintain the security of online financial information trading platforms.
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