Legal Analysis: What are the risks of Internet finance? The first is liquidity risk. In recent years, products of "third-party payment plus fund" have emerged continuously, such as Yu 'ebao, but there are also risks such as maturity mismatch, currency market fluctuation and large-scale redemption by investors. The second is credit risk. Because the online behavior of "brushing credit" and "changing evaluation" still exists, the authenticity and reliability of network data will be affected. In addition, the departmental internet platform lacks long-term data accumulation, and the scientific nature of the risk measurement model needs to be verified. Therefore, in the field of Internet finance, information asymmetry still exists. There are more than hundreds of active P2P platforms, and some platforms run away with money. The third is reputation risk. Some Internet organizations use the so-called "expected high returns" to attract consumers and launch products with high returns but risks, but they do not reveal the risks truthfully and even mislead consumers. The fourth is the risk of information leakage. One of the foundations of Internet finance is data mining and analysis based on big data, and the analysis of customer behavior, but it also poses a great challenge to the protection of customer information and transaction records. Some trading platforms have not established a perfect mechanism to protect customer information. Fifth, technical security risks, that is, IT system security risks. Because internet finance relies on computer networks, the defects of the network system itself, management loopholes, computer viruses, hacker attacks and so on. Will cause technical security risks.

Legal basis: Guiding Opinions on Promoting the Healthy Development of Internet Finance (1) Actively encourage the innovation of Internet financial platforms, products and services to stimulate market vitality. Encourage banks, securities, insurance, funds, trusts, consumer finance and other financial institutions to rely on Internet technology to realize the transformation and upgrading of traditional financial services and actively develop new products and services based on Internet technology. Support qualified financial institutions to build innovative Internet platforms and conduct online banking, Internet securities, online insurance, online fund sales and online consumer finance. Support Internet enterprises to set up Internet payment institutions, peer-to-peer lending platforms, equity crowdfunding platforms and online financial product sales platforms according to laws and regulations, establish a multi-level financial service system to serve the real economy, better meet the investment and financing needs of small and medium-sized enterprises and individuals, and further expand the breadth and depth of inclusive finance. Encourage e-commerce enterprises to build and improve the online financial service system in line with financial laws and regulations, and effectively expand e-commerce supply chain business. Encourage employees to actively carry out product, service, technology and management innovation to enhance the core competitiveness of employees.

Guiding Opinions on Promoting the Healthy Development of Internet Finance (II) Encourage employees to cooperate with each other and realize complementary advantages. Support all kinds of financial institutions to cooperate with Internet enterprises, and establish a good ecological environment and industrial chain for Internet finance. Encourage banking financial institutions to carry out business innovation and provide supporting services such as fund deposit, payment and settlement for third-party payment institutions and online lending platforms. Support small and micro financial service institutions to carry out business cooperation with Internet companies and realize business model innovation. Support securities, funds, trusts, consumer finance and futures institutions to cooperate with Internet enterprises, broaden the sales channels of financial products, and innovate the wealth management model. Encourage insurance companies to cooperate with Internet companies to enhance the risk resilience of Internet finance companies.

Guiding Opinions on Promoting the Healthy Development of Internet Finance (III) Broaden institutional financing channels and improve the financing environment. Support social capital to initiate the establishment of Internet financial industry investment funds, and promote the in-depth cooperation between employees and venture capital institutions and industrial investment funds. Encourage qualified high-quality employees to list and raise funds in domestic capital markets such as the main board and the Growth Enterprise Market. Encourage banking financial institutions to support start-ups in accordance with various financial policies that support the development of small and micro enterprises. Innovating financial products and services according to the characteristics of Internet enterprises.