本文選題：互聯(lián)網(wǎng)金融 + 風(fēng)險(xiǎn)管理��； 參考：《內(nèi)蒙古財(cái)經(jīng)大學(xué)》2015年碩士論文

【摘要】：自2012年以來,我國的互聯(lián)網(wǎng)金融行業(yè)迅猛發(fā)展,在展示我國金融創(chuàng)新的重要形式和成果的同時(shí)互聯(lián)網(wǎng)金融逐步暴露和潛在的風(fēng)險(xiǎn)也引起了學(xué)界的擔(dān)憂、社會(huì)的關(guān)注�；ヂ�(lián)網(wǎng)金融不僅有著金融業(yè)常見的風(fēng)險(xiǎn),如信用風(fēng)險(xiǎn)、操作風(fēng)險(xiǎn)、市場(chǎng)風(fēng)險(xiǎn)等,同時(shí)還有著其特定的風(fēng)險(xiǎn),如客戶信息安全問題、支付系統(tǒng)風(fēng)險(xiǎn),電子法律風(fēng)險(xiǎn)等。由于目前互聯(lián)網(wǎng)金融重效率輕風(fēng)控的現(xiàn)狀,加之立法不足,監(jiān)管缺失,如果不能及時(shí)有效的管控互聯(lián)網(wǎng)金融風(fēng)險(xiǎn),一旦失控,微小的個(gè)別的風(fēng)險(xiǎn)也可能最終導(dǎo)致系統(tǒng)風(fēng)險(xiǎn)爆發(fā),甚至引發(fā)整個(gè)社會(huì)的金融、經(jīng)濟(jì)和政治危機(jī)。本文主要圍繞包商銀行的互聯(lián)網(wǎng)金融業(yè)務(wù)的開展情況以及風(fēng)險(xiǎn)管理行為展開闡述和分析,對(duì)如何建立和加強(qiáng)互聯(lián)網(wǎng)金融風(fēng)控體系和監(jiān)管體系的展開論述,力求為互聯(lián)網(wǎng)金融完善風(fēng)險(xiǎn)管理提出可行性建議。本文通過介紹了包商銀行目前的互聯(lián)網(wǎng)金融業(yè)務(wù)發(fā)展現(xiàn)狀、如何應(yīng)對(duì)互聯(lián)網(wǎng)金融時(shí)代帶來的影響和挑戰(zhàn)。全面總結(jié)互聯(lián)網(wǎng)金融已經(jīng)暴露和潛在的風(fēng)險(xiǎn),選取包商銀行的互聯(lián)網(wǎng)綜合智能在線理財(cái)平臺(tái)“小馬bank”作為主要案例,對(duì)包商銀行的互聯(lián)網(wǎng)金融業(yè)務(wù)如何開展風(fēng)險(xiǎn)管理,其風(fēng)險(xiǎn)管理行為的優(yōu)勢(shì),如何克服劣勢(shì),等進(jìn)行分析,證明當(dāng)前互聯(lián)網(wǎng)金融快速建立和完善風(fēng)險(xiǎn)管理控制體系的必要性和緊迫性,實(shí)現(xiàn)理論和實(shí)際相結(jié)合。最終從互聯(lián)網(wǎng)金融機(jī)構(gòu)和監(jiān)管單位兩個(gè)層面,對(duì)如何建立和完善互聯(lián)網(wǎng)金融風(fēng)險(xiǎn)管理體系提出可行性建議。
[Abstract]:Since 2012, the Internet financial industry in China has developed rapidly. While demonstrating the important forms and achievements of financial innovation in our country, the exposure and potential risks of Internet finance have also aroused the concern of the academic circles and the society. Internet finance not only has some common risks in finance, such as credit risk, operation risk, market risk and so on, but also has its specific risk, such as customer information security problem, payment system risk, electronic legal risk and so on. Due to the current situation of heavy efficiency and light wind control of Internet finance, coupled with inadequate legislation and lack of supervision, if the Internet financial risks cannot be effectively and timely controlled, once out of control, small individual risks may eventually lead to the outbreak of systemic risks. Even triggered the entire social financial, economic and political crisis. This paper mainly focuses on the development of Internet financial business and risk management behavior of the contractor bank, and discusses how to establish and strengthen the Internet financial risk control system and supervision system. Strive to improve the risk management of Internet finance put forward feasible suggestions. This paper introduces the current situation of the Internet financial business of the contractor bank and how to deal with the influence and challenge brought about by the internet finance age. This paper comprehensively summarizes the exposure and potential risks of Internet finance, and selects "Pony bank", a comprehensive Internet intelligent online financing platform of the contractor Bank, as the main case, and how to carry out risk management for the Internet financial business of the contractor Bank. The advantages of the risk management behavior, how to overcome the disadvantages, etc., are analyzed to prove the necessity and urgency of establishing and perfecting the risk management and control system of Internet finance rapidly, so as to realize the combination of theory and practice. Finally, from the two aspects of Internet financial institutions and regulatory units, the feasibility suggestions on how to establish and improve the Internet financial risk management system are put forward.
【學(xué)位授予單位】：內(nèi)蒙古財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類號(hào)】：F832.2;F724.6

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