褚学华-论互联网金融风险防范与监管的分析.docx

本科论文本科论文摘要目前，互联网金融依托于自身开放、快捷且高效等自身优势，提高了传统金融的融资利用效率，优化了市场经济的业务运营模式，互联网金融与经济产业的不断融合，使其得以快速发展。但在互联网金融持续爆发性扩张的同时，隐藏的巨大风险逐步显露出来。现阶段对于互联网金融风险的分析已成为防范化解互联网金融风险、净化互联网金融环境的关键所在。本文基于互联网金融风险的分析及监管现状，从监管制度建设、风控预警机制、法律法规体系、社会信用建设、市场准入退出机制五方面提出防范与监管金融风险的对策建议。关键字：互联网金融，风险分析，风险防范监管AbstractAtpresent,relyingonitsownadvantagessuchasopenness,speedandefficiency,Internetfinancehasimprovedtheefficiencyoffinancingutilizationoftraditionalfinance,optimizedthebusinessoperationmodelofmarketeconomy,andenabledittodeveloprapidly.However,withthecontinuousexplosiveexpansionofInternetfinance,thehiddengreatrisksgraduallyemerge.Atpresent,theanalysisofInternetfinancialriskshasbecomethekeytopreventingandresolvingInternetfinancialrisksandpurifyingtheInternetfinancialenvironment.BasedontheanalysisandsupervisionstatusofInternetfinancialrisks,thispaperputsforwardcountermeasuresandSuggestionsonpreventingandsupervisingfinancialrisksfromfiveaspects:supervisionsystemconstruction,riskcontrolandearlywarningmechanism,legalandregulatorysystem,socialcreditconstructionandmarketaccessandexitmechanism.Keywords:Internetfinance,Riskanalysis,Riskpreventionregulation目录TOC\o"1-3"\h\z\uHYPERLINK\l"_Toc3129"摘要PAGEREF_Toc3129IHYPERLINK\l"_Toc30082"AbstractPAGEREF_Toc30082IIHYPERLINK\l"_Toc27498"前言PAGEREF_Toc274981HYPERLINK\l"_Toc12502"1.绪论PAGEREF_Toc125022HYPERLINK\l"_Toc30170"1.1研究背景PAGEREF_Toc301702HYPERLINK\l"_Toc1769"1.2研究意义PAGEREF_Toc17692HYPERLINK\l"_Toc5021"1.3文献综述PAGEREF_Toc50212HYPERLINK\l"_Toc19789"2.互联网金融的相关知识理论PAGEREF_Toc197894HYPERLINK\l"_Toc25223"2.1互联网金融概念与特点PAGEREF_Toc252234HYPERLINK\l"_Toc30441"2.1.1互联网金融概念PAGEREF_Toc304414HYPERLINK\l"_Toc11455"2.1.2互联网金融特点PAGEREF_Toc114554HYPERLI