大数据背景下互联网金融存在的风险及对策研究----以余额宝为例-毕业论文.docVIP

大数据背景下互联网金融存在的风险及对策研究----以余额宝为例 摘要 随着大数据技术和人工智能化的应用，促进互联网金融的快速的发展。作为较早发展的金融业务，其中就是互联网金融的发展规模一直快速的增长，其渗透到其他业务，并且融合了其他业务的特点。与传统金融业一样，互联网金融带来效用的同时也存在阻碍金融市场发展的风险。面对我国金融新常态的变化，大数据背景下互联网金融为金融市场跨领域发展带来了发展的方向，互联网金融企业通过传统金融业积累的数据信息，可以在大数据技术和云计算技术的基础下进行发掘潜在的投资客户，提供线上线下完整的产品服务。但是，高收益的金融产品背后也暴露风险，如何应对金融风险应该注重两方面，其中，一方面立足于互联网金融的特点，另一方面统筹全局看金融体系结构。 本文主要研究大数据背景下互联网金融风险存在风险的问题。结合学者提出互联网金融的定义、存在的问题和防范措施，整理得到适合目前互联网金融业发展的应对风险的建议。本文先介绍互联网金融的定义，延伸了解互联网金融风险，并且在互联网金融发展的现状、产生矛盾的问题与影响作为切入点，通过余额宝金融风险作为案例分析得到存在的金融风险的因素，运用SWOT分析法从余额宝的发展优势、劣势与大数据背景下余额宝带来的机遇、威胁两个大方面分析，得出应对风险的措施。 笔者认为，互联网金融风险作为消费金融出现，在带来好处的同时也伴随影响金融市场的发展的坏处值得我们深入了解。我国互联网金融市场目前对投资者准入门槛低，监管体系并不完善，从风险防范的角度上看，明确互联网金融监管体系，完善法律制度，对于监管互联网金融市场和促进互联网金融健康发展有重大的意义。 关键词：互联网金融；余额宝；SWOT分析法；防范措施 ABSTRACT With the application of big data technology and artificial intelligence, it promotes the rapid development of Internet finance. As an early developed financial business, the development scale of Internet finance has been growing rapidly, which penetrates into other businesses and integrates the characteristics of other businesses. Like the traditional financial industry, Internet finance brings benefits, but it also has the risk of hindering the development of the financial market. In the face of the changes in the new normal of Chinas finance, under the background of big data, Internet finance has brought the development direction for the cross field development of financial market. The data information accumulated by internet financial enterprises through traditional financial industry can explore potential investment customers on the basis of big data technology and cloud computing technology, and provide online and offline complete product services. However, risks are also exposed behind high-yield financial products. How to deal with financial risks should pay attention to two aspects, one is based on the characteristics of Internet finance, the other is to look at the overall financial system structure. This paper mainly studies the ri