本文選題：互聯(lián)網(wǎng)金融 + 第三方支付��； 參考：《吉林大學(xué)》2015年碩士論文

【摘要】：在經(jīng)濟(jì)全球化的新時(shí)代，隨著我國(guó)互聯(lián)網(wǎng)科技的普及范圍越來越廣，支付寶、淘寶眾籌、P2P模式等新型的金融詞匯不斷出現(xiàn)在人們的視野當(dāng)中，傳統(tǒng)金融領(lǐng)域不斷滲透著互聯(lián)網(wǎng)技術(shù)方便快捷的因素，與此同時(shí)，大數(shù)據(jù)、社交網(wǎng)絡(luò)、云計(jì)算等互聯(lián)網(wǎng)科技也在以互聯(lián)網(wǎng)金融形式逐漸滲透到傳統(tǒng)金融領(lǐng)域，我國(guó)的金融行業(yè)也逐步進(jìn)入了一個(gè)全新的互聯(lián)網(wǎng)時(shí)代，，互聯(lián)網(wǎng)金融應(yīng)運(yùn)而生并逐漸成為了當(dāng)今人們生活當(dāng)中不可或缺的支付和投資方式。雖然互聯(lián)網(wǎng)與傳統(tǒng)金融業(yè)務(wù)結(jié)合的互聯(lián)網(wǎng)金融服務(wù)是當(dāng)今的一大熱點(diǎn)，但是互聯(lián)網(wǎng)行業(yè)一向是風(fēng)險(xiǎn)投資的主戰(zhàn)場(chǎng)。在互聯(lián)網(wǎng)金融模式快速發(fā)展的同時(shí)，互聯(lián)網(wǎng)金融也蘊(yùn)含著大量的風(fēng)險(xiǎn)。目前我國(guó)互聯(lián)網(wǎng)金融的發(fā)展還處于剛剛起步的階段，對(duì)互聯(lián)網(wǎng)金融模式的研究還不夠成熟。因此，本文從互聯(lián)網(wǎng)金融的基本概念及特點(diǎn)出發(fā)，分析互聯(lián)網(wǎng)金融各大模式發(fā)展的現(xiàn)狀，并深入分析在其發(fā)展過程中存在的各種風(fēng)險(xiǎn)，進(jìn)而提出有針對(duì)性的對(duì)策建議，本文的理論分析對(duì)我國(guó)金融市場(chǎng)的發(fā)展具有重要的指導(dǎo)意義。本文共分為六個(gè)部分： 第一章，緒論。緒論主要分析了本文的研究背景和意義，系統(tǒng)介紹了本文的研究方法和內(nèi)容，回顧并借鑒了國(guó)內(nèi)外對(duì)于互聯(lián)網(wǎng)金融的相關(guān)研究方法和研究成果，系統(tǒng)介紹了整篇文章的研究思路和方法，并指出了本篇文章的特色和創(chuàng)新點(diǎn)。 第二章，互聯(lián)網(wǎng)金融模式概述。本部分主要介紹了互聯(lián)網(wǎng)金融模式的概念、分類及特點(diǎn)，將互聯(lián)網(wǎng)金融分為第三方支付、P2P模式和眾籌模式、大數(shù)據(jù)金融、信息化金融機(jī)構(gòu)以及互聯(lián)網(wǎng)金融門戶六大類，并詳細(xì)闡述了各個(gè)分類的涵義及相應(yīng)的特點(diǎn)。 第三章，我國(guó)互聯(lián)網(wǎng)金融發(fā)展現(xiàn)狀分析。本部分介紹了互聯(lián)網(wǎng)金融六大類在我國(guó)的發(fā)展現(xiàn)狀，主要表現(xiàn)在第三方支付快速發(fā)展，P2P模式和眾籌模式影響越來越廣泛，大數(shù)據(jù)金融起步并優(yōu)勢(shì)顯現(xiàn)，信息化金融機(jī)構(gòu)成為發(fā)展趨勢(shì)，互聯(lián)網(wǎng)金融門戶功能增強(qiáng)，與此同時(shí)，闡述了各個(gè)模式在發(fā)展過程中面臨的潛在風(fēng)險(xiǎn)。 第四章，我國(guó)互聯(lián)網(wǎng)金融模式存在的風(fēng)險(xiǎn)。本章重點(diǎn)在于將上一部分六大模式所存在的各種風(fēng)險(xiǎn)歸納起來，可以分為四類風(fēng)險(xiǎn)：法律風(fēng)險(xiǎn)、技術(shù)風(fēng)險(xiǎn)、資金安全風(fēng)險(xiǎn)和信息安全風(fēng)險(xiǎn)。 第五章，互聯(lián)網(wǎng)金融穩(wěn)健發(fā)展的對(duì)策建議。基于上面的所提出的四大類風(fēng)險(xiǎn)，對(duì)我國(guó)互聯(lián)網(wǎng)金融模式的穩(wěn)健發(fā)展提出了有針對(duì)性的對(duì)策和建議，對(duì)我國(guó)金融市場(chǎng)在未來健康有序的運(yùn)行具有一定的指導(dǎo)意義。
[Abstract]:In the new era of economic globalization, with China's popularity of Internet technology increasingly wide range of Alipay, Taobao chips, P2P mode and other new financial words continue to appear in people's field of vision, the traditional financial sector continue to penetrate the Internet technology is convenient for, at the same time, big data, social networking, cloud computing etc. Internet technology is also gradually infiltrating into the traditional financial field in the form of Internet finance, and the financial industry of our country has gradually entered a new era of Internet. Internet finance has emerged as the times require and became an indispensable means of payment and investment in people's life. Although the Internet is combined with traditional financial services Internet financial service is a hot spot today, but the Internet industry has always been the main battlefield of venture investment. While the Internet financial model is developing rapidly, the Internet finance also contains a lot of risks. At present, the development of Internet Finance in China is still at the beginning stage, and the research on the Internet financial model is not yet. Therefore, based on the basic concepts and characteristics of Internet finance, this paper analyzes the current situation of the development of Internet Finance and analyzes various risks in its development, and then puts forward some pertinent countermeasures and suggestions. The theoretical analysis of this paper has important guiding significance for the development of China's financial market. This article is divided into six parts:
The first chapter, introduction. The introduction mainly analyzes the research background and significance of this paper, systematically introduces the research methods and contents of this article, reviews and draws lessons from the relevant research methods and research achievements on Internet finance at home and abroad, systematically introduces the research ideas and methods of the whole article, and points out the characteristics and innovation points of this article.
The second chapter, the overview of the Internet financial model, this part mainly introduces the concept, classification and characteristics of the Internet financial model, divides Internet finance into third party payments, P2P mode and public financing model, large data finance, information financial institutions and Internet financial portal six categories, and expounds the meanings and corresponding classifications in detail. Characteristic.
The third chapter is the analysis of the current situation of Internet Finance in China. This part introduces the development status of the six major categories of Internet Finance in China, mainly in the rapid development of the third party payment, the more and more extensive P2P mode and the public financing mode, the big data finance start and advantages, and the development trend of the information financial institutions, the Internet Finance The function of the portal is enhanced, and at the same time, the potential risks of various modes in the development process are expounded.
The fourth chapter is the risk of China's Internet financial model. The focus of this chapter is to sum up the various risks in the six major models of the last part, which can be divided into four types of risks: legal risk, technical risk, capital security risk and information security risk.
The fifth chapter, the countermeasures and suggestions for the sound development of Internet finance. Based on the above four kinds of risks, this paper puts forward some pertinent countermeasures and suggestions for the steady development of China's Internet financial model, which has certain guiding significance for the healthy and orderly operation of the financial market in the future.
【學(xué)位授予單位】：吉林大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類號(hào)】：F832.33;F724.6

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 楊彪;李冀申;;第三方支付的宏觀經(jīng)濟(jì)風(fēng)險(xiǎn)及宏觀審慎監(jiān)管[J];財(cái)經(jīng)科學(xué);2012年04期

2 苗曉宇;;網(wǎng)絡(luò)P2P信貸風(fēng)險(xiǎn)與防范[J];甘肅金融;2012年02期

3 肖本華;;美國(guó)眾籌融資模式的發(fā)展及其對(duì)我國(guó)的啟示[J];南方金融;2013年01期

4 孫之涵;;P2P網(wǎng)絡(luò)小額信貸探析[J];征信;2010年03期

5 尤瑞章;張曉霞;;P2P在線借貸的中外比較分析——兼論對(duì)我國(guó)的啟示[J];金融發(fā)展評(píng)論;2010年03期

6 袁新龍,吳清烈;江蘇企業(yè)信息化與電子商務(wù)應(yīng)用現(xiàn)狀分析[J];科技與經(jīng)濟(jì);2003年03期

7 張萌;;互聯(lián)網(wǎng)金融與傳統(tǒng)金融[J];中國(guó)經(jīng)濟(jì)報(bào)告;2014年02期

8 楊小鈺;;眾籌 開辟眾人拾柴之道[J];綠色中國(guó);2013年12期

9 李尤;;我國(guó)電子商務(wù)環(huán)境中的電子支付方式比較分析[J];企業(yè)技術(shù)開發(fā);2006年06期

10 辛憲;;P2P運(yùn)營(yíng)模式探微[J];商場(chǎng)現(xiàn)代化;2009年21期

本文編號(hào)：1949820