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Research on internet finance combined with the development of science and technology era
Internet finance is an advanced product of the development of the times. In the new era, the development of the Internet has ushered in a new life for the financial industry. Internet finance is a financial form that can quickly circulate the funds of various financial industries through the Internet, shorten the transaction time of buyers and sellers, save costs and become an intermediary between buyers and sellers. Slightly different from the traditional finance, it is a new financial way combining the Internet and finance.

(A) the necessity of e-commerce enterprises to develop Internet finance

1, which is conducive to forming a fair and reasonable financial competition environment.

Internet finance is mainly located at the "small" and "micro" levels, with the characteristics of small amount, convenience and speed. It has great advantages in the field of micro-finance, and makes up for the vacancy in traditional finance in some aspects. Obviously, as a new financial form, internet finance can make up for the shortcomings of traditional finance in some aspects, one can make up for its own shortcomings and the other can help each other.

2. Promote the perfection of Internet finance, and make China's financial industry develop rapidly.

With the rapid development of Internet financial economy in China, the traditional financial prisoners in China have been impacted and changed. The application of science and technology in the financial field increased slightly, and the content of financial science and technology increased slightly. On the one hand, it promotes the improvement of payment and communication methods in the financial market, makes payment more convenient, spreads information more rapidly and widely, and makes China's financial industry more advanced. On the other hand, traditional finance also has some limitations, and there are some places that are not involved, which makes the traditional financial methods inadequate.

3. It improves the speed of financial transactions and reduces the pollution to the environment.

Internet finance uses databases generated by financial technologies such as the Internet to reduce transaction costs between customers and enterprises. Internet finance companies have greatly reduced operating costs, because the network can reduce the demand for personnel. It can be seen that Internet finance provides financial services that customers need through networks and data resources. Therefore, the trading links between customers and merchants are reduced, the trading efficiency is improved, and the cost of financial services is reduced. In addition, Internet finance also reduces the demand for manpower, enabling e-commerce companies to effectively review information.

4. Reduce the risk of trusting your feet

For the risk of foot support, we should solve it from two aspects. The first aspect: before carrying out audit work, auditors should strengthen their study, deeply understand the audited sheep position, and be familiar with the internal control environment and business process of the audited sheep position. The first aspect: we should pay attention to summing up the experience of applying the principle of prudence, and in the case of small differences, the requirements for the principle of prudence are small; However, it is difficult to form * * * knowledge by its general use method, so we should pay attention to summing up experience and analyzing problems according to the actual situation.

(B) improve internal control

First, actively promote the construction of internal control personnel. The internal control of an enterprise needs to involve all aspects, and auditors need to have high professional quality. Therefore, auditors should actively participate in the learning projects provided by relevant government departments or social training institutions, especially the relevant theories of mathematical statistics. Therefore, it is necessary to strengthen the research in this field and improve the efficiency of sampling audit. In addition, it is also important to master some non-sampling knowledge, such as the design and selection of internal control procedures and methods, which plays a very important role in reducing audit risks.

First, establish an importance standard system. The principle of materiality is very important for internal control. Its purpose is to attach importance to important business, major business matters and high-risk areas, and prioritize according to the nature of the audit. Only a small one can greatly improve the efficiency of audit sampling and improve the effective supervision of internal control. At present, the importance standard system of internal control is still being established, which should be paid attention to.

Thirdly, the soundness evaluation and effectiveness evaluation of internal control should be deeply studied. The soundness of internal control is an evaluation of whether the self-management implemented only for the audited sheep position is sound and effective. We can find out which aspects of internal control are scientific and strict, which aspects are still small, and the control effect is small and obvious or has no effect at all. Based on this judgment, we can effectively find out which businesses violate the internal control regulations, except

In addition, the effectiveness evaluation can not be ignored, it is based on soundness, and it monitors whether the actual work is carried out efficiently. Strengthening the evaluation of the soundness and effectiveness of internal control can make the audit sampling work be completed effectively and efficiently.

(C) Pay attention to the development and application of sampling program software

Statistical sampling method requires auditors not only to have professional audit knowledge, but also to master the corresponding statistical sampling mathematical model, which poses considerable challenges to auditors, and the development of statistical sampling program software can effectively reduce this challenge. As an auxiliary tool, it is only small enough to reduce the requirements for auditors' professional knowledge and greatly improve the efficiency of audit work.

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As an auditing method, statistical sampling is not only the combination of statistics and auditing, but also the innovation of auditing. Although small, it makes the audit effect better and the audit procedure more scientific and reasonable. Under the new situation, it can deal with various situations more efficiently.