本文選題：互聯(lián)網(wǎng)金融 + 金融風(fēng)險　； 參考：《湖北工業(yè)大學(xué)》2017年碩士論文

【摘要】：近年來,隨著互聯(lián)網(wǎng)金融的發(fā)展,更多類型的金融模式和金融業(yè)務(wù)在該行業(yè)不斷涌現(xiàn),在促進(jìn)傳統(tǒng)金融業(yè)取得不斷創(chuàng)新發(fā)展的同時,也使得該行業(yè)面臨了較多的金融風(fēng)險。做好這些風(fēng)險的防范,才能對風(fēng)險帶來的負(fù)面效應(yīng)進(jìn)行有效規(guī)避,進(jìn)而更好的推動我國互聯(lián)網(wǎng)金融的發(fā)展。針對互聯(lián)網(wǎng)金融風(fēng)險的防范問題這一課題,本文從互聯(lián)網(wǎng)金融的產(chǎn)生和發(fā)展入手,結(jié)合國內(nèi)外相關(guān)文獻(xiàn)資料,對互聯(lián)網(wǎng)金融的風(fēng)險展開了分析,發(fā)現(xiàn)國內(nèi)互聯(lián)網(wǎng)金融主要面對技術(shù)風(fēng)險、操作風(fēng)險、業(yè)務(wù)風(fēng)險和法律風(fēng)險等多種風(fēng)險。文章進(jìn)一步通過對實例進(jìn)行分析,發(fā)現(xiàn)綜合風(fēng)險較低的網(wǎng)貸平臺普遍建立了各自的互聯(lián)網(wǎng)金融征信機(jī)制、互聯(lián)網(wǎng)金融法律風(fēng)險防控機(jī)制和互聯(lián)網(wǎng)金融信息隱私權(quán)防控機(jī)制。由此提出,對互聯(lián)網(wǎng)金融風(fēng)險的防控需要從企業(yè)內(nèi)部和外部同時進(jìn)行展開相應(yīng)防范,具體的:對企業(yè)內(nèi)部風(fēng)險,需要完成互聯(lián)網(wǎng)金融風(fēng)險防范機(jī)制的構(gòu)建,即互聯(lián)網(wǎng)金融征信機(jī)制、互聯(lián)網(wǎng)金融法律風(fēng)險防控機(jī)制、互聯(lián)網(wǎng)金融信息隱私權(quán)防控機(jī)制的構(gòu)建;對于外部風(fēng)險的防范,還要從政府、行業(yè)、企業(yè)和技術(shù)四個角度提出互聯(lián)網(wǎng)金融風(fēng)險防范的相關(guān)對策,具體的:在政府方面,可以通過加強互聯(lián)網(wǎng)金融商品和服務(wù)立法、建立風(fēng)險監(jiān)督管理體系、建立信用管理體系實現(xiàn)風(fēng)險防范;在行業(yè)領(lǐng)域,可以通過加強投資人風(fēng)險防范教育、建立風(fēng)險聯(lián)合防范機(jī)制、實現(xiàn)互聯(lián)網(wǎng)金融行業(yè)自律、對從業(yè)者進(jìn)行全面指導(dǎo)實現(xiàn)風(fēng)險防范;對于企業(yè)來講,可以通過建立風(fēng)控模型,落實審核制度和加強信息安全防范實現(xiàn)金融風(fēng)險防范;從技術(shù)角度來看,可以通過加強電子簽名技術(shù)運用、加強網(wǎng)絡(luò)域名保護(hù)、加強大數(shù)據(jù)的運用實現(xiàn)風(fēng)險防范。希望本文提出的一些互聯(lián)網(wǎng)金融風(fēng)險防范機(jī)制和對策能夠為降低互聯(lián)網(wǎng)金融風(fēng)險的研究這一課題提供一些啟發(fā),有效推動互聯(lián)網(wǎng)金融的發(fā)展。
[Abstract]:In recent years, with the development of Internet finance, more and more types of financial models and financial services are emerging in this industry. While promoting the traditional financial industry to make continuous innovation and development, the industry is also facing a lot of financial risks. Only by taking good precautions against these risks can we effectively avoid the negative effects of these risks, and further better promote the development of Internet finance in China. Aiming at the problem of risk prevention of Internet finance, this paper starts with the emergence and development of Internet finance, and analyzes the risk of Internet finance by combining domestic and foreign literature. It is found that domestic Internet finance mainly faces many kinds of risks, such as technical risk, operational risk, business risk and legal risk. Through the analysis of examples, it is found that the Internet loan platform with low comprehensive risk has established its own Internet financial credit mechanism, Internet financial legal risk prevention and control mechanism and Internet financial information privacy prevention and control mechanism. Therefore, the prevention and control of Internet financial risks should be carried out simultaneously from the inside and outside of enterprises. Specifically, the construction of Internet financial risk prevention mechanism should be completed for the internal risks of enterprises. That is, the construction of the Internet financial credit information mechanism, the Internet financial legal risk prevention and control mechanism, the Internet financial information privacy prevention and control mechanism, and the prevention of external risks from the government, the industry, Enterprises and technologies put forward relevant countermeasures for preventing Internet financial risks. Specifically, in the government, we can establish a risk supervision and management system by strengthening the legislation on Internet financial goods and services. In the field of industry, we can strengthen investor risk prevention education, establish risk joint prevention mechanism, realize self-discipline of Internet financial industry, and give comprehensive guidance to practitioners to realize risk prevention. For enterprises, financial risk prevention can be realized by establishing risk control models, implementing auditing systems and strengthening information security prevention. From a technical point of view, we can strengthen the protection of network domain names by strengthening the use of electronic signature technology. Strengthen the use of big data to achieve risk prevention. It is hoped that some of the mechanisms and countermeasures proposed in this paper can provide some inspiration for the study of reducing Internet financial risks and effectively promote the development of Internet finance.
【學(xué)位授予單位】：湖北工業(yè)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F724.6;F832

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本文編號：1835748