包商银行互联网金融风险管理的研究

发布时间：2018-06-03 16:28

本文选题：互联网金融 + 风险管理　；参考：《内蒙古财经大学》2015年硕士论文

【摘要】：自2012年以来,我国的互联网金融行业迅猛发展,在展示我国金融创新的重要形式和成果的同时互联网金融逐步暴露和潜在的风险也引起了学界的担忧、社会的关注。互联网金融不仅有着金融业常见的风险,如信用风险、操作风险、市场风险等,同时还有着其特定的风险,如客户信息安全问题、支付系统风险,电子法律风险等。由于目前互联网金融重效率轻风控的现状,加之立法不足,监管缺失,如果不能及时有效的管控互联网金融风险,一旦失控,微小的个别的风险也可能最终导致系统风险爆发,甚至引发整个社会的金融、经济和政治危机。本文主要围绕包商银行的互联网金融业务的开展情况以及风险管理行为展开阐述和分析,对如何建立和加强互联网金融风控体系和监管体系的展开论述,力求为互联网金融完善风险管理提出可行性建议。本文通过介绍了包商银行目前的互联网金融业务发展现状、如何应对互联网金融时代带来的影响和挑战。全面总结互联网金融已经暴露和潜在的风险,选取包商银行的互联网综合智能在线理财平台“小马bank”作为主要案例,对包商银行的互联网金融业务如何开展风险管理,其风险管理行为的优势,如何克服劣势,等进行分析,证明当前互联网金融快速建立和完善风险管理控制体系的必要性和紧迫性,实现理论和实际相结合。最终从互联网金融机构和监管单位两个层面,对如何建立和完善互联网金融风险管理体系提出可行性建议。
[Abstract]:Since 2012, the Internet financial industry in China has developed rapidly. While demonstrating the important forms and achievements of financial innovation in our country, the exposure and potential risks of Internet finance have also aroused the concern of the academic circles and the society. Internet finance not only has some common risks in finance, such as credit risk, operation risk, market risk and so on, but also has its specific risk, such as customer information security problem, payment system risk, electronic legal risk and so on. Due to the current situation of heavy efficiency and light wind control of Internet finance, coupled with inadequate legislation and lack of supervision, if the Internet financial risks cannot be effectively and timely controlled, once out of control, small individual risks may eventually lead to the outbreak of systemic risks. Even triggered the entire social financial, economic and political crisis. This paper mainly focuses on the development of Internet financial business and risk management behavior of the contractor bank, and discusses how to establish and strengthen the Internet financial risk control system and supervision system. Strive to improve the risk management of Internet finance put forward feasible suggestions. This paper introduces the current situation of the Internet financial business of the contractor bank and how to deal with the influence and challenge brought about by the internet finance age. This paper comprehensively summarizes the exposure and potential risks of Internet finance, and selects "Pony bank", a comprehensive Internet intelligent online financing platform of the contractor Bank, as the main case, and how to carry out risk management for the Internet financial business of the contractor Bank. The advantages of the risk management behavior, how to overcome the disadvantages, etc., are analyzed to prove the necessity and urgency of establishing and perfecting the risk management and control system of Internet finance rapidly, so as to realize the combination of theory and practice. Finally, from the two aspects of Internet financial institutions and regulatory units, the feasibility suggestions on how to establish and improve the Internet financial risk management system are put forward.
【学位授予单位】：内蒙古财经大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.2;F724.6

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