互联网金融指数研究

发布时间：2018-02-14 10:08

本文关键词： 互联网金融互联网金融指数指标体系 P2P信贷业务指数　出处：《中央财经大学》2014年硕士论文　论文类型：学位论文

【摘要】：互联网金融是现代信息技术与传统金融业相结合的新型领域,它的兴起来源于用户和技术两方面的驱动力。一方面,在传统金融服务/产品中,大部分用户的需求并未得到满足。第一财经日报的调研结果显示,接近90%有金融需求的用户,在传统金融体系中未获得满足,这些客户主要包括小微企业、个体工商户和白领阶层三类。另一方面,随着以互联网为代表的现代信息技术深入渗透到人们的日常生活中,尤其是搜索引擎、大数据和云计算等,一定程度改变了人们的商业习惯。据CNNIC(中国互联网络信息中心)数据显示,中国互联网渗透率已经从2000年的不到2%飙升到2013年的44%;同期,互联网用户增长量更是超过25倍。而以互联网为代表的现代信息技术,不仅仅为传统金融服务提供平台,降低交易成本,更能够对其进行创新。根据这些数据可看出,传统金融服务与现代信息技术的结合成为金融创新的大势所趋。随着互联网金融成为我国互联网行业及金融行业的热门话题,国内学者开始针对互联网金融领域进行研究,目前尚处于理论层面,主要集中于互联网金融的定义、分类及各业务子类的发展现状、政策及监管意见等问题,而针对互联网金融发展情况的实践研究较少。至今,我国尚未建立科学全面的测度互联网金融领域发展情况的指数方法与指标体系。因此,本文对于互联网金融指数的研究兼具理论与实践意义。本文从互联网金融的定义及分类入手,结合互联网金融发展历程,并参考各业务子类的特征,寻求构建互联网金融指数指标体系的理论依据。文章的主要内容包括:第一部分,绪论。包括研究背景及意义、国内外研究综述、论文研究思路、内容及方法、研究重难点及创新点等。第二部分,互联网金融理论概述。基于现有文献对互联网金融定义及分类的研究,重新界定互联网金融的内涵、外延及分类情况,并梳理互联网金融的发展历程,为互联网金融指数指标体系构建奠定基础。第三部分,互联网金融指数指标体系构建。首先介绍目前我国已有的与互联网金融相关的指数情况,其次介绍指标体系构建原则以及理论依据,分别从11个业务子类的创新能力、营运能力、风险因素入手,选取互联网金融指数指标。第四部分,互联网金融指数构建。以P2P信贷业务为例,确定指标参考值,结合德尔菲法、层次分析法完成指标赋权。第五部分,研究结论与展望。总结本文的研究成果,对互联网金融指数的实际用途及使用方法加以说明,并提出研究展望。
[Abstract]:Internet finance is a new field which combines modern information technology with traditional financial industry. Its rise comes from the driving force of user and technology. On the one hand, in the traditional financial service / product, Most of the users' needs have not been met. According to a survey by China Business Daily, close to 90% users with financial needs have not been met in the traditional financial system. These customers include mainly small and micro enterprises. On the other hand, as the modern information technology represented by the Internet has penetrated deeply into people's daily lives, especially search engines, big data and cloud computing, Some changes have been made in people's business habits. Internet penetration in China has soared from less than 2% in 2000 to 44 in 2013, according to CNNIC. Internet users are growing by more than 25 times. And modern information technology, represented by the Internet, not only provides a platform for traditional financial services, reduces transaction costs, but also innovates them. The combination of traditional financial services and modern information technology has become the general trend of financial innovation. As Internet finance has become a hot topic in China's Internet industry and financial industry, domestic scholars have begun to study the field of Internet finance. At present, it is still at the theoretical level, mainly focusing on the definition, classification and development status of various business subcategories, policy and regulatory opinions, etc., but the practical research on the development of Internet finance is rare. China has not yet established a scientific and comprehensive index method and index system to measure the development of Internet finance. This paper has both theoretical and practical significance for the study of Internet financial index. This paper starts with the definition and classification of Internet finance, combines the development of Internet finance, and refers to the characteristics of each business subcategory. The main contents of this paper include: the first part, the introduction, including the research background and significance, the domestic and foreign research summary, the research thought, the content and the method. The second part is an overview of the theory of Internet finance. Based on the existing literature on the definition and classification of Internet finance, the connotation, extension and classification of Internet finance are redefined. And combing the development course of Internet finance, laying the foundation for the construction of index system of Internet finance index. The third part, the construction of index system of Internet finance index system. First, it introduces the current situation of index related to Internet finance in our country. Secondly, the paper introduces the principle of index system construction and the theoretical basis, starting with the innovation ability, operation ability and risk factors of 11 business subcategories, selects the Internet financial index. 4th part. Internet finance index construction. Take P2P credit business as an example, determine the index reference value, combine Delphi method, Analytic hierarchy process to complete index weighting. 5th part, research conclusion and prospect. Summarize the research results of this paper. The practical use and usage of Internet financial index are explained, and the research prospect is put forward.
【学位授予单位】：中央财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4;F724.6

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