我国互联网金融风险分析及应对策略研究

发布时间：2018-05-29 06:20

本文选题：互联网金融 + 第三方支付　；参考：《吉林大学》2015年硕士论文

【摘要】：在经济全球化的新时代，随着我国互联网科技的普及范围越来越广，支付宝、淘宝众筹、P2P模式等新型的金融词汇不断出现在人们的视野当中，传统金融领域不断渗透着互联网技术方便快捷的因素，与此同时，大数据、社交网络、云计算等互联网科技也在以互联网金融形式逐渐渗透到传统金融领域，我国的金融行业也逐步进入了一个全新的互联网时代，，互联网金融应运而生并逐渐成为了当今人们生活当中不可或缺的支付和投资方式。虽然互联网与传统金融业务结合的互联网金融服务是当今的一大热点，但是互联网行业一向是风险投资的主战场。在互联网金融模式快速发展的同时，互联网金融也蕴含着大量的风险。目前我国互联网金融的发展还处于刚刚起步的阶段，对互联网金融模式的研究还不够成熟。因此，本文从互联网金融的基本概念及特点出发，分析互联网金融各大模式发展的现状，并深入分析在其发展过程中存在的各种风险，进而提出有针对性的对策建议，本文的理论分析对我国金融市场的发展具有重要的指导意义。本文共分为六个部分：第一章，绪论。绪论主要分析了本文的研究背景和意义，系统介绍了本文的研究方法和内容，回顾并借鉴了国内外对于互联网金融的相关研究方法和研究成果，系统介绍了整篇文章的研究思路和方法，并指出了本篇文章的特色和创新点。第二章，互联网金融模式概述。本部分主要介绍了互联网金融模式的概念、分类及特点，将互联网金融分为第三方支付、P2P模式和众筹模式、大数据金融、信息化金融机构以及互联网金融门户六大类，并详细阐述了各个分类的涵义及相应的特点。第三章，我国互联网金融发展现状分析。本部分介绍了互联网金融六大类在我国的发展现状，主要表现在第三方支付快速发展，P2P模式和众筹模式影响越来越广泛，大数据金融起步并优势显现，信息化金融机构成为发展趋势，互联网金融门户功能增强，与此同时，阐述了各个模式在发展过程中面临的潜在风险。第四章，我国互联网金融模式存在的风险。本章重点在于将上一部分六大模式所存在的各种风险归纳起来，可以分为四类风险：法律风险、技术风险、资金安全风险和信息安全风险。第五章，互联网金融稳健发展的对策建议。基于上面的所提出的四大类风险，对我国互联网金融模式的稳健发展提出了有针对性的对策和建议，对我国金融市场在未来健康有序的运行具有一定的指导意义。
[Abstract]:In the new era of economic globalization, with China's popularity of Internet technology increasingly wide range of Alipay, Taobao chips, P2P mode and other new financial words continue to appear in people's field of vision, the traditional financial sector continue to penetrate the Internet technology is convenient for, at the same time, big data, social networking, cloud computing etc. Internet technology is also gradually infiltrating into the traditional financial field in the form of Internet finance, and the financial industry of our country has gradually entered a new era of Internet. Internet finance has emerged as the times require and became an indispensable means of payment and investment in people's life. Although the Internet is combined with traditional financial services Internet financial service is a hot spot today, but the Internet industry has always been the main battlefield of venture investment. While the Internet financial model is developing rapidly, the Internet finance also contains a lot of risks. At present, the development of Internet Finance in China is still at the beginning stage, and the research on the Internet financial model is not yet. Therefore, based on the basic concepts and characteristics of Internet finance, this paper analyzes the current situation of the development of Internet Finance and analyzes various risks in its development, and then puts forward some pertinent countermeasures and suggestions. The theoretical analysis of this paper has important guiding significance for the development of China's financial market. This article is divided into six parts:
The first chapter, introduction. The introduction mainly analyzes the research background and significance of this paper, systematically introduces the research methods and contents of this article, reviews and draws lessons from the relevant research methods and research achievements on Internet finance at home and abroad, systematically introduces the research ideas and methods of the whole article, and points out the characteristics and innovation points of this article.
The second chapter, the overview of the Internet financial model, this part mainly introduces the concept, classification and characteristics of the Internet financial model, divides Internet finance into third party payments, P2P mode and public financing model, large data finance, information financial institutions and Internet financial portal six categories, and expounds the meanings and corresponding classifications in detail. Characteristic.
The third chapter is the analysis of the current situation of Internet Finance in China. This part introduces the development status of the six major categories of Internet Finance in China, mainly in the rapid development of the third party payment, the more and more extensive P2P mode and the public financing mode, the big data finance start and advantages, and the development trend of the information financial institutions, the Internet Finance The function of the portal is enhanced, and at the same time, the potential risks of various modes in the development process are expounded.
The fourth chapter is the risk of China's Internet financial model. The focus of this chapter is to sum up the various risks in the six major models of the last part, which can be divided into four types of risks: legal risk, technical risk, capital security risk and information security risk.
The fifth chapter, the countermeasures and suggestions for the sound development of Internet finance. Based on the above four kinds of risks, this paper puts forward some pertinent countermeasures and suggestions for the steady development of China's Internet financial model, which has certain guiding significance for the healthy and orderly operation of the financial market in the future.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.33;F724.6

【参考文献】