互联网金融背景下GS银行财务风险管理研究

发布时间：2018-01-11 20:24

本文关键词：互联网金融背景下GS银行财务风险管理研究　出处：《青岛大学》2017年硕士论文　论文类型：学位论文

【摘要】：互联网金融对传统商业银行的发展产生了巨大的冲击,同时也带来了更多的市场机会,传统商业银行也在不断探索和试水互联网金融之路,以跟上时代的步伐,开拓更大的市场,避免被市场所淘汰。但同时,互联网金融一方面带来更多的市场机会,互联网所包含的一些风险,比如风险的快速复制性、各类互联网病毒或木马等,也使得互联网金融背景下的商业银行面临更大的财务风险,商业银行如何在拥抱互联网金融时代的同时,加强财务风险管理水平,是商业银行面临的重大课题。本文以GS银行为研究对象,提出其在互联网金融背景下的财务风险管理措施。本文首先对本文的研究背景、意义、国内外研究现状做出梳理和评价,提出了本文的研究思路与方法,并对相关理论进行了归纳和总结,为本文之后的研究提供理论指导。本文通过对互联网金融背景下GS银行财务风险的管理现状进行了分析,对GS银行在互联网金融形势下的基本情况进行了研究,并提出了GS银行在互联网金融背景下的财务风险管理存在的问题,包括财务风险监控手段不完善、财务风险组织保障不足、财务风险管理水平和方法比较落后等。同时,本文对国内外优秀商业银行的风险管理经验进行归纳和评价,包括美国安全第一网络银行、新加坡星展银行、招商银行网上银行的经验和教训,为GS银行进行财务风险管理提供借鉴。在此基础上,本文提出了互联网金融背景下GS银行财务风险管理的对策和建议,包括GS银行应加强对财务指标的监控和管理,完善财务风险的组织管理,完善信息化体系建设,并以GS银行安徽省市场的房地产业务为例,提出GS银行要基于大数据完善行业信息监测体系,加强同业间的数据与信息共享力度,基于信息化加大区域市场的精细化管理。
[Abstract]:Internet finance has a great impact on the development of traditional commercial banks, but also brings more market opportunities. Traditional commercial banks are constantly exploring and testing the road of Internet finance to keep up with the pace of the times. But at the same time, Internet finance brings more market opportunities, some risks involved in the Internet, such as the rapid replication of risks. All kinds of Internet viruses or Trojan horses also make commercial banks facing greater financial risks under the background of Internet finance. How to strengthen the level of financial risk management while embracing the era of Internet finance. This paper takes GS Bank as the research object, and puts forward the financial risk management measures under the background of Internet finance. Firstly, this paper studies the background and significance of this paper. The research status at home and abroad is combed and evaluated, the research ideas and methods of this paper are put forward, and the relevant theories are summarized and summarized. This paper analyzes the current situation of GS bank financial risk management under the background of Internet finance. This paper studies the basic situation of GS Bank in the Internet financial situation, and puts forward the problems in the financial risk management of GS Bank under the background of Internet Finance, including the imperfect means of financial risk monitoring. The financial risk organization security is insufficient, the financial risk management level and the method are relatively backward and so on. At the same time, this article summarizes and evaluates the domestic and foreign excellent commercial bank risk management experience. Including the US security first network bank, Singapore DBS Bank, China Merchants Bank online banking experience and lessons for GS Bank to carry out financial risk management. On this basis. This paper puts forward the countermeasures and suggestions of GS bank's financial risk management under the background of Internet finance, including that GS bank should strengthen the monitoring and management of financial index and perfect the organization and management of financial risk. Improve the construction of information system, and take the real estate business of GS Bank in Anhui Province as an example, put forward that GS Bank should improve the industry information monitoring system based on big data, strengthen the strength of data and information sharing among the same industry. Based on information technology to increase the fine management of the regional market.
【学位授予单位】：青岛大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F832.3;F830.42

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