我国互联网金融风险管理研究

发布时间：2018-01-13 11:34

本文关键词：我国互联网金融风险管理研究　出处：《首都经济贸易大学》2016年硕士论文　论文类型：学位论文

【摘要】：随着互联网金融在我国的蓬勃发展,互联网金融机构的数量也在呈几何式增长。与此同时,也有越来越多的互联网金融机构出现问题,跑路、倒闭情况频发。在我们被互联网金融在我国取得的骄人成绩而震撼的同时,不得不注意到互联网金融存在着的风险隐患已经制约了互联网金融在我国的健康发展。本文的写作目的就是对我国互联网金融存在的风险隐患进行研究,并提出具有针对性的风险管理建议。在写作过程中运用了文献研究法和实证分析法。第二、三、四章是本文的核心内容。第二章中首先介绍了互联网金融的起源以及其在美国和日本的发展情况;之后介绍了我国互联网金融的发展现状以及取得的一些成绩和发现的问题;最后对互联网金融的发展做了展望,以此作为对目前互联网金融发展背景的介绍。第三章分别介绍了互联网金融所存在的风险隐患,包括信用风险、操作风险、流动性风险、技术风险和政策法律风险,以及当前我国在互联网金融风险管理上存在的问题,有监管不足、法律定位不明、内部风险控制力薄弱、风险应对机制缺失和信息不对称。再结合国外的互联网金融风险管理经验提出了针对我国情况的建议,分别是完善互联网金融法律法规体系、推动行业自律、推进互联网金融信息安全建设、建立完备的信用评级体系和加强国际间交流合作。第四章以拍拍贷为例针对目前问题比较严重P2P领域进行了风险管理问题的研究,并提出了相关风险管理建议资金第三方托管、信用风险保障以及完善风险内控体系。最后对全文做出总结。
[Abstract]:With the vigorous development of Internet finance in China, the number of Internet financial institutions is also growing in geometric form. At the same time, more and more Internet financial institutions have problems and run the road. Bankruptcy occurred frequently. At the same time, we were shocked by the remarkable achievements of Internet finance in our country. We have to note that the risks of Internet finance have restricted the healthy development of Internet finance in China. The purpose of this paper is to study the risks of Internet finance in China. And put forward targeted risk management recommendations. In the process of writing the use of literature research and empirical analysis. Second, third. The second chapter introduces the origin of Internet finance and its development in the United States and Japan. Then it introduces the current situation of the development of Internet finance in China and some achievements and problems. Finally, the development of Internet finance is prospected as the background of the development of Internet finance. The third chapter introduces the risks of Internet finance, including credit risk, operational risk. Liquidity risk, technical risk and policy legal risk, as well as the current problems in Internet financial risk management, there are insufficient supervision, unclear legal position, weak internal risk control. The lack of risk response mechanism and asymmetric information. Then combined with the experience of foreign Internet financial risk management put forward suggestions for the situation in China, they are to improve the legal and regulatory system of Internet finance, promote industry self-discipline. We will promote the construction of Internet financial information security. Establish a complete credit rating system and strengthen international exchanges and cooperation. Chapter 4th takes PPDAI as an example to study the risk management problem in the field of P2P with more serious problems. And put forward the related risk management suggestion fund third party trusteeship, the credit risk safeguard as well as consummates the risk internal control system. Finally makes the summary to the full text.
【学位授予单位】：首都经济贸易大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F724.6;F832.1

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