互联网金融风险防范研究

发布时间：2018-05-02 22:28

本文选题：互联网金融 + 金融风险　；参考：《湖北工业大学》2017年硕士论文

【摘要】：近年来,随着互联网金融的发展,更多类型的金融模式和金融业务在该行业不断涌现,在促进传统金融业取得不断创新发展的同时,也使得该行业面临了较多的金融风险。做好这些风险的防范,才能对风险带来的负面效应进行有效规避,进而更好的推动我国互联网金融的发展。针对互联网金融风险的防范问题这一课题,本文从互联网金融的产生和发展入手,结合国内外相关文献资料,对互联网金融的风险展开了分析,发现国内互联网金融主要面对技术风险、操作风险、业务风险和法律风险等多种风险。文章进一步通过对实例进行分析,发现综合风险较低的网贷平台普遍建立了各自的互联网金融征信机制、互联网金融法律风险防控机制和互联网金融信息隐私权防控机制。由此提出,对互联网金融风险的防控需要从企业内部和外部同时进行展开相应防范,具体的:对企业内部风险,需要完成互联网金融风险防范机制的构建,即互联网金融征信机制、互联网金融法律风险防控机制、互联网金融信息隐私权防控机制的构建;对于外部风险的防范,还要从政府、行业、企业和技术四个角度提出互联网金融风险防范的相关对策,具体的:在政府方面,可以通过加强互联网金融商品和服务立法、建立风险监督管理体系、建立信用管理体系实现风险防范;在行业领域,可以通过加强投资人风险防范教育、建立风险联合防范机制、实现互联网金融行业自律、对从业者进行全面指导实现风险防范;对于企业来讲,可以通过建立风控模型,落实审核制度和加强信息安全防范实现金融风险防范;从技术角度来看,可以通过加强电子签名技术运用、加强网络域名保护、加强大数据的运用实现风险防范。希望本文提出的一些互联网金融风险防范机制和对策能够为降低互联网金融风险的研究这一课题提供一些启发,有效推动互联网金融的发展。
[Abstract]:In recent years, with the development of Internet finance, more and more types of financial models and financial services are emerging in this industry. While promoting the traditional financial industry to make continuous innovation and development, the industry is also facing a lot of financial risks. Only by taking good precautions against these risks can we effectively avoid the negative effects of these risks, and further better promote the development of Internet finance in China. Aiming at the problem of risk prevention of Internet finance, this paper starts with the emergence and development of Internet finance, and analyzes the risk of Internet finance by combining domestic and foreign literature. It is found that domestic Internet finance mainly faces many kinds of risks, such as technical risk, operational risk, business risk and legal risk. Through the analysis of examples, it is found that the Internet loan platform with low comprehensive risk has established its own Internet financial credit mechanism, Internet financial legal risk prevention and control mechanism and Internet financial information privacy prevention and control mechanism. Therefore, the prevention and control of Internet financial risks should be carried out simultaneously from the inside and outside of enterprises. Specifically, the construction of Internet financial risk prevention mechanism should be completed for the internal risks of enterprises. That is, the construction of the Internet financial credit information mechanism, the Internet financial legal risk prevention and control mechanism, the Internet financial information privacy prevention and control mechanism, and the prevention of external risks from the government, the industry, Enterprises and technologies put forward relevant countermeasures for preventing Internet financial risks. Specifically, in the government, we can establish a risk supervision and management system by strengthening the legislation on Internet financial goods and services. In the field of industry, we can strengthen investor risk prevention education, establish risk joint prevention mechanism, realize self-discipline of Internet financial industry, and give comprehensive guidance to practitioners to realize risk prevention. For enterprises, financial risk prevention can be realized by establishing risk control models, implementing auditing systems and strengthening information security prevention. From a technical point of view, we can strengthen the protection of network domain names by strengthening the use of electronic signature technology. Strengthen the use of big data to achieve risk prevention. It is hoped that some of the mechanisms and countermeasures proposed in this paper can provide some inspiration for the study of reducing Internet financial risks and effectively promote the development of Internet finance.
【学位授予单位】：湖北工业大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F832

【参考文献】