校园消费金融行业的风险管理研究

发布时间：2018-04-20 12:35

本文选题：校园消费金融 + 风险　；参考：《内蒙古大学》2017年硕士论文

【摘要】：2004年9月,广发银行和金诚信用联合发行首张大学生信用卡,这一举动引起了巨大反响,标志着校园消费金融时代的到来。由于大学生信用卡市场的非理性发展,引发了各种问题。2009年,中国银监会出台《关于进一步规范信用卡业务的通知》。大学生信用卡业务急转直下,新型校园消费金融工具开始进入市场。2013年8月,第一家大学生分期购物平台——分期乐成立。随后两年,校园消费金融获得蓬勃发展,推出多种服务模式,如以京东校园白条为代表的电商小贷、以名校贷为代表的大学生网贷平台等。校园消费金融从产生到现在经历两个阶段,四种业务模式,相较于传统金融行业而言具有智能化、数字化、便捷化等特点。随着校园消费金融行业不断发展,风险管理的重要性日趋凸显。校园消费金融行业的风险主要体现在法律风险、信用风险和技术风险三个层面。通过研究实际案例,了解最新的行业动态,并结合我国当前的宏观环境,提出从健全校园消费金融市场监管机制、加快推进大学生征信体系建设和风险控制与转移三方面,来增强校园消费金融行业的风控能力。随后,又以"分期乐"为案例,说明校园消费金融服务商如何做好风险控制。本文研究具有较大的现实意义,可以在一定程度上为我国校园消费金融行业的风险管理提供参考意见,从而推动校园消费金融行业的良性发展。
[Abstract]:In September 2004, Guangfa Bank and Jincheng Credit jointly issued the first university student credit card, which caused a huge response and marked the arrival of the era of campus consumer finance. The irrational development of the credit card market of college students has caused various problems. In 2009, China Banking Regulatory Commission issued the notice on further standardizing Credit Card Business. The credit card business of college students has turned sharply, and the new campus consumer financial instruments have begun to enter the market. In August 2013, Fenqile, the first college student's phased shopping platform, was set up. In the following two years, the campus consumer finance developed vigorously, and launched a variety of service models, such as JingDong campus whitebar as the representative of small e-commerce loans, with famous university loans as the representative of the network loan platform, and so on. The campus consumer finance has experienced two stages from the beginning to now, four business models, compared with the traditional financial industry, it has the characteristics of intelligence, digitization, convenience and so on. With the continuous development of campus consumer finance industry, the importance of risk management is becoming increasingly prominent. The risk of campus consumer finance industry is mainly reflected in three levels: legal risk, credit risk and technical risk. Through studying the actual cases, understanding the latest industry trends and combining the current macro environment of our country, this paper puts forward three aspects: perfecting the supervision mechanism of the campus consumer financial market, speeding up the construction of the credit system for college students and controlling and transferring the risks. To enhance the campus consumer finance industry risk control capacity. Then, taking Fenqile as an example, it explains how to control the risk of campus consumer financial service providers. The research in this paper is of great practical significance and can provide reference for the risk management of the campus consumer finance industry in China to a certain extent, thus promoting the benign development of the campus consumer finance industry.
【学位授予单位】：内蒙古大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F832.4

【相似文献】