互联网金融创新业务模式及其风险管理研究
摘 要
近年来，随着互联网技术的发展，互联网金融迅速崛起，并以其高效、普惠的特点受到了社会各界的关注。本文以互联网金融创新业务模式及其风险管理为研究对象，旨在系统探讨互联网金融业务模式的类型与特点以及业务模式创新对风险的影响，最后提出了互联网金融创新业务模式的风险评估、避免、转移和承担策略。文章首先梳理了互联网金融的基本概念、特点以及业务模式类型，同时分析了互联网金融业务模式创新对风险的影响，具体分析了两种互联网金融创新业务模式（即P2P网络借贷和股权众筹）的风险特点及其对各方面的影响。然后提出了针对互联网金融创新业务模式的风险评估、避免、转移和承担策略，包括确定风险承受能力范围、设置合适的风险控制指标、加强透明度和信息披露、建立多元化风险转移体系以及加强风险教育和培训等方面。
关键词：互联网金融、创新业务模式、风险管理
Abstract
In recent years, with the development of Internet technology, Internet finance has risen rapidly and attracted the attention of all sectors of society for its high efficiency and inclusive features. Taking Internet financial innovation business model and its risk management as the research ob ject, this paper aims to systematically discuss the types and characteristics of Internet financial business model and the impact of business model innovation on risk, and finally puts forward the risk assessment, avoidance, transfer and bearing strategies of Internet financial innovation business model. This paper firstly combs the basic concept, characteristics and business model types of Internet finance, analyzes the impact of Internet finance business model innovation on risk, and specifically analyzes the risk characteristics of two Internet finance innovation business models (namely P2P online lending and equity-based crowdfunding) and their impact on all aspects. Then, it puts forward risk assessment, avoidance, transfer and bearing strategies for the innovative business model of Internet finance, including determining the scope of risk tolerance, setting up appropriate risk control indicators, strengthening transparency and information disclosure, establishing a diversified risk transfer system, and strengthening risk education and training.
Keyword:Internet finance, innovative business models, risk management
目 录
1.绪论 1
1.1 研究背景与意义 1
1.2 国内内外研究现状 1
1.3 研究目标与内容 1
2.理论基础 2
2.1 互联网金融概念与特点 2
2.2 互联网金融业务模式 2
2.3 互联网金融风险管理理论 2
3.互联网金融业务模式创新对风险的影响 4
3.1 业务模式创新对信用风险的影响 4
3.2 业务模式创新对市场风险的影响 4
3.3 业务模式创新对操作风险的影响 5
4.互联网金融创新业务模式的风险避免策略 6
4.1 风险规避策略 6
4.2 风险转移策略 6
4.3 风险应对策略 6
5.结论 8
参考文献 9
致 谢 10
摘 要
近年来，随着互联网技术的发展，互联网金融迅速崛起，并以其高效、普惠的特点受到了社会各界的关注。本文以互联网金融创新业务模式及其风险管理为研究对象，旨在系统探讨互联网金融业务模式的类型与特点以及业务模式创新对风险的影响，最后提出了互联网金融创新业务模式的风险评估、避免、转移和承担策略。文章首先梳理了互联网金融的基本概念、特点以及业务模式类型，同时分析了互联网金融业务模式创新对风险的影响，具体分析了两种互联网金融创新业务模式（即P2P网络借贷和股权众筹）的风险特点及其对各方面的影响。然后提出了针对互联网金融创新业务模式的风险评估、避免、转移和承担策略，包括确定风险承受能力范围、设置合适的风险控制指标、加强透明度和信息披露、建立多元化风险转移体系以及加强风险教育和培训等方面。
关键词：互联网金融、创新业务模式、风险管理
Abstract
In recent years, with the development of Internet technology, Internet finance has risen rapidly and attracted the attention of all sectors of society for its high efficiency and inclusive features. Taking Internet financial innovation business model and its risk management as the research ob ject, this paper aims to systematically discuss the types and characteristics of Internet financial business model and the impact of business model innovation on risk, and finally puts forward the risk assessment, avoidance, transfer and bearing strategies of Internet financial innovation business model. This paper firstly combs the basic concept, characteristics and business model types of Internet finance, analyzes the impact of Internet finance business model innovation on risk, and specifically analyzes the risk characteristics of two Internet finance innovation business models (namely P2P online lending and equity-based crowdfunding) and their impact on all aspects. Then, it puts forward risk assessment, avoidance, transfer and bearing strategies for the innovative business model of Internet finance, including determining the scope of risk tolerance, setting up appropriate risk control indicators, strengthening transparency and information disclosure, establishing a diversified risk transfer system, and strengthening risk education and training.
Keyword:Internet finance, innovative business models, risk management
目 录
1.绪论 1
1.1 研究背景与意义 1
1.2 国内内外研究现状 1
1.3 研究目标与内容 1
2.理论基础 2
2.1 互联网金融概念与特点 2
2.2 互联网金融业务模式 2
2.3 互联网金融风险管理理论 2
3.互联网金融业务模式创新对风险的影响 4
3.1 业务模式创新对信用风险的影响 4
3.2 业务模式创新对市场风险的影响 4
3.3 业务模式创新对操作风险的影响 5
4.互联网金融创新业务模式的风险避免策略 6
4.1 风险规避策略 6
4.2 风险转移策略 6
4.3 风险应对策略 6
5.结论 8
参考文献 9
致 谢 10
