What are the characteristics of network financial risks compared with traditional financial risks?

Compared with traditional finance, the importance of the physical structure and architecture of financial institutions is greatly reduced. The virtuality of online financial service mode makes the transaction and payment parties not meet each other, but contact each other through the network, which increases the difficulty of verifying the identity of the trader and the authenticity of the transaction, thus increasing the credit risk. For our country, the credit risk in network finance comes not only from the virtuality of service mode, but also from the possibility of default brought by the imperfection of social credit system. Therefore, there are not only technical factors but also institutional factors in the credit risk in the development of online finance in China.

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