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论文编号：	11282
作者编号：	2320170532
上传时间：	2019/12/11 11:34:24
中文题目：	A银行互联网金融业务风险管理研究
英文题目：	Research on Risk Management of A Bank’s Internet Financial Business
指导老师：	姚颐
中文关键字：	商业银行；互联网金融；互联网金融业务；风险管理
英文关键字：	commercial bank；Internet finance；Internet financial business；risk management
中文摘要：	随着国内互联网信息技术的发展，互联网技术在各行各业的应用与结合愈加广泛，互联网金融也应运而生。互联网金融凭借其自身的技术优势，在全国范围内掀起了一场互联网金融风暴，网络时代的金融运行模式从根本上改变了金融行业格局，也完善了整个金融服务体系；与此同时互联网金融业对以商业银行为代表的传统金融行业造成了冲击，以A银行为代表的商业银行迎难而上不断进行产品开发和创新，推出了自身的互联网金融业务。 互联网金融在发展过程中产品创新速度较快，但金融监管的理念和措施并没有发展到位，导致近年来风险频出，这也给商业银行发展互联网金融业务敲响了警钟。虽然国家金融监管机构对互联网金融业务发展制定和出台了相关政策和制度，但目前互联网金融行业的风险管理体系并不完善。A银行开展自身的互联网金融业务同样是新事物，风险管理方面可以进行参照的样本较少，传统的风险管理措施也不能够完全照搬使用。 本文将围绕A银行的互联网金融业务风险管理问题展开研究，依据公开资料对互联网金融行业风险和商业银行发展互联网金融业务的常见业务类型，进行探讨和研究。同时，依据自身的实际工作经验，对A银行互联网金融业务的现状和业务风险点进行分析，揭露了目前风险管理存在的问题，进而从A银行实际角度出发，总结出一些解决当前问题的风险管理对策措施。
英文摘要：	With the development of Internet information technology in China, Internet technology has been widely applied in all walks of life, and Internet finance has also emerged.With its own technological advantages, Internet finance has set off an Internet financial storm nationwide. The financial operation mode in the network era fundamentally changes the financial industry pattern and improves the entire financial service system.At the same time, Internet finance has also impacted the traditional financial industry represented by commercial Banks. Commercial Banks represented by bank A have risen to the challenge and continuously carried out product development and innovation, and launched their own Internet financial businesses. In the development process of Internet finance, the product innovation is fast, but the concept and measures of financial supervision are not in place, leading to frequent risks in recent years, which also sounded the alarm for commercial Banks to develop Internet finance business.Although the country's financial regulator of Internet financial business development formulated and issued the relevant policy and system, the risk management system of Internet finance industry is not perfect now.It is also new for bank A to carry out its own Internet financial business. There are few samples for risk management to refer to, and traditional risk management measures cannot be completely copied. This paper will focus on the risk management of Internet finance business of bank A, and discuss and study the risks of Internet finance industry and common business types of commercial Banks to develop Internet finance business based on public information.Meanwhile, based on my own practical work experience, this paper analyzes the current situation and business risk points of Internet financial business of bank A, reveals the existing problems of the current risk management, and then summarizes some risk management countermeasures to solve the current problems from the practical perspective of bank A.
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