基于风险视角的互联网金融创新模式研究
发布时间：2018-09-01 17:08
【摘要】：在计算机网络技术及金融业快速发展的推动下,互联网金融作为新兴金融模式获得孕育而生,相较于传统金融,互联网金融是传统金融行业与互联网精神相结合的新兴业态,作为一种金融创新,其在近几年取得了蓬勃的发展,对传统的固化的以商业银行为主导的金融体系及结构带来了全面挑战。本论文从风险视角,对互联网金融的创新模式展开相应研究,便于对当前互联网金融较具代表的几种发展模式进行探究,并以发展过程中所面临的风险因素进行分析,从而有针对性的提出一些与监管方面有关的建议,以期对互联网金融实现健康可持续发展提供一定的借鉴作用,从这个层面上来说本研究具有积极的现实意义。文章开篇为绪论,在本部分中,主要对选题背景、研究目的、研究意义、研究方法及研究内容进行介绍及阐述。第二部分为相关基础研究介绍,着重针对国内外学者围绕互联网金融所进行的研究进行梳理及阐述,为本研究提供理论层面上的支撑,并在这基础上深入对互联网金融及相关问题进入探究。第三部分主要分析互联网金融行业面临的风险因素。具体主要对这些问题进行阐述,即关于信用体系的建设问题;金融法律法规的建设问题,目前在监管法规上还没有实现统一;关于金融监管体系的建设问题;以及互联网技术的安全保障问题等。第四部分主要对代表性模式进行分析。着重对互联网金融在发展过程中出现的若干新业态进行分析,并根据这样的逻辑思路对其进行探究,即先对发展现状进行阐述,之后对主要概念进行归结,再对运营模式及相应的风险进行分析,最后结合具体情况提出防范建议,以期对其发展的初步规律进行揭示。第五部分主要是提出建议。在本部分中,结合上文所存在的这些问题,并立足于互联网金融发展的实际情况,在对其发展所面临的问题进行分析,以及从下一步发展策略这个角度,就我国互联网金融如何实现可持续发展和建立怎样的互联网金融创新模式来减少风险和规避风险提出针对性建议,其中包括向移动互联网金融进行转变、构建良好互联网金融生态系统、强化对行业进行有效监管及推行创新差异化商业模式等。第六部分主要是结论及展望。在本部分中,先是对全文进行简要的回顾及归结并得出相应的研究结论,最后则对互联网金融研究提出研究展望。
[Abstract]:With the rapid development of computer network technology and financial industry, Internet finance, as a new financial model, has been conceived. Compared with traditional finance, Internet finance is a new business form which combines traditional financial industry with Internet spirit. As a kind of financial innovation, it has made vigorous development in recent years, which brings an overall challenge to the traditional financial system and structure, which is dominated by commercial banks. From the perspective of risk, this paper makes a corresponding research on the innovation mode of Internet finance, which is convenient to probe into several development modes which are more representative of Internet finance, and to analyze the risk factors in the process of development. In order to provide some reference for the healthy and sustainable development of Internet finance, this study has positive practical significance. In this part, the background, purpose, significance, methods and contents of the research are introduced. The second part is the introduction of related basic research, focusing on the domestic and foreign scholars around the Internet finance research carding and expounding, for this study provides theoretical support, And on the basis of this in-depth research into Internet finance and related issues. The third part mainly analyzes the risk factors faced by the Internet finance industry. These problems are mainly discussed, namely, the construction of credit system, the construction of financial laws and regulations, the construction of financial supervision system, the construction of financial regulation system and the construction of financial regulation system. And the safety and security of Internet technology and so on. The fourth part mainly analyzes the representative model. This paper focuses on the analysis of some new business forms in the course of development of Internet finance, and probes into them according to such logical thinking, that is, to expound the present situation of development first, and then to sum up the main concepts. Then it analyzes the operation mode and the corresponding risks, and finally puts forward some preventive suggestions in the light of the specific situation, in order to reveal the preliminary law of its development. The fifth part is mainly to put forward suggestions. In this part, in combination with the above existing problems, and based on the actual situation of the development of Internet finance, in the analysis of the problems faced by its development, as well as from the perspective of the next development strategy, This paper puts forward some suggestions on how to realize the sustainable development of Internet finance in our country and how to establish the innovative mode of Internet finance to reduce risks and avoid risks, including changing to mobile Internet finance. Build a good Internet financial ecosystem, strengthen the effective supervision of the industry and implement innovative differentiated business model. The sixth part is the conclusion and prospect. In this part, firstly, the full text is reviewed and summed up and the corresponding conclusions are drawn. Finally, the research prospect of Internet finance is put forward.
【学位授予单位】：武汉纺织大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F832
本文编号：2217834
[Abstract]:With the rapid development of computer network technology and financial industry, Internet finance, as a new financial model, has been conceived. Compared with traditional finance, Internet finance is a new business form which combines traditional financial industry with Internet spirit. As a kind of financial innovation, it has made vigorous development in recent years, which brings an overall challenge to the traditional financial system and structure, which is dominated by commercial banks. From the perspective of risk, this paper makes a corresponding research on the innovation mode of Internet finance, which is convenient to probe into several development modes which are more representative of Internet finance, and to analyze the risk factors in the process of development. In order to provide some reference for the healthy and sustainable development of Internet finance, this study has positive practical significance. In this part, the background, purpose, significance, methods and contents of the research are introduced. The second part is the introduction of related basic research, focusing on the domestic and foreign scholars around the Internet finance research carding and expounding, for this study provides theoretical support, And on the basis of this in-depth research into Internet finance and related issues. The third part mainly analyzes the risk factors faced by the Internet finance industry. These problems are mainly discussed, namely, the construction of credit system, the construction of financial laws and regulations, the construction of financial supervision system, the construction of financial regulation system and the construction of financial regulation system. And the safety and security of Internet technology and so on. The fourth part mainly analyzes the representative model. This paper focuses on the analysis of some new business forms in the course of development of Internet finance, and probes into them according to such logical thinking, that is, to expound the present situation of development first, and then to sum up the main concepts. Then it analyzes the operation mode and the corresponding risks, and finally puts forward some preventive suggestions in the light of the specific situation, in order to reveal the preliminary law of its development. The fifth part is mainly to put forward suggestions. In this part, in combination with the above existing problems, and based on the actual situation of the development of Internet finance, in the analysis of the problems faced by its development, as well as from the perspective of the next development strategy, This paper puts forward some suggestions on how to realize the sustainable development of Internet finance in our country and how to establish the innovative mode of Internet finance to reduce risks and avoid risks, including changing to mobile Internet finance. Build a good Internet financial ecosystem, strengthen the effective supervision of the industry and implement innovative differentiated business model. The sixth part is the conclusion and prospect. In this part, firstly, the full text is reviewed and summed up and the corresponding conclusions are drawn. Finally, the research prospect of Internet finance is put forward.
【学位授予单位】：武汉纺织大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F832
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