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论文编号：	9613
作者编号：	2120152577
上传时间：	2017/12/7 20:59:21
中文题目：	互联网金融中大数据风控的应用研究
英文题目：	Research on the Application of Big Data Risk Control in Internet Finance
指导老师：	李亚
中文关键字：	互联网金融，大数据，风险管控
英文关键字：	Internet finance，Big data，Risk control
中文摘要：	互联网金融依托于网络信息平台之上，是互联网和金融相结合的产物。在互联网信息技术发展速度不断提升的前提下，一大批先进的互联网技术，大大推动了传统金融行业业务的发展，给我国的金融创新补充了新鲜血液，大大缓解了当前金融的困境状态，为我国金融的可持续发展指出了一条新的出路。但是，发展过程中也出现了很多问题，原来适合传统金融的监管方式已经不适合互联网金融的监管需求。互联网金融具有两面性，引起人们关注的原因，不仅是因为它给金融服务带来便利和效率，还因为担忧其风险安全性。互联网金融隶属于金融，而金融的关键是风险管理与控制，因此如何合理恰当地管理互联网金融风险控制成为人们讨论的热门话题。当今时代是一个大数据蓬勃发展彰显优势的时代，对于互联网金融来说，大数据能够挖掘市场需求、分析竞争战略、改善风险控制方式，这些都利于开发与推广金融产品服务。本文通过对互联网金融、大数据理论以及风险控制三者的内在联系的剖析，以大数据应用于互联网金融风险控制为独特视角，选取以平安陆金所为例进行实际案例分析，通过分析大数据风控的数据要素，以及大数据风控在网络借贷方面的具体操作流程，全面透彻地认识大数据风控，以此为传统金融和其他互联网金融模式的风险管理控制体制的完善与改进加以借鉴，从而对未来的互联网金融的发展做出展望。
英文摘要：	Internet finance relies on the network information platform,which is the product of the combination of Internet and finance. In the Internet information technology development speed rising under the premise of a large number of advanced Internet technology, greatly promoted the development of traditional financial industry business, to our financial innovation to add fresh blood, greatly easing the current state of financial difficulties, for our country The sustainable development of finance points to a new way out. However, in the process of Internet development, all kinds of risks are constantly exposed, the traditional banking, insurance and securities industry supervision methods are not suitable for Internet financial regulatory requirements. Internet finance has two sides, the cause of concern, not only because it brings convenience and efficiency to financial services, but also because of concerns about its risk of security. The essence of Internet finance is finance, and the core of finance is risk management and control, so how to properly manage Internet financial risk control becomes the focus of attention. Today's era is an era in which large data flourishes to demonstrate superiority. For Internet finance, large data provides new channels for financial products and financial services from customer needs, market transparency and risk control. In this paper, through the analysis of the internal links of internet finance, large data theory and risk control, this paper uses the large data to be applied to the Internet financial risk control as the unique perspective, and chooses the case of Ping An Lu Jin for example in the form of actual case analysis, to analyze large data risk control data elements, and large data risk control in the network lending aspects of the specific operational processes, a comprehensive and thorough understanding of large data risk control， so as to make reference to the improvement and improvement of the risk management and control system of traditional financial and other Internet financial models, so as to make a prospect for the future development of Internet finance.
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