中国互联网金融风险及其防范研究

发布时间：2018-05-12 01:01

本文选题：互联网金融 + 商业模式　；参考：《天津财经大学》2015年硕士论文

【摘要】：在中国经济步入新常态的背景下,互联网+已经被提高到战略高度.李克强总理在2014年开幕的十二届全国人民代表大会上所作的政府工作报告中明确指明,“促进互联网金融健康发展,完善金融监管协调机制,密切监测跨境资本流动,守住不发生系统性和区域性金融风险的底线。让金融成为一池活水,更好地浇灌小微企业和三农等实体经济之树。”互联网金融首次被提到了国家层面的高度。本文研究了近年来国内互联网金融行业整体发展面貌,首先阐明了我国互联网金融的发展现状,近年来互联网金融在我国蓬勃发展,本文用翔实的资料和数据呈现了我国当前互联网金融发展的形势。互联网金融的出现和发展对传统的金融理论也是发展和补充。接着分析了互联网金融的商业模式,说明了几大类互联网金融商业模式的特点。接着分析了互联网金融的国内发展状况。在互联网金融发展得如火如荼的同时也出现了各种形式的风险,互联网金融虽然是新生事物,但是仍然具有金融的特征,互联网金融所具有的特点,不但有传统金融风险的特点也有自身具有的新特点。规避风险必然要求互联网金融的风险防范,所以互联网金融的健康发展也是要求进行互联网金融风防范的内在动力,本文针对互联网金融各种特性从而提出了互联网金融风险防范的建议,阐述了互联网金融风险防范的总的方向,而实现互联网金融的发展方向需要切实可行的互联网金融风险防范路径来实现,本文在抓住互联网金融本质的基础上提出了清晰,明确的互联网金融风险防范办法。
[Abstract]:In the context of China's economy entering the new normal, the Internet has been raised to a strategic height. In the report on the work of the government made by Prime Minister Li Keqiang at the 12th National people's Congress, which opened in 2014, it is clearly stated that "to promote the healthy development of Internet finance, to improve the coordination mechanism of financial supervision, and to closely monitor cross-border capital flows," Guard against the bottom line of systemic and regional financial risks. Let finance become a pool of living water, better watering small and micro enterprises and the real economy such as agriculture, countryside and agriculture tree. " Internet finance has been raised to a high level at the national level for the first time. This paper studies the overall development of the domestic Internet finance industry in recent years, first of all, it clarifies the current situation of the development of Internet finance in China. This paper presents the current situation of Internet finance development in China with full information and data. The emergence and development of Internet finance is also a supplement to the traditional financial theory. Then it analyzes the business model of internet finance and explains the characteristics of several kinds of internet finance business models. Then it analyzes the domestic development of Internet finance. While Internet finance is developing in full swing, there are also various forms of risks. Although Internet finance is a new thing, it still has the characteristics of finance, and Internet finance has its own characteristics. Not only has the traditional financial risk characteristics, but also has its own new characteristics. Avoiding risks will inevitably require the risk prevention of Internet finance. Therefore, the healthy development of Internet finance is also the internal motive force that requires Internet financial style prevention. Based on the characteristics of Internet finance, this paper puts forward some suggestions on how to guard against Internet financial risks, and expounds the general direction of Internet financial risk prevention. To realize the development direction of Internet finance, it is necessary to realize the feasible path of preventing Internet financial risks. This paper puts forward a clear and definite way to prevent Internet financial risks on the basis of grasping the essence of Internet finance.
【学位授予单位】：天津财经大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F724.6;F832

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