摘要
互联网金融是金融与网络科技全面结合的成果，是互联网时代正在酝酿的新生态金融。
在即时网络的基础上，同时在线且规模庞大的网民产生海量数据，造就“大数据”时代的来临。互联网金融将不同社交网络中产生的网上交易数据进行整合，通过对客户资信的研判，并以电子支付的方式完成信用消费、贷户 减的同时，享受金融服务。与传统金融相比，互联网金融所开展的业务所采用媒介不同，相比传统金融业有着更高的透明度、更强的协作性和更便利的操作性。大量经济数据表明，互联网金融发展前景广阔。然而，由于一个人可以在网络中扮演不同的身份，这使得网络安全对互联网金融提出了严峻考验，并在较大程度上加剧了风险，这包括操作风险、市场选择风险、业务风险和网络与信息安全等风险。
有风险就需要进行规制，本文以阿里小贷金融为案例介绍阿里小贷金融的发展历程、阿里小贷金融的运营模式、阿里小贷金融的经营特点、风控模式。在此基础上深入分析阿里小贷金融经营存在的风险，并结合我国互联网金融市场的实际情况，在发挥市场作用、完善监管模式等维度提出风险管理方法，从政府层面应该加大政策扶持力度、成立互联网金融监管机构、完善互联网金融法律保障和尽快建立互联网金融的行业组织；从互联网金融机构层面建立好的信誉度，加大互联网金融客户对产品的信任度，重视技术研发，提高网络平台的安全性等；从用户层面应该积极参与政府就互联网金融的用户而举办的活动，借此来增强自己预防和降低风险的意识和实力。本文提供的风险管理方法，在一定程度上能够为国内互联网金融的风险管理提供参考。
关键词 量阿里小贷，互联网金融，金融风险，风险控制
Abstract
The Internet finance is a fully integrated achievement of finance and Internet technology. Onthe basis of real-time network, large-scale concurrent users generate massive amounts of datawhich create the advent of “big data” era. The Internet finance integrate online trading datagenerated in different social networksthrough customer credit judgmentsand by way of electronicpayment completed consumer credit lending practices, loans, etc., so that people can deal withvarious issues while enjoying the financial services. Compared with traditional banking,internetbanking operations carried out by using different media. Internet finance is much moretransparent, more collaborative and more convenient if compared to the traditional financialsector. A lot of economic data showed broad prospects for development of Internet banking.
However, since a person can play different identities in the network, which makes networksecurity for the Internet finance poses a severe test, and exacerbated by a greater degree of risk,including operational risk, market risk and other business risks, network and information securityrisks.
Measures should be taken to deal with Internet financial management cased on Alibaba“Micro-credit”risk Management. This paper introduces the case of financial Ali Micro-credit andanalyzes its development,business model and financial risk control mode. On the basis of in-depth analysis of risks of Ali “Micro-credit” of financial management and combined with theactual situation of the Internet financial market of our country, this paper puts forwards somesuggestions from three aspects of government, “Micro-credit” and users to improve the mode ofsupervision and proposes risk management methods. The government should support internetfinancial with more policies, establish internet financial regulatory institutions and improve thelegal protection of Internet financial. The Internet finance institutions of Alibaba “Micro-credit”should establish good reputation, increase the Internet banking customers trust in the products,pay attention to technology development and improve the network platform security as soon aspossible. The users should actively participate in the activities held by administration of Internetbankingto enhance their prevention and risk reduction awareness and strength. The methods ofrisk management provided in this paper can provide the reference for the domestic Internetfinancial risk management in a certain extent.
Keywords: Ali Micro-credit,Internet finance,financial risk,risk control
目录
摘要
ABSTRACT
第一部分案例介绍
1.1 引言
1.2 互联网金融的产生与发展
1.2.1 互联网金融的定义
1.2.2 互联网金融发展的环境
1.2.3 互联网金融产生和发展的原因
1.3 阿里巴巴金融案例介绍
1.3.1 阿里金融的发展历程
1.3.2 阿里金融的运营模式
1.3.3 阿里金融的经营特点
1.3.4 阿里巴巴金融风控模式
第二部分案例分析
2.1 案例分析的目的意义、基本思路与创新之处
2.1.1 研究目的
2.1.2 研究意义
2.1.3 基本研究思路
2.1.4 研究方法和创新之处
2.2 互联网金融文献综述
2.2.1 国内研究现状
2.2.2 国外研究现状
2.2.3 互联网金融的理论基础
2.3 互联网金融运营模式及优势
2.3.1 互联网金融运营模式
2.3.2 互联网金融与传统金融的对比
2.4 阿里金融经营存在的风险分析
2.4.1 阿里小贷市场风险
2.4.2 阿里小贷模式风险
2.4.3 阿里小贷经营风险
2.4.4 阿里小贷信息安全风险
2.5 互联网金融风险管理的建议
2.5.1 政府层面
2.5.2 互联网金融机构层面
2.5.3 用户层面
2.6 结论
参考文献
致谢
