Internet financial subversion of the traditional financial model, convenient and quick, the audience became widely known as its label, especially the balance of treasure and other network financial management has long been in-depth daily life, loved by the people. However, the development of network finance itself is not perfect, especially the management of some of the shortcomings likely to cause risks. The purpose of this paper is to make some practical suggestions for the healthy development of network finance through a comprehensive analysis of network financial management.
Internet finance is the product of financial service and network technology. The former is the fundamental, the latter is the effective path and means to realize the former. The development of Internet provides a good platform for financial service. In the development of the last century, the traditional financial industry has been progressing toward the goal of modernization. It has made great progress and financial services have begun to be provided in a networked and electronic way. In the beginning of this century, the development of network finance really grow, especially in third-party payment as the representative of the financial form, such as the balance of treasure, is to create a new network of financial times. The role of network finance, the central bank in recent years, some policy reports have also made certain, in the future support of the policy environment, the development potential of Internet finance is still limitless. Balance the emergence of Po is a traditional financial management services, a breakthrough. With the help of the convenience of the network Po, not only to achieve simple and efficient operation, and the low threshold, to attract more customers resources, in addition to get higher returns in the future development will be more popular and perfect.
Network finance and traditional financial forms, in management also has different characteristics. The following will be through the balance of the main operating treasure, process steps and risk control of these three aspects of analysis to understand the characteristics of network financial management.
Balance of the operation of the main Po is the main users of Alipay, fund companies and Alipay. Which fund companies through the introduction of fund products to become fund sellers to absorb the balance of users Alipay help their own fund sales channels and the expansion of the scale; Alipay users to balance the balance of the actual behavior of the treasure in the purchase of funds, and users themselves Can be used to achieve the purpose of gain; In addition, the fund sales and purchase platform is provided by Alipay, Alipay company can get a certain management fees. Thus, the balance of treasure in a series of funds through the operation and market after the docking will be able to achieve the three major operating entities of mutual benefit and win-win situation.
On the balance of the treasure of the steps, mainly through the network operations to achieve the funds into, confirm, consumption and transfer out of several important links, is a set of relatively standard clear process. For example, the balance of funds can be transferred from the Alipay account from the bank card, but the transfer of different ways in the transfer of funds will be limited; and fund companies have confirmed the transfer of funds began to calculate the proceeds , And the daily income feedback to the user's account; balance can also be used to carry out consumer spending, which is actually the Fund's real-time transfer and redemption of the corresponding fund; In addition, the balance of funds at any time can be transferred But will not enjoy the day's earnings, and fund companies will be real-time fund deduction.
Balance Po Although the overall risk is lower financial products, but the risk is still there and need to pay close attention. In the risk control to proceed from different aspects, such as increasing customer approval efforts to reduce market risk, Alipay also through the appropriate technical arrangements to reduce the regulatory risk, and fund companies face a lot of data processing is also needed Strengthen technical support to promote the corresponding data can be effectively addressed, and thus better control of liquidity risk.
The development of network finance is still a relatively new thing, and the current financial management laws and regulations cannot fully apply to this new thing, resulting in a loophole in the network of financial management, cannot effectively restrain some unlawful behavior. Such as the balance of treasure since the introduction of its risk of rare spread and warning, if the balance of the occurrence of the loss of Po-off situation, many Alipay users will inevitably have a lot of legal disputes, and now the regulatory level does not apply to solve this Laws and regulations.
Therefore, perfecting the network financial management, to ensure a sound legal system is necessary, this is the state of network financial supervision and effective implementation of the fundamental basis. On the current situation, it is necessary to vigorously develop the relevant legislation, based on the actual situation in the country, appropriate reference to foreign advanced experience, to establish a set of practical laws and regulations.
It is precisely because the current regulation of the main body of the Internet finance is not clear, so the actual supervision is still in a vacuum state, but also makes it difficult to achieve true legal network of financial. Take the balance of Bora, it does not have its own compliance, although the lack of a clear regulatory body appears to balance the development of the treasure does not have much impact, but over time will be detrimental to its healthy development.
Therefore, it is a big problem to be solved urgently that the main body of regulation of network finance is clear. To successfully build an effective regulatory system, we must be familiar with the mode of operation of the network finance and further distinguish the scope of supervision, the object and the main body, in particular, clearly defined as the main body of the regulatory responsibilities to promote the regulatory functions of the relevant departments. In addition, attention should also be paid to the co-operation between regulators and information disclosure, to avoid regulatory oversight and duplication of supervision of the situation.
Different from traditional financial services, the provision of network financial services is achieved through the network, which in itself played a certain discount on the security, coupled with the imperfect credit system will lead to greater risk, affecting capital Safety of operation. Such as the balance of treasure users in a particular time period at the same time a large number of consumption, will result in a large amount of capital flows, if the fund companies in dealing with this situation is not in place when the funds can easily lead to credit crisis.
Therefore, in strengthening the network of financial management should also pay attention to strengthening credit construction. This requires regulators to develop network information technology, which may exist in the risk of effective monitoring and early warning, and enhance emergency response skills. In addition, we must strictly combat the publication of false information behavior, and earnestly safeguard the legitimate rights and interests of consumers.
In summary, the development of online finance is a major breakthrough in the traditional financial industry, making people's lives now more efficient and efficient. Therefore, the effective supervision of network finance can help to reduce the risk and ensure the security of fund operation. Therefore, it is inseparable from the coordination and cooperation of the relevant departments, on the basis of continuous innovation to strengthen the system construction, so as to the healthy development of network finance Lay a solid foundation.