本文關(guān)鍵詞：互聯(lián)網(wǎng)金融背景下GS銀行財(cái)務(wù)風(fēng)險(xiǎn)管理研究　出處：《青島大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

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【摘要】：互聯(lián)網(wǎng)金融對(duì)傳統(tǒng)商業(yè)銀行的發(fā)展產(chǎn)生了巨大的沖擊,同時(shí)也帶來了更多的市場機(jī)會(huì),傳統(tǒng)商業(yè)銀行也在不斷探索和試水互聯(lián)網(wǎng)金融之路,以跟上時(shí)代的步伐,開拓更大的市場,避免被市場所淘汰。但同時(shí),互聯(lián)網(wǎng)金融一方面帶來更多的市場機(jī)會(huì),互聯(lián)網(wǎng)所包含的一些風(fēng)險(xiǎn),比如風(fēng)險(xiǎn)的快速復(fù)制性、各類互聯(lián)網(wǎng)病毒或木馬等,也使得互聯(lián)網(wǎng)金融背景下的商業(yè)銀行面臨更大的財(cái)務(wù)風(fēng)險(xiǎn),商業(yè)銀行如何在擁抱互聯(lián)網(wǎng)金融時(shí)代的同時(shí),加強(qiáng)財(cái)務(wù)風(fēng)險(xiǎn)管理水平,是商業(yè)銀行面臨的重大課題。本文以GS銀行為研究對(duì)象,提出其在互聯(lián)網(wǎng)金融背景下的財(cái)務(wù)風(fēng)險(xiǎn)管理措施。本文首先對(duì)本文的研究背景、意義、國內(nèi)外研究現(xiàn)狀做出梳理和評(píng)價(jià),提出了本文的研究思路與方法,并對(duì)相關(guān)理論進(jìn)行了歸納和總結(jié),為本文之后的研究提供理論指導(dǎo)。本文通過對(duì)互聯(lián)網(wǎng)金融背景下GS銀行財(cái)務(wù)風(fēng)險(xiǎn)的管理現(xiàn)狀進(jìn)行了分析,對(duì)GS銀行在互聯(lián)網(wǎng)金融形勢(shì)下的基本情況進(jìn)行了研究,并提出了GS銀行在互聯(lián)網(wǎng)金融背景下的財(cái)務(wù)風(fēng)險(xiǎn)管理存在的問題,包括財(cái)務(wù)風(fēng)險(xiǎn)監(jiān)控手段不完善、財(cái)務(wù)風(fēng)險(xiǎn)組織保障不足、財(cái)務(wù)風(fēng)險(xiǎn)管理水平和方法比較落后等。同時(shí),本文對(duì)國內(nèi)外優(yōu)秀商業(yè)銀行的風(fēng)險(xiǎn)管理經(jīng)驗(yàn)進(jìn)行歸納和評(píng)價(jià),包括美國安全第一網(wǎng)絡(luò)銀行、新加坡星展銀行、招商銀行網(wǎng)上銀行的經(jīng)驗(yàn)和教訓(xùn),為GS銀行進(jìn)行財(cái)務(wù)風(fēng)險(xiǎn)管理提供借鑒。在此基礎(chǔ)上,本文提出了互聯(lián)網(wǎng)金融背景下GS銀行財(cái)務(wù)風(fēng)險(xiǎn)管理的對(duì)策和建議,包括GS銀行應(yīng)加強(qiáng)對(duì)財(cái)務(wù)指標(biāo)的監(jiān)控和管理,完善財(cái)務(wù)風(fēng)險(xiǎn)的組織管理,完善信息化體系建設(shè),并以GS銀行安徽省市場的房地產(chǎn)業(yè)務(wù)為例,提出GS銀行要基于大數(shù)據(jù)完善行業(yè)信息監(jiān)測體系,加強(qiáng)同業(yè)間的數(shù)據(jù)與信息共享力度,基于信息化加大區(qū)域市場的精細(xì)化管理。
[Abstract]:Internet finance has a great impact on the development of traditional commercial banks, but also brings more market opportunities. Traditional commercial banks are constantly exploring and testing the road of Internet finance to keep up with the pace of the times. But at the same time, Internet finance brings more market opportunities, some risks involved in the Internet, such as the rapid replication of risks. All kinds of Internet viruses or Trojan horses also make commercial banks facing greater financial risks under the background of Internet finance. How to strengthen the level of financial risk management while embracing the era of Internet finance. This paper takes GS Bank as the research object, and puts forward the financial risk management measures under the background of Internet finance. Firstly, this paper studies the background and significance of this paper. The research status at home and abroad is combed and evaluated, the research ideas and methods of this paper are put forward, and the relevant theories are summarized and summarized. This paper analyzes the current situation of GS bank financial risk management under the background of Internet finance. This paper studies the basic situation of GS Bank in the Internet financial situation, and puts forward the problems in the financial risk management of GS Bank under the background of Internet Finance, including the imperfect means of financial risk monitoring. The financial risk organization security is insufficient, the financial risk management level and the method are relatively backward and so on. At the same time, this article summarizes and evaluates the domestic and foreign excellent commercial bank risk management experience. Including the US security first network bank, Singapore DBS Bank, China Merchants Bank online banking experience and lessons for GS Bank to carry out financial risk management. On this basis. This paper puts forward the countermeasures and suggestions of GS bank's financial risk management under the background of Internet finance, including that GS bank should strengthen the monitoring and management of financial index and perfect the organization and management of financial risk. Improve the construction of information system, and take the real estate business of GS Bank in Anhui Province as an example, put forward that GS Bank should improve the industry information monitoring system based on big data, strengthen the strength of data and information sharing among the same industry. Based on information technology to increase the fine management of the regional market.
【學(xué)位授予單位】：青島大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F724.6;F832.3;F830.42

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