本文選題：互聯(lián)網(wǎng)金融 + 商業(yè)銀行　； 參考：《吉林大學(xué)》2017年碩士論文

【摘要】：隨著互聯(lián)網(wǎng)技術(shù)的發(fā)展,互聯(lián)網(wǎng)金融得到迅猛發(fā)展。網(wǎng)絡(luò)融資業(yè)務(wù)作為互聯(lián)網(wǎng)金融的一種業(yè)務(wù)模式,將互聯(lián)網(wǎng)技術(shù)和小額貸款進(jìn)行有機(jī)結(jié)合,有效緩解了小微企業(yè)的“融資難,融資貴”的難題,一經(jīng)推出就受到了廣大小微企業(yè)的歡迎,并逐漸形成了P2P貸款、眾籌和電商小貸三種典型的業(yè)務(wù)模式。在這三種模式中,尤以電商小貸的模式發(fā)展最快最好,其中最為典型的是阿里巴巴集團(tuán)旗下的螞蟻金服。借助于阿里巴巴電子商務(wù)平臺,螞蟻金服憑借其擁有的大數(shù)據(jù)以及豐富的信用評級體系,為天貓、淘寶店主、個人消費者提供網(wǎng)絡(luò)融資服務(wù),發(fā)展勢頭十分迅猛,已成為我國互聯(lián)網(wǎng)金融領(lǐng)域的領(lǐng)軍企業(yè)。在互聯(lián)網(wǎng)金融的巨大沖擊下,傳統(tǒng)商業(yè)銀行也紛紛“觸網(wǎng)”,在前期已有的電子銀行基礎(chǔ)上,進(jìn)一步擁抱互聯(lián)網(wǎng),改造自身的傳統(tǒng)經(jīng)營模式,陸續(xù)成立網(wǎng)絡(luò)融資中心,大力拓展網(wǎng)絡(luò)融資以應(yīng)對互聯(lián)網(wǎng)金融的沖擊和挑戰(zhàn)。本文就以網(wǎng)絡(luò)融資業(yè)務(wù)為切入點,選取了傳統(tǒng)商業(yè)銀行中的典型代表—工商銀行與互聯(lián)網(wǎng)金融行業(yè)里的翹楚—螞蟻金服進(jìn)行對比。開篇首先綜述了借貸風(fēng)險及網(wǎng)絡(luò)融資業(yè)務(wù)研究領(lǐng)域的知名學(xué)者的相關(guān)研究成果。第二部分別從主要業(yè)務(wù)發(fā)展模式及發(fā)展現(xiàn)狀兩個方面介紹了工商銀行和螞蟻金服的網(wǎng)絡(luò)融資業(yè)務(wù)基本情況,為后文的分析做鋪墊。第三部分則通過比較工商銀行和螞蟻金服網(wǎng)絡(luò)融資業(yè)務(wù)的風(fēng)險共性,為目前的網(wǎng)絡(luò)融資業(yè)務(wù)的風(fēng)險做出了總結(jié)歸納。第四部分重點介紹了相較于傳統(tǒng)商業(yè)銀行網(wǎng)絡(luò)融資業(yè)務(wù),螞蟻金服網(wǎng)絡(luò)融資業(yè)務(wù)的風(fēng)險特性。根據(jù)傳統(tǒng)商業(yè)銀行與互聯(lián)網(wǎng)金融的網(wǎng)絡(luò)融資業(yè)務(wù)的不同風(fēng)險特性,第五部分、第六部分則分別提出了傳統(tǒng)商業(yè)銀行和互聯(lián)網(wǎng)金融公司加強(qiáng)網(wǎng)絡(luò)融資業(yè)務(wù)風(fēng)險管理的應(yīng)對之策。
[Abstract]:With the development of Internet technology, Internet finance is developing rapidly. As a business model of Internet finance, network financing combines Internet technology with small loans, which effectively alleviates the problem of "difficult financing and expensive financing" for small and micro enterprises. Once introduced, it has been welcomed by the majority of small and micro enterprises, and has gradually formed three typical business models: P2P loans, crowdfunding and e-commerce small loans. Among the three models, ecommerce small loans are the fastest growing model, most notably Ant Financial Services Group, owned by the Alibaba Group. With the help of Alibaba e-commerce platform, Ant Financial Services Group, with its big data and rich credit rating system, provides network financing services for Tmall, Taobao shopkeepers and individual consumers. It has become the leading enterprise in the field of internet finance in our country. Under the tremendous impact of Internet finance, traditional commercial banks have also "broken into the net" one after another. On the basis of pre-existing electronic banks, they further embrace the Internet, transform their traditional business models, and set up network financing centers one after another. Expand network financing to deal with the impact and challenge of internet finance. This paper selects the typical representative of the traditional commercial bank ICBC and the leading Internet finance industry-Ant Financial Services Group to compare with the network financing business as the breakthrough point. At the beginning of the paper, the research results of famous scholars in the field of loan risk and network financing are reviewed. The second part introduces the basic situation of ICBC and Ant Financial Services Group's network financing business from the two aspects of the main business development mode and the current development situation, which pave the way for the later analysis. The third part compares the risk commonness between ICBC and Ant Financial Services Group network financing business and summarizes the risk of current network financing business. The fourth part focuses on the risk characteristics of Ant Financial Services Group network financing business compared with the traditional commercial bank network financing business. According to the different risk characteristics of traditional commercial banks and Internet finance, the fifth part and the sixth part respectively put forward the countermeasures of traditional commercial banks and Internet financial companies to strengthen the network financing business risk management.
【學(xué)位授予單位】：吉林大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F724.6;F274;F832.2

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