互联网汽车金融风险控制研究

发布时间：2018-04-16 20:07

本文选题：金融风险控制 + 互联网汽车　；参考：《南京邮电大学》2017年硕士论文

【摘要】：随着人民群众对出行及生活品质的要求不断提升,我国汽车保有量不断上涨,互联网行业对汽车金融的关注也在直线升温,成为众多创业者和各路资本的关注焦点。近几年来,互联网汽车金融这一新生事物在飞速发展的同时,也面临着法律法规、信用体系、行业管理上的诸多挑战,而金融风险控制便属于首当其冲的问题。目前,互联网汽车金融作为一门新兴的交叉整合产业,汽车产业理论和相关金融理论并没有形成一套相对成熟的理论体系,仅有的一些理论也是聚焦于政府监管和宏观政策角度,而对于互联网汽车金融风险控制体系则研究的不多。目前行业现状尚处于实践先行,而指导理论相对滞后的一个局面。本文基于ofbiz应用框架的某金融风险控制系统,主要针对该系统核心功能模块及集中监控模块的设计和实现,提出了必要的性能优化解决方案,并利用金融风险控制和识别算法设计并实现了一套互联网汽车金融风险控制系统。该系统能够根据多种识别和评估来进行风险计量,对风险提供多种评估和识别模型,从而适应不同的用户需求和市场状况,很大程度上解决了互联网汽车公司对金融市场风险的量化管理问题,使经营者能够清楚的度量金融风险,并针对性的开展金融风险控制防范工作。目前,该系统在试运行期间运转情况良好,充分达成测试目标,并得到了用户的一致认可。
[Abstract]:With the increasing demands of the people on travel and quality of life, the number of cars in our country has been rising, and the attention of the Internet industry to automobile finance is also rising in a straight line, which has become the focus of attention of many entrepreneurs and various kinds of capital.In recent years, with the rapid development of Internet automobile finance, it also faces many challenges in laws and regulations, credit system and industry management, and financial risk control is the first problem.At present, as an emerging cross-integration industry, the theory of automobile industry and related financial theories have not formed a relatively mature theoretical system.Only some theories focus on government supervision and macro policy, but few researches on Internet auto financial risk control system.At present, the industry is still in practice first, and guidance theory is lagging behind a situation.In this paper, a financial risk control system based on ofbiz application framework is designed and implemented. Aiming at the design and implementation of the core function module and centralized monitoring module of the system, a necessary performance optimization solution is put forward.A set of Internet automobile financial risk control system is designed and implemented by using financial risk control and identification algorithm.The system can measure risk according to a variety of identification and assessment, and provide a variety of risk assessment and identification models to adapt to different user needs and market conditions.To a great extent, it solves the problem of quantitative management of financial market risk in Internet automobile companies, which enables operators to measure financial risks clearly and to carry out financial risk control and prevention work.At present, the system works well during the trial run, fully achieves the test goal, and has been unanimously approved by the users.
【学位授予单位】：南京邮电大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F832.4;TP393.09

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