本文選題：互聯(lián)網(wǎng)金融　切入點：風(fēng)險識別　出處：《山東財經(jīng)大學(xué)》2015年碩士論文　論文類型：學(xué)位論文

【摘要】：2013年6月13日,支付寶推出互聯(lián)網(wǎng)金融創(chuàng)新產(chǎn)品“余額寶”,不僅滿足了大眾的小額理財需求,而且還給人們帶來了前所未有的互聯(lián)網(wǎng)金融便捷服務(wù)體驗。因此,市場中以余額寶為代表的各類互聯(lián)網(wǎng)金融理財產(chǎn)品如雨后春筍般出現(xiàn),并帶動了整個互聯(lián)網(wǎng)金融的高速發(fā)展。自2014年以來,互聯(lián)網(wǎng)金融連續(xù)兩次被寫進政府工作報告中,標(biāo)志著互聯(lián)網(wǎng)金融正式得到政策層面的認(rèn)可。面對金融與生俱來的風(fēng)險性以及互聯(lián)網(wǎng)與金融深度結(jié)合之后所產(chǎn)生的特殊風(fēng)險,如何降低互聯(lián)網(wǎng)金融風(fēng)險、保證消費者權(quán)益和互聯(lián)網(wǎng)金融的健康有序發(fā)展,成為業(yè)界普遍思索的一個問題。因此,對互聯(lián)網(wǎng)金融風(fēng)險的評估與量化不但能夠進一步豐富和發(fā)展互聯(lián)網(wǎng)金融風(fēng)險評估理論,而且能夠提高金融效率和防范互聯(lián)網(wǎng)金融風(fēng)險。本文首先介紹了互聯(lián)網(wǎng)金融的基本情況及其風(fēng)險分類;然后,從國家層面、行業(yè)層面和互聯(lián)網(wǎng)金融自身層面對其進行了多層次、多主體的風(fēng)險識別,在此基礎(chǔ)上,建立了包含9個一級指標(biāo)和25個二級指標(biāo)的互聯(lián)網(wǎng)金融風(fēng)險評估指標(biāo)體系;最后,懫用有別于傳統(tǒng)單一風(fēng)險因素分析方法的層次評價法,將定性分析與定量分析有機結(jié)合,計算互聯(lián)網(wǎng)金融各層面的風(fēng)險評估指標(biāo)權(quán)重,并運用模糊綜合評價法進行總體風(fēng)險水平評估,構(gòu)建了基于AHP-模糊綜合評價法的互聯(lián)網(wǎng)金融風(fēng)險評估模型。研究結(jié)果表明,一方面,在一級指標(biāo)中,國家層面風(fēng)險和操作風(fēng)險在互聯(lián)網(wǎng)金融風(fēng)險中所占權(quán)重最高,分別為0.2611和0.2051;在二級指標(biāo)中,立法滯后風(fēng)險、網(wǎng)絡(luò)系統(tǒng)安全風(fēng)險、跨業(yè)經(jīng)營風(fēng)險和軟件系統(tǒng)風(fēng)險對整體風(fēng)險影響最大。另一方面,由于整體風(fēng)險水平對“高”等級的隸屬度為最大值0.33,因而根據(jù)最大隸屬度原則判定互聯(lián)網(wǎng)金融的風(fēng)險等級為“高”。針對上述結(jié)果,本文提出了加快法制體系建設(shè)、構(gòu)建網(wǎng)絡(luò)安全體系、成立行業(yè)自律組織等互聯(lián)網(wǎng)金融風(fēng)險防范建議。
[Abstract]:In June 13th 2013, Alipay launched Yu'e Bao, an innovative product of Internet finance, which not only meets the needs of the public in microfinance, but also brings people an unprecedented experience of convenient Internet financial services. All kinds of Internet financial products, represented by Yu'e Bao, have sprung up in the market, and have led to the rapid development of the entire Internet finance. Since 2014, Internet finance has been written into government work reports for two consecutive times. In the face of the inherent risks of finance and the special risks caused by the deep combination of the Internet and finance, how to reduce the risks of Internet finance, To ensure the healthy and orderly development of consumer rights and interests and Internet finance has become a common problem in the industry. Therefore, the evaluation and quantification of Internet financial risks can not only further enrich and develop the theory of Internet financial risk assessment, And it can improve the financial efficiency and prevent the Internet financial risk. This paper first introduces the basic situation of Internet finance and its risk classification; then, from the national level, the industry level and the Internet finance itself level to carry on the multi-level. On the basis of multi-agent risk identification, an index system of Internet financial risk assessment is established, which includes 9 first-grade indexes and 25 second-class indexes. Finally, the hierarchical evaluation method, which is different from the traditional single risk factor analysis method, is used. The qualitative analysis and quantitative analysis are combined organically to calculate the index weights of risk assessment in all levels of Internet finance, and the fuzzy comprehensive evaluation method is used to evaluate the overall risk level. A model of Internet financial risk assessment based on AHP- fuzzy comprehensive evaluation method is constructed. The results show that, on the one hand, the country level risk and operational risk have the highest weight in the Internet financial risk. In the second level index, the risk of legislation lag, network system security, cross-industry operation risk and software system risk have the most influence on the overall risk, on the other hand, the risk of legislation lag, the risk of network system security, the risk of cross-industry operation and the risk of software system have the most influence on overall risk. Because the membership degree of the whole risk level to the "high" grade is 0.33, the risk grade of Internet finance is determined to be "high" according to the principle of maximum membership degree. In view of the above results, this paper proposes to speed up the construction of the legal system. Construct network security system, set up industry self-discipline organization and so on Internet financial risk prevention suggestion.
【學(xué)位授予單位】：山東財經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2015
【分類號】：F724.6;F832.2

【參考文獻】

相關(guān)期刊論文 前10條

1 謝平;鄒傳偉;;互聯(lián)網(wǎng)金融模式研究[J];金融研究;2012年12期

2 楊群華;;我國互聯(lián)網(wǎng)金融的特殊風(fēng)險及防范研究[J];金融科技時代;2013年07期

3 中國人民銀行開封市中心支行課題組;趙繼鴻;;基于服務(wù)主體的互聯(lián)網(wǎng)金融運營風(fēng)險比較及監(jiān)管思考[J];征信;2013年12期

4 陶婭娜;;互聯(lián)網(wǎng)金融發(fā)展研究[J];金融發(fā)展評論;2013年11期

5 于宏凱;;互聯(lián)網(wǎng)金融發(fā)展、影響與監(jiān)管問題的思考[J];內(nèi)蒙古金融研究;2013年09期

6 張超;朱維娜;;基于層次分析法的互聯(lián)網(wǎng)金融中小企業(yè)信用評價體系構(gòu)建[J];征信;2014年10期

7 孫晨輝;李富有;;基于AHP和模糊綜合評價的民間金融風(fēng)險判定與評估[J];經(jīng)濟管理;2014年02期

8 唐嘉悅;郝蒙;;基于AHP的P2P風(fēng)險綜合評價及控制[J];經(jīng)濟研究導(dǎo)刊;2014年32期

9 張瑾;;基于金融風(fēng)險壓力指數(shù)的系統(tǒng)性金融風(fēng)險評估研究[J];上海金融;2012年09期

10 黃海龍;;基于以電商平臺為核心的互聯(lián)網(wǎng)金融研究[J];上海金融;2013年08期

相關(guān)重要報紙文章 前1條

1 林采宜 楊超 國泰君安研究所;[N];上海證券報;2013年

，

本文編號：1569880