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论文编号：	7775
作者编号：	2120132735
上传时间：	2015/12/5 17:05:47
中文题目：	互联网金融的风险管理研究--基于P2P网络借贷模式分析
英文题目：	A Risk Management Study of Internet Finance Using Peer-to-Peer (P2P) Lending As an Example
指导老师：	王全喜
中文关键字：	互联网金融；金融风险；风险管理；P2P网络借贷；金融监管
英文关键字：	Internet finance; financial risks; risk management; Peer-to-Peer lending (P2P lending); financial regulation
中文摘要：	进入21世纪以来,随着互联网技术和移动通信技术的普及迅猛发展，互联网与各行业及产业的接触越发紧密，特别是基于互联网的创新蓬勃兴起，成为经济发展的新引擎。当前，我国经济正处于发展动力转换的关键时期，金融业作为社会经济发展的支柱性产业，同样面临着转型与变革的需求。寻找新契机、创建新的发展模式、构建新业态，成为行业可持续发展急切解决的课题。正是基于这样一个大背景，金融与互联网走到了一起，并以惊人速度发展。短短几年时间，传统的金融业态、金融运营模式，乃至金融理念已被互联网技术、互联网思维、互联网运营方式等广泛渗透、融合、更新换代，消费者对金融服务的需求也逐渐从线下转移到了线上，发生深刻变革。 作为现有金融体系的补充，互联网金融为企业、个人提供了全新的金融服务体验的同时，更为其提供了新的融资、理财渠道。但是由于我国信用体系的不健全、法律法规的不完善、监管的缺失等因素，使其在发展过程中的风险问题逐渐暴露显现，风险管控体系、措施的空白已成为行业能否持久健康成长的制约性因素。故此，在积极开展互联网金融各类业务、业态的同时，加强对其风险的管理尤为重要。 本文首先从互联网金融的基础理论出发，对其概念、特点、模式加以分析，使研究主体更加明晰、突出。其次，通过与传统金融业风险的比较，在结合互联网金融业发展状况后，对其目前存在的风险进行分类、剖析，提出进行风险管控的必要性。进而，以P2P网络借贷这一新兴的互联网金融模式为例，深入探究P2P行业的风险及风险管控状况，并对其发展过程中如何优化、建立行之有效的风控体系、风控措施提出若干建议。最后，通过P2P网络借贷风险管理的经验对互联网金融业的整体风险管控问题提出合理化对策及建议。
英文摘要：	In the 21st century, with the popularity of Internet technology and the rapid development of mobile communication technologies, the Internet is fast becoming inseparable from a plethora of fields and industries. In particular, it has become the novel engine of economic development due to booming Internet-based innovations. At present, China’s economic development is in a critical period of changing its dynamics. The financial industry as a pillar of industry in socio-economic development, is also facing the same demand for transformation and revolution. Therefore, seeking possibilities to create new development models and industrial growth become urgent issues to sustainable development of industries that need to be solved. Given this background, finance and Internet united are emerging at an expeditious pace. Within a few years, traditional financial formats, business models, and concepts have been widely permeated, merged, and upgraded by Internet technology, Internet thinking and the way it operates. In addition, consumer demand for financial services is gradually being transferred from the pure line to online, causing profound changes. As a supplement to the the existing financial system, Internet finance provides the enterprises and individuals with a completely new experience and channels for financing and financial management. However, since the current credit system in China is inadequate, with deficient laws and regulation as well as lack of supervision, the risk associated with the rise of Internet banking has slowly exposed. The risk management and control system, and no emergency action has become the crucial restrictive factors that prevent Internet finance from a health growth. Hence, while we actively carry out various types of Internet financial services and formats, it is important to strengthen the mechanism of its risk management. In this paper, we firstly analyzed the concept, characteristics and mode of Internet finance based on the fundamental theories to precisely define our research topic. We next classified and investigated the current risks of Internet finance given its rapid development by comparing them with the traditional financial risks, and proposed the necessity of bringing the risk management and control to fruition. Further, using the P2P lending as an example of emerging Internet financial models, we comprehensively studied the risk and the state of risk management and control of P2P industry, and presented multiple proposals on constructing an effective risk control system and procedure during its development. Finally, we presented some reasonable countermeasures and suggestions targeting the issues of overall risk management and control of Internet finance through our strategic experience of limiting risks in P2P lending.
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