本文選題：商業(yè)銀行 + 互聯(lián)網(wǎng)金融�。� 參考：《鄭州大學(xué)》2016年碩士論文

【摘要】：隨著信息技術(shù)的發(fā)展,互聯(lián)網(wǎng)和金融行業(yè)的結(jié)合越來(lái)越緊密。在金融行業(yè)的發(fā)展過(guò)程中,推動(dòng)傳統(tǒng)金融部門和互聯(lián)網(wǎng)金融融合逐漸成為了一項(xiàng)重要的工作。在此背景下,銀行業(yè)務(wù)的類型與模式發(fā)生了重大變化,企業(yè)間的競(jìng)爭(zhēng)已逐漸發(fā)展成為業(yè)務(wù)模式之間的競(jìng)爭(zhēng)。要結(jié)合互聯(lián)網(wǎng)的模式制訂合理的產(chǎn)品結(jié)構(gòu),基于互聯(lián)網(wǎng)開(kāi)展金融產(chǎn)品的推廣工作。金融工程形成的對(duì)互聯(lián)網(wǎng)金融風(fēng)險(xiǎn)的管控體系將成為推進(jìn)利率市場(chǎng)化和強(qiáng)化金融監(jiān)管的有效工具。本文以2014年初,國(guó)務(wù)院在政府工作報(bào)告中提出的“促進(jìn)互聯(lián)網(wǎng)金融健康發(fā)展”為切入點(diǎn),提出了合理運(yùn)用金融衍生數(shù)據(jù)模型可以有效的對(duì)眾多潛在互聯(lián)網(wǎng)金融風(fēng)險(xiǎn)進(jìn)行預(yù)警與把控的論點(diǎn),首先對(duì)我國(guó)電子商務(wù)平臺(tái)發(fā)展情況、銀行系電商發(fā)展現(xiàn)狀進(jìn)行闡述,引出金融工程在互聯(lián)網(wǎng)金融風(fēng)險(xiǎn)管控中的應(yīng)用:第一,通過(guò)Logistic回歸模型與因子系數(shù)矩陣得分模型等數(shù)學(xué)理論在一些金融案例中的運(yùn)用,進(jìn)而對(duì)多種互聯(lián)網(wǎng)金融信用風(fēng)險(xiǎn)評(píng)估提出具體的策略建議;第二,探討諸如套期保值等金融工程技術(shù)在如何規(guī)避互聯(lián)網(wǎng)金融市場(chǎng)價(jià)格風(fēng)險(xiǎn)中的應(yīng)用;第三,總結(jié)并發(fā)掘了金融工程工具自身存在的風(fēng)險(xiǎn),進(jìn)一步明確了如何合理的在互聯(lián)網(wǎng)金融活動(dòng)中應(yīng)用金融工程技術(shù)。文章總結(jié)了傳統(tǒng)金融行業(yè)(如傳統(tǒng)商業(yè)銀行)與互聯(lián)網(wǎng)金融行業(yè)(如電商平臺(tái)與第三方支付平臺(tái))各自不同的屬性,闡明了金融工程技術(shù)在金融市場(chǎng)中起到的重要作用與意義。文章最后對(duì)金融工程技術(shù)應(yīng)用進(jìn)行了展望,在互聯(lián)網(wǎng)金融正改變?nèi)藗冊(cè)薪?jīng)濟(jì)模式的同時(shí),通過(guò)科學(xué)的運(yùn)用金融工程管理手段將各種新型金融風(fēng)險(xiǎn)概率降至最低。
[Abstract]:With the development of information technology, the combination of Internet and financial industry is more and more close. During the development of financial industry, it has become an important task to promote the integration of traditional financial sector and Internet finance. Under this background, the types and modes of banking business have changed greatly, and the competition among enterprises has gradually developed into the competition among business models. A reasonable product structure should be formulated in combination with the Internet model, and the promotion of financial products based on the Internet should be carried out. The management system of Internet financial risk formed by financial engineering will become an effective tool to promote the marketization of interest rate and strengthen financial supervision. This paper takes "promoting the healthy Development of Internet Finance" as the starting point, which was put forward by the State Council in its government work report in early 2014. This paper puts forward the argument that the reasonable use of financial derivative data model can effectively forewarn and control many potential Internet financial risks. Firstly, the development of e-commerce platform and the current situation of e-commerce development of banks are expounded. The application of financial engineering in Internet financial risk control is introduced. Firstly, the application of mathematical theory such as Logistic regression model and factor coefficient matrix score model in some financial cases is introduced. Then it puts forward some specific suggestions on how to evaluate the credit risk of Internet finance. Secondly, it discusses the application of financial engineering technology such as hedging in how to avoid the price risk in the Internet financial market. Third, it discusses how to avoid the price risk of Internet financial market. This paper summarizes and excavates the risks existing in financial engineering tools, and further clarifies how to apply financial engineering technology in Internet financial activities reasonably. This paper summarizes the different attributes of traditional financial industry (such as traditional commercial bank) and Internet financial industry (such as e-commerce platform and third-party payment platform), and expounds the important role and significance of financial engineering technology in financial market. At the end of the paper, the application of financial engineering technology is prospected. While Internet finance is changing people's original economic model, the probability of various new types of financial risks is reduced to the lowest by using financial engineering management methods scientifically.
【學(xué)位授予單位】：鄭州大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2016
【分類號(hào)】：F724.6;F832
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本文編號(hào)：1834266