我国互联网金融风险研究

发布时间：2018-03-28 12:39

本文选题：互联网金融　切入点：风险管理　出处：《山西财经大学》2016年硕士论文

【摘要】：伴随国内互联网使用范围的扩大,再加上网络科技本身所具备的便捷特性而且可以提供高效率、公开的交易条件,使得国内的传统金融行业也逐步融入了互联网技术的要素。国内的电商平台也日益成为金融行业的一大运营渠道,其自主的开展金融创新并且持续扩展我国有关的服务市场,扭转了国内传统金融服务的整体走势,如此,互联网金融模式便登上了舞台。不过,互联网行业一直属于高风险型的领域,加之其运行模式出现和运作的时间尚短,在监管、管理各个方面以及自身设施上难以与其发展的速度保持一致,如此必然会使得这种金融模式隐藏难以预估的风险。因而,文章使用文献研究法、分析比较法以及实证分析法,由互联网金融的概念、分类以及特点等着手,深层次的阐释该模式当前的基本情况,揭露出其中潜藏的各类风险,并且对各种风险制定具体的应对方案。文章基本上可划分为下面几个部分:第一章为绪论,基本上阐述了文章的探究背景、价值以及国内外当前的探究情况以及探究方法、内容、特色及创新点。第二章为互联网金融模式概述,这一章节基本上由互联网金融的概念及特点这两个方面着手加以论述。第三章为国内互联网金融现阶段的发展情况剖析,这一章节介绍了互联网金融几个基本的类别,依次为第三方支付、众筹模式、信息化金融机构以及互联网金融平台,并且论述了现阶段国内这几种模式的基本情况,寻求其在高速向前推进过程当中凸显出的主要问题。第四章为我国互联网金融模式潜藏的风险。依次从网络安全、操作风险、信用风险、业务风险以及法律和声誉风险着手,详细剖析国内互联网金融模式潜藏的风险,并给予一定的评判。第五章为对互联网风险特征的阐述,由它的可控性、传染性、外部因素的作用机制以及风险的放大效应几个部分着手,论述了其风险特征及变动状况。第六章为金融风险评价手段的对比,金融风险的评价方法基本上包括三种,即定性评价方法、定量评价方法以及综合评价方法,本章主要是对这三种方法加以对比,确定最恰当的方式。第七章为以阿里巴巴小额贷款公司为例对互联网风险评估的实证研究,依次由风险评估指标的确立、建立以及运行结果的剖析等几个部分着手进行实证研究,科学的评定各个指标的作用程度。第八章为防控互联网金融风险的意见,对上面介绍的各个类型的风险提出对应的应对措施,为国内互联网金融的持续稳定发展打下基础,确保金融市场多样化机制的顺利落实。文章的创新之处大致包含两个方面,其一在于分析方法上,选取模糊层次分析法来对各种风险加以剖析,这一方法能够使指标关键程度的确立更为简便,从定性的判断提升为定量的计算。另外,指标的选取兼顾了互联网科技与金融两方面的含义,极大程度的发掘出各类重要指标,而且确立了许多有别于以往设定标准的指标。
[Abstract]:With the expansion of the domestic Internet use range, and convenient characteristics on the network technology itself and can provide efficient and open trading conditions, the domestic financial industry is gradually integrated into the traditional elements of Internet technology. Domestic business platform is also increasingly becoming a major operation channel of the financial industry, its independent development financial innovation and continuous expansion of China's relevant service market, reversing the overall trend, the traditional domestic financial services so that the Internet financial model they boarded the stage. However, the Internet industry has always belonged to the high risk areas, and its mode of operation and operation time is short, in all aspects of management and supervision. Its facilities to its development speed is consistent, so the financial risk will make it difficult to estimate the hidden patterns. Thus, the use of paper With research method, comparative analysis and empirical analysis, from the concept of Internet banking, on the classification and characteristics, deeply explains the basic situation of the current mode, including all kinds of risk revealing hidden, and make specific solutions to various risks. The article basically can be divided into the following several parts: first chapter basically expounds the research background of the article, and the value of the current domestic and international research situation, research methods, contents, characteristics and innovations. The second chapter is an overview of Internet financial model, this chapter basically from the concept and characteristics of Internet banking in the two aspects. The third chapter discusses the analysis as the development of domestic Internet banking at this stage, this chapter introduces several basic categories of Internet finance, followed by the third party payment, raising mode, information of financial institutions And the Internet financial platform, and discusses the basic situation of the present domestic several models, seeking its main problems in high-speed forward process. The fourth chapter is to highlight the potential risks of Internet financial mode in China. In order from network security, operational risk, credit risk, operational risk and legal risk and reputation to a detailed analysis of potential risks, the domestic Internet financial model, and give some evaluation. The fifth chapter is the characteristics of the Internet risk described by the controllability, it's contagious, amplification mechanism of several external factors and risk to discusses the risk characteristics and changes. The sixth chapter is the comparison of financial risk evaluation method, evaluation method of financial risk basically includes three kinds, namely the qualitative evaluation method, quantitative evaluation method and comprehensive evaluation method, this chapter is mainly on Compare these three methods to determine the most appropriate way. The seventh chapter is the empirical research on the risk assessment cases of Internet Alibaba to microfinance companies, followed by the risk assessment index is established for the establishment as well as the results of the analysis to empirical research, the extent of scientific evaluation indicators. In the eighth chapter for the prevention and control of the financial risks of the Internet opinion, put forward measures corresponding to various types of risks described above, to lay the foundation for sustained and stable development of the domestic Internet banking financial market diversification, to ensure the smooth implementation of the mechanism. The innovation of this article generally includes two aspects, one is that the analysis method, fuzzy selection the analytic hierarchy process to analyze all kinds of risks, this method can make the establishment of the index key degree is more convenient, from the qualitative to quantitative judgment promotion In addition, the selection of indicators takes account of the two aspects of Internet technology and finance, and excavates all kinds of important indicators to a great extent, and establishes many indicators that are different from previous standards.

【学位授予单位】：山西财经大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F724.6;F832

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