摆渡论文网（www.baydue.com）-专业留学生作业辅导中心美国paper写作-Financial risk managementAt present, although Chinas risk prevention mechanism has been preliminarily established, there are some problems in Chinas financial operation and financial risk management in the face of new situations in the process of economic development, which are mainly reflected in the following five aspects:Due to the characteristics of digitization, diversification and universality of Internet finance, the risk of Internet finance keeps increasing. Mainly reflected in: because the Internet finance in the development process has not been established sound? O management mechanism leads to the disordered enterprise qualification in the entire Internet finance industry, which greatly increases the severity of the security problem of Internet finance. As the Internet finance has not established a sound regulatory mechanism in the development process, the entry threshold of the Internet finance industry has no specific definition and requirements, and the financial supervision institutions cannot comprehensively supervise some illegal Internet finance enterprises, which greatly increases the risk of Internet finance. Because of the universality of customers faced by Internet financial enterprises, the risk resistance of 80% of customers involved is relatively poor. If the Internet financial supervision is not strengthened, financial risks will be accompanied by a series of social risks, which is not conducive to social stability.At present, most of the financial risk prevention mechanism in China is aimed at the easy problems in the traditional financial market. But, with the development of information technology, our country industrial structure adjustment and the transformation of the real economy, financial market of our country at the same time, its market structure also changed frequently, financial institutions, business growing, in this case, the single mode of regulation to prevent financial risk cannot better supervise financial risk early warning, lack the necessary financial risk management mechanism.The key to effectively prevent the occurrence of financial risks lies in the establishment of a systematic and perfect financial market supervision system, and the effectiveness of the work of financial supervision departments is the inevitable requirement of financial risk prevention. However, at present, Chinas financial regulation and related policies and regulations have a certain blind area of supervision for the current financial market, which leads to the emergence of non-standard financial transactions and illegal financing in the financial market, thus disrupting the normal operation of the financial market.With the development of Internet technology, Chinas financial industry is developing in a diversified trend. Facing the new situation in the development of the financial industry, we must innovate the path of financial risk management according to the reality.At present, financial risks in China are mainly featured by concentration, concealment, sociality and preventable. According to the characteristics of financial risks in China, we can see that the necessity of constructing financial risk prevention mechanism in China is mainly embodied in the following three aspects:With the rapid development of Chinas economy and the continuous improvement and perfection of Chinas market system, Chinas economic subjects show a diversified development trend, and the financial market is faced with complex financial subjects, and its potential financial risks are also increasing. Mainly displays in with the adjustment of industrial structure in our country, has a direct effect on the Chinese financial market, at present, our country the volatile financial markets, financial service object oriented economy lead to potential financial risks, requirements in the face of a series of problems along with the economic structure adjustment, set up the financial risk management mechanism to adapt to the new normal is the inevitable requirement of current our country new economic system set up.On the one hand, with the gradual maturity of the financial market and the gradual improvement of the credit system, the bank has been dealing with more and more loans, which has increased the potential risk of the banks non-performing loan business. On the other hand, the imperfection of financial supervision leads to the absence of risk supervision on shadow banking in the market. Its potential risk has become a major hidden danger in Chinas financial system. Once large-scale risk occurs, it will have a huge impact on the stability of Chinas financial market.As local governments need to develop their economies, they often need to build a lot of infrastructure and related municipal construction, which requires increasing loans. Due to the improvement of financing platforms, the adjustment of local industrial structure