关于互联网金融风险控制的几点思考——以蚂蚁金融为例

互联网金融风险控制的几点思考一以蚂蚁金融为例摘要：当今世界，随着科学技术的日益前行，互联网技术逐渐趋于成熟，其对社会的影响同时也在不断深入，特别是金融行业，互联网技术的渗透程度目前已经达到很深了，并且在不断加深着。那么这种由互联网技术结合传统金融行业衍生出的互联网金融是科学进步及我国金融体制改革的必然结果，同时这场颠覆性的革命是我国金融市场建设的一大里程碑。改革开放以来我国不断的接受并学习外来先进的技术，这也促进了互联网金融在我国的高速发展，给我国人们带来多之又多的好处，也对我国经济的高速发展有着很大的贡献，例如：可以降低市场的交易成本，加强资金的使用性，能够提升市场中资源的配置效率。然而这些好处背后伴随着各种风险严重破坏着金融市场的稳定性，这意味着金融市场内部有着很多的问题，只要导火线一出现，整个金融市场就有可能崩溃，这也对政府政策的制定及金融市场的建设造成了一定的难度。因此，研究互联网金融对我国金融市场的建设及健康成长有着极其重要的作用。本文以蚂蚁金融为例子进行分析，并查阅大量相关文献，对我国互联网金融发展有一个系统性的了解，也发现了过程中存在的问题与缺陷，并就我国互联网金融健康发展提出了建议与对策。关键词：互联网金融：现状；问题及对策Some Thoughts on Risk Control ofInternet Finance--Take Ant Finance as anExampleAbstract:In today's world,with the development of science and technology,Internettechnology is gradually maturing,and its impact on society is also deepening,especially inthe financial industry.The penetration of Internet technology has reached a very deep level,and is deepening.Then this kind of Internet finance derived from the combination of Internettechnology and traditional financial industry is the inevitable result of scientific progress andChina's financial system reform.At the same time,this subversive revolution is a milestone inChina's financial market construction.Since the reform and opening up,China has beenconstantly accepting and learning foreign advanced technologies,which has also promotedthe rapid development of Internet finance in China,brought many benefits to our people,andmade great contributions to the rapid development of our economy.For example,it canreduce the transaction cost of the market,strengthen the use of funds,and improve theefficiency of resource allocation in the market.However,these benefits are accompanied byvarious risks that seriously undermine the stability of the financial market,which means thatthere are many problems in the financial market.As soon as the fuse appears,the entirefinancial market may collapse,which also creates certain difficulties for the formulation ofgovernment policies and the construction of the financial market.Therefore,the study ofInternet finance plays an extremely important role in the construction and healthy growth ofChina's financial market.This paper takes Ant Finance as an example to analyze and consult alarge number of relevant documents.It has a systematic understanding of the development ofInternet finance in China,finds problems and defects in the process,and puts forwardsuggestions and countermeasures for the healthy development of Internet finance in China.Key words:Internet finance;present situation;Problems and countermeasures目录第1章引言…1.1选题依据…1.2选题意义.1.3研究方法和目的…2第2章互联网金融概述.32.1互联网金融32.2互联网金融的特点32.2.1交易成本低32.2.2效率高.42.2.3信息透明化高，减少信息不对称问题…42.2.4风险大….42.3互联网金融对社会的影响.。.52.3.1对商业银行的影响.….52.3.2加速我国普惠金融的进程.52.3.3促进金融行业的转型升级….62.3.4推动金融行业的综合化、专业化，.62.4互联网金融在中国的发展历程.6第3章我国互联网金融发展的现状及趋势.83.1我国互联网金融发展的业务模式及现状83.2我国互联网金融的发展发展过程中的问题.123.2.1市场监管体系不健全，法律法规不完善.123.2.2信用体系建设不健全，行业间信息共享少.133.2.3风险更复杂、难以控制.133.3我国互联网金融发展趋势..133.3.1互联网金融趋向综合化，行业整合趋势加强133.3.2移动互联网将成为互联网金融的发展主流.143.3.3互联网金融将过