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Research on Internet Consumer Financial Risk Prevention from the Perspective of Financial Ethics

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DOI: 10.38007/Proceedings.0001655

Author(s)

Zhongwei Wang

Corresponding Author

Zhongwei Wang

Abstract

In recent years, the hidden dangers and negative effects of the rapid development of the Internet consumer finance industry have begun to explode, and it has become a top priority to effectively prevent and defuse consumer finance risks. Regulatory authorities have also begun to introduce various regulatory policies, strengthen supervision and try to establish an effective regulatory mechanism. In addition to paying attention to "hard constraints" such as legal norms, we should also attach importance to "soft constraints" such as ethics. This paper sorts out the various manifestations of Internet consumer financial risks, with the help of hierarchical economic ethics points of view, conducts macro, meso and micro ethical analysis of the causes of risks, and finally proposes risk prevention measures and suggestions from an ethical perspective.

Keywords

Internet finance; consumer finance; financial ethics; risk prevention