中国工商银行与蚂蚁金服网络融资业务风险对比分析

发布时间：2018-05-28 07:59

本文选题：互联网金融 + 商业银行　；参考：《吉林大学》2017年硕士论文

【摘要】：随着互联网技术的发展,互联网金融得到迅猛发展。网络融资业务作为互联网金融的一种业务模式,将互联网技术和小额贷款进行有机结合,有效缓解了小微企业的“融资难,融资贵”的难题,一经推出就受到了广大小微企业的欢迎,并逐渐形成了P2P贷款、众筹和电商小贷三种典型的业务模式。在这三种模式中,尤以电商小贷的模式发展最快最好,其中最为典型的是阿里巴巴集团旗下的蚂蚁金服。借助于阿里巴巴电子商务平台,蚂蚁金服凭借其拥有的大数据以及丰富的信用评级体系,为天猫、淘宝店主、个人消费者提供网络融资服务,发展势头十分迅猛,已成为我国互联网金融领域的领军企业。在互联网金融的巨大冲击下,传统商业银行也纷纷“触网”,在前期已有的电子银行基础上,进一步拥抱互联网,改造自身的传统经营模式,陆续成立网络融资中心,大力拓展网络融资以应对互联网金融的冲击和挑战。本文就以网络融资业务为切入点,选取了传统商业银行中的典型代表—工商银行与互联网金融行业里的翘楚—蚂蚁金服进行对比。开篇首先综述了借贷风险及网络融资业务研究领域的知名学者的相关研究成果。第二部分别从主要业务发展模式及发展现状两个方面介绍了工商银行和蚂蚁金服的网络融资业务基本情况,为后文的分析做铺垫。第三部分则通过比较工商银行和蚂蚁金服网络融资业务的风险共性,为目前的网络融资业务的风险做出了总结归纳。第四部分重点介绍了相较于传统商业银行网络融资业务,蚂蚁金服网络融资业务的风险特性。根据传统商业银行与互联网金融的网络融资业务的不同风险特性,第五部分、第六部分则分别提出了传统商业银行和互联网金融公司加强网络融资业务风险管理的应对之策。
[Abstract]:With the development of Internet technology, Internet finance is developing rapidly. As a business model of Internet finance, network financing combines Internet technology with small loans, which effectively alleviates the problem of "difficult financing and expensive financing" for small and micro enterprises. Once introduced, it has been welcomed by the majority of small and micro enterprises, and has gradually formed three typical business models: P2P loans, crowdfunding and e-commerce small loans. Among the three models, ecommerce small loans are the fastest growing model, most notably Ant Financial Services Group, owned by the Alibaba Group. With the help of Alibaba e-commerce platform, Ant Financial Services Group, with its big data and rich credit rating system, provides network financing services for Tmall, Taobao shopkeepers and individual consumers. It has become the leading enterprise in the field of internet finance in our country. Under the tremendous impact of Internet finance, traditional commercial banks have also "broken into the net" one after another. On the basis of pre-existing electronic banks, they further embrace the Internet, transform their traditional business models, and set up network financing centers one after another. Expand network financing to deal with the impact and challenge of internet finance. This paper selects the typical representative of the traditional commercial bank ICBC and the leading Internet finance industry-Ant Financial Services Group to compare with the network financing business as the breakthrough point. At the beginning of the paper, the research results of famous scholars in the field of loan risk and network financing are reviewed. The second part introduces the basic situation of ICBC and Ant Financial Services Group's network financing business from the two aspects of the main business development mode and the current development situation, which pave the way for the later analysis. The third part compares the risk commonness between ICBC and Ant Financial Services Group network financing business and summarizes the risk of current network financing business. The fourth part focuses on the risk characteristics of Ant Financial Services Group network financing business compared with the traditional commercial bank network financing business. According to the different risk characteristics of traditional commercial banks and Internet finance, the fifth part and the sixth part respectively put forward the countermeasures of traditional commercial banks and Internet financial companies to strengthen the network financing business risk management.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F274;F832.2

【参考文献】