互联网消费金融及其风险研究 会计财务管理专业.docxVIP

互联网消费金融及其风险研究 摘 要 摘 要 随着中国的互联网逐渐深入到不同行业的应用当中，其在金融行业的应用范围也逐渐扩大，有关部门对此也对金融业的互联网应用发展投来了目光。但是，互联网消费金融还几乎是一个未经探索的领域，其形成至今经历的时间并不长，市场模式等相对而言规范性较差，在其高速壮大的同时，市场乱象也层出不穷。海内外有很多学者对此进行了调研，发表了看法，但是，对于互联网消费金融的市场风险如何，又该怎样行之有效地降低风险，学界、业界都还没有答案。在此前提之下，对于风险及其防范的调研将会对于业界发展做出不小的贡献。 此文将通过对于海内外已有文献、资料等进行通读，然后针对中国当代互联网消费金融都有着哪些风险、又该如何有效降低这些风险进行相关调研以及论述。在本文的第一部分，对于互联网消费金融到底是什么，又是怎样运营的，将给出简洁明了的定义，除此之外，还将对于其今后的发展，以当前数据等进行预测。之后，重点研究了四种互联网消费金融运营模式以及其存在的风险，风险又该怎样被有效降低，另外，还对于降低风险时可能发生的一些特殊情况以及不足之处进行了论述，并且尝试着形成了书面上的解决方案。 关键词：互联网；消费金融；风险；风险防范 ABSTRACT As Chinas Internet has gradually penetrated into applications in different industries, its application in the financial industry has gradually expanded. The relevant departments have also paid attention to the development of Internet applications in the financial industry. However, Internet consumer finance is still almost an unexplored field. It has not been formed for a long time, and the market model is relatively poorly regulated. As it grows at a high speed, market chaos is also emerging in endlessly. Many scholars at home and abroad have conducted research on this and expressed their opinions. However, the academic circles and the industry still have no answer as to the market risk of Internet consumer finance and how to effectively reduce the risk. Under this premise, the research on risks and their prevention will make a significant contribution to the development of the industry. This article will read through the existing documents and materials at home and abroad, and then conduct related investigations and discussions on the risks of contemporary Internet consumer finance in China and how to effectively reduce these risks. In the first part of this article, I will give a concise and clear definition of what Internet consumer finance is and how it is operated. In addition, it will also predict its future development based on current data. After that, I focused on the four types of Internet consumer finance operation models and their