【摘要】：在計(jì)算機(jī)網(wǎng)絡(luò)技術(shù)及金融業(yè)快速發(fā)展的推動(dòng)下,互聯(lián)網(wǎng)金融作為新興金融模式獲得孕育而生,相較于傳統(tǒng)金融,互聯(lián)網(wǎng)金融是傳統(tǒng)金融行業(yè)與互聯(lián)網(wǎng)精神相結(jié)合的新興業(yè)態(tài),作為一種金融創(chuàng)新,其在近幾年取得了蓬勃的發(fā)展,對(duì)傳統(tǒng)的固化的以商業(yè)銀行為主導(dǎo)的金融體系及結(jié)構(gòu)帶來(lái)了全面挑戰(zhàn)。本論文從風(fēng)險(xiǎn)視角,對(duì)互聯(lián)網(wǎng)金融的創(chuàng)新模式展開相應(yīng)研究,便于對(duì)當(dāng)前互聯(lián)網(wǎng)金融較具代表的幾種發(fā)展模式進(jìn)行探究,并以發(fā)展過(guò)程中所面臨的風(fēng)險(xiǎn)因素進(jìn)行分析,從而有針對(duì)性的提出一些與監(jiān)管方面有關(guān)的建議,以期對(duì)互聯(lián)網(wǎng)金融實(shí)現(xiàn)健康可持續(xù)發(fā)展提供一定的借鑒作用,從這個(gè)層面上來(lái)說(shuō)本研究具有積極的現(xiàn)實(shí)意義。文章開篇為緒論,在本部分中,主要對(duì)選題背景、研究目的、研究意義、研究方法及研究?jī)?nèi)容進(jìn)行介紹及闡述。第二部分為相關(guān)基礎(chǔ)研究介紹,著重針對(duì)國(guó)內(nèi)外學(xué)者圍繞互聯(lián)網(wǎng)金融所進(jìn)行的研究進(jìn)行梳理及闡述,為本研究提供理論層面上的支撐,并在這基礎(chǔ)上深入對(duì)互聯(lián)網(wǎng)金融及相關(guān)問(wèn)題進(jìn)入探究。第三部分主要分析互聯(lián)網(wǎng)金融行業(yè)面臨的風(fēng)險(xiǎn)因素。具體主要對(duì)這些問(wèn)題進(jìn)行闡述,即關(guān)于信用體系的建設(shè)問(wèn)題;金融法律法規(guī)的建設(shè)問(wèn)題,目前在監(jiān)管法規(guī)上還沒(méi)有實(shí)現(xiàn)統(tǒng)一;關(guān)于金融監(jiān)管體系的建設(shè)問(wèn)題;以及互聯(lián)網(wǎng)技術(shù)的安全保障問(wèn)題等。第四部分主要對(duì)代表性模式進(jìn)行分析。著重對(duì)互聯(lián)網(wǎng)金融在發(fā)展過(guò)程中出現(xiàn)的若干新業(yè)態(tài)進(jìn)行分析,并根據(jù)這樣的邏輯思路對(duì)其進(jìn)行探究,即先對(duì)發(fā)展現(xiàn)狀進(jìn)行闡述,之后對(duì)主要概念進(jìn)行歸結(jié),再對(duì)運(yùn)營(yíng)模式及相應(yīng)的風(fēng)險(xiǎn)進(jìn)行分析,最后結(jié)合具體情況提出防范建議,以期對(duì)其發(fā)展的初步規(guī)律進(jìn)行揭示。第五部分主要是提出建議。在本部分中,結(jié)合上文所存在的這些問(wèn)題,并立足于互聯(lián)網(wǎng)金融發(fā)展的實(shí)際情況,在對(duì)其發(fā)展所面臨的問(wèn)題進(jìn)行分析,以及從下一步發(fā)展策略這個(gè)角度,就我國(guó)互聯(lián)網(wǎng)金融如何實(shí)現(xiàn)可持續(xù)發(fā)展和建立怎樣的互聯(lián)網(wǎng)金融創(chuàng)新模式來(lái)減少風(fēng)險(xiǎn)和規(guī)避風(fēng)險(xiǎn)提出針對(duì)性建議,其中包括向移動(dòng)互聯(lián)網(wǎng)金融進(jìn)行轉(zhuǎn)變、構(gòu)建良好互聯(lián)網(wǎng)金融生態(tài)系統(tǒng)、強(qiáng)化對(duì)行業(yè)進(jìn)行有效監(jiān)管及推行創(chuàng)新差異化商業(yè)模式等。第六部分主要是結(jié)論及展望。在本部分中,先是對(duì)全文進(jìn)行簡(jiǎn)要的回顧及歸結(jié)并得出相應(yīng)的研究結(jié)論,最后則對(duì)互聯(lián)網(wǎng)金融研究提出研究展望。
[Abstract]:With the rapid development of computer network technology and financial industry, Internet finance, as a new financial model, has been conceived. Compared with traditional finance, Internet finance is a new business form which combines traditional financial industry with Internet spirit. As a kind of financial innovation, it has made vigorous development in recent years, which brings an overall challenge to the traditional financial system and structure, which is dominated by commercial banks. From the perspective of risk, this paper makes a corresponding research on the innovation mode of Internet finance, which is convenient to probe into several development modes which are more representative of Internet finance, and to analyze the risk factors in the process of development. In order to provide some reference for the healthy and sustainable development of Internet finance, this study has positive practical significance. In this part, the background, purpose, significance, methods and contents of the research are introduced. The second part is the introduction of related basic research, focusing on the domestic and foreign scholars around the Internet finance research carding and expounding, for this study provides theoretical support, And on the basis of this in-depth research into Internet finance and related issues. The third part mainly analyzes the risk factors faced by the Internet finance industry. These problems are mainly discussed, namely, the construction of credit system, the construction of financial laws and regulations, the construction of financial supervision system, the construction of financial regulation system and the construction of financial regulation system. And the safety and security of Internet technology and so on. The fourth part mainly analyzes the representative model. This paper focuses on the analysis of some new business forms in the course of development of Internet finance, and probes into them according to such logical thinking, that is, to expound the present situation of development first, and then to sum up the main concepts. Then it analyzes the operation mode and the corresponding risks, and finally puts forward some preventive suggestions in the light of the specific situation, in order to reveal the preliminary law of its development. The fifth part is mainly to put forward suggestions. In this part, in combination with the above existing problems, and based on the actual situation of the development of Internet finance, in the analysis of the problems faced by its development, as well as from the perspective of the next development strategy, This paper puts forward some suggestions on how to realize the sustainable development of Internet finance in our country and how to establish the innovative mode of Internet finance to reduce risks and avoid risks, including changing to mobile Internet finance. Build a good Internet financial ecosystem, strengthen the effective supervision of the industry and implement innovative differentiated business model. The sixth part is the conclusion and prospect. In this part, firstly, the full text is reviewed and summed up and the corresponding conclusions are drawn. Finally, the research prospect of Internet finance is put forward.
【學(xué)位授予單位】：武漢紡織大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F724.6;F832

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本文編號(hào)：2217834