發(fā)布時(shí)間：2018-03-25 06:06

  本文選題：互聯(lián)網(wǎng)金融　切入點(diǎn)：風(fēng)險(xiǎn)傳導(dǎo)機(jī)制　出處：《北方工業(yè)大學(xué)》2017年碩士論文

【摘要】：近年來,第三方支付等互聯(lián)網(wǎng)金融發(fā)展迅速,在模式和技術(shù)上不斷創(chuàng)新,成為當(dāng)今各界的熱門關(guān)注點(diǎn)。政府工作報(bào)告多次提及互聯(lián)網(wǎng)金融,可見互聯(lián)網(wǎng)金融的地位和影響正不斷擴(kuò)大。本文通過文獻(xiàn)綜述,梳理出互聯(lián)網(wǎng)金融風(fēng)險(xiǎn)傳導(dǎo)機(jī)制及監(jiān)管問題的研究思路。首先,本文采用資本互動(dòng)機(jī)制,從資金流向和流量角度,對(duì)傳統(tǒng)金融和互聯(lián)網(wǎng)金融的潛在風(fēng)險(xiǎn)及傳導(dǎo)路徑進(jìn)行研究,構(gòu)建風(fēng)險(xiǎn)傳導(dǎo)機(jī)制。對(duì)于互聯(lián)網(wǎng)金融,又從整體和各模式角度進(jìn)行了具體分析。其次,本文從防止風(fēng)險(xiǎn)發(fā)生和防止風(fēng)險(xiǎn)傳導(dǎo)兩個(gè)維度,對(duì)互聯(lián)網(wǎng)金融監(jiān)管問題進(jìn)行研究,防止風(fēng)險(xiǎn)發(fā)生維度,采用功能監(jiān)管的概念,即行為監(jiān)管、審慎監(jiān)管和消費(fèi)者保護(hù)。行為監(jiān)管構(gòu)建了監(jiān)管部門和互聯(lián)網(wǎng)金融企業(yè)的演化動(dòng)態(tài)博弈,認(rèn)為加大依法創(chuàng)新的收益、加大懲罰力度是監(jiān)管部門應(yīng)采取的合理選擇,監(jiān)管部門可根據(jù)動(dòng)態(tài)演化相位圖,結(jié)合具體情況動(dòng)態(tài)地調(diào)整策略,對(duì)創(chuàng)新激勵(lì)與違規(guī)懲罰設(shè)定合理的額度。審慎監(jiān)管重點(diǎn)關(guān)注風(fēng)險(xiǎn)監(jiān)察,構(gòu)建了一套風(fēng)險(xiǎn)防控引擎。防止風(fēng)險(xiǎn)傳導(dǎo)維度,結(jié)合傳導(dǎo)機(jī)制,就各個(gè)路徑給出合理監(jiān)管建議,如建立信息共享機(jī)制、成立風(fēng)險(xiǎn)應(yīng)急基金、交易數(shù)據(jù)備案、單一銀行托管等。最后,本文列舉了京東金融風(fēng)控體系和e租寶事件兩個(gè)案例,證明風(fēng)險(xiǎn)防控引擎和風(fēng)險(xiǎn)傳導(dǎo)機(jī)制及監(jiān)管措施的合理性。
[Abstract]:In recent years, Internet finance, such as third-party payment, has developed rapidly, and has been constantly innovating in mode and technology, which has become a hot concern of all circles. The government work report has mentioned Internet finance many times. It is obvious that the status and influence of Internet finance is expanding. Through literature review, this paper combs out the research ideas of Internet financial risk transmission mechanism and supervision. First, this paper adopts the mechanism of capital interaction. From the angle of capital flow and flow, this paper studies the potential risks and transmission paths of traditional finance and Internet finance, and constructs the risk transmission mechanism. From the two dimensions of preventing risk from occurring and preventing risk transmission, this paper studies the problem of Internet financial supervision, and adopts the concept of functional supervision, that is, behavioral supervision, to prevent the occurrence of risk. Prudential supervision and consumer protection. The behavior supervision has constructed the evolutionary dynamic game between the supervision department and the Internet financial enterprise. It is considered that the reasonable choice should be taken by the supervision department to increase the profit of innovation according to law and the intensity of punishment. According to the dynamic evolution phase diagram, the regulatory department can dynamically adjust the strategy according to the specific situation, and set a reasonable amount of innovation incentive and penalty for violation. Prudential supervision focuses on risk supervision. A set of risk prevention and control engine is constructed. The dimension of preventing risk transmission, combined with transmission mechanism, gives reasonable supervision suggestions on each path, such as establishing information sharing mechanism, setting up risk emergency fund, recording transaction data. Finally, this paper enumerates two cases of JingDong's financial risk control system and e-zubo event, which proves the rationality of risk prevention and control engine, risk transmission mechanism and supervision measures.
【學(xué)位授予單位】：北方工業(yè)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F724.6;F832.1

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本文編號(hào)：1661855