论文总字数：20803字

摘 要

互联网金融的快速发展冲击着传统银行业，保持健康的经营状况，有效控制经营风险是商业银行维持自身竞争优势的重要支撑力量。互联网金融起源于2013年网络信息变革，是一种采用现代信息技术手段、以网络为媒介的新型金融模式，保持着良好的发展态势，未来也将与传统金融更好融合。在此背景下，商业银行出现了许多新型经营风险。主要表现为线上授信加剧了信用风险，不良的网络贷款让资本风险提高，第三方支付以及移动操作平台放大了操作风险和流动性风险等。对经营风险进行成因分析后发现，由于研发新型金融产品周期较长、信息技术落后、操作机制有待完善和行业经营理念等多种因素共同作用，商业银行经营风险逐步形成。为此，可通过营造全社会良好信用氛围、加大对防范互联网金融风险技术投入、重视互联网人才队伍建设等途径积极应对。

近年来，工商银行加快新技术研究应用，组建“科技金融创新实验室”、全面布局金融科技各前沿领域，积极利用新技术手段提升业务风险防控能力，借互联网金融之东风实现自身转型升级是各大商业银行技术创新的典范。本文以此为例，探索互联网金融背景下商业银行的成长之路。

关键词：互联网金融；商业银行；经营风险；应对措施

Commercial Finance and Anti-Disruptive Measures under Reciprocal Financial Background-Case Study

Abstract

The rapid development of Internet finance has impacted the traditional banking industry. Maintaining healthy business conditions and effectively controlling business risks are important supporting forces for commercial banks to maintain their competitive advantages. Internet finance originated from the network information revolution in 2013. It is a new financial model that adopts modern information technology and network as the medium. It maintains a good development trend and will integrate with traditional finance in the future. In this context, commercial banks have seen many new business risks. The main performance is that online credit has increased credit risk, bad online loans have increased capital risk, and third-party payment and mobile operating platforms have amplified operational risks and liquidity risks. After analyzing the causes of operational risks, it was found that commercial banks' business risks gradually formed due to the combination of factors such as long cycle of research and development of new financial products, backward information technology, operational mechanism and industry management concepts. To this end, we can actively respond by creating a good credit atmosphere for the whole society, increasing investment in technology for preventing Internet financial risks, and attaching importance to the construction of the Internet talent team.

In recent years, ICBC has accelerated the research and application of new technologies, established the “Technology Finance Innovation Lab”, comprehensively laid out all frontier areas of financial technology, actively utilized new technology to enhance business risk prevention and control capabilities, and realized the transformation and upgrading of Internet finance. A model for technological innovation in major commercial banks. This article takes this as an example to explore the growth path of commercial banks in the context of Internet finance.

Keywords: internet finance; commercial bank; operational risk; countermeasure

目录

摘 要 I

Abstract II

第一章 绪 论 1

1.1 研究背景和意义 1

1.2 研究的目的和思路 1

1.3研究方法和研究内容 3

1.4反思 3

第二章 相关文献综述 4

2.1 互联网金融现状 4

2.2 互联网金融监管基本策略 4

2.3 金融业未来发展方向 5

第三章 互联网金融发展过程及对商业银行经营风险影响 6

3.1互联网金融发展过程 6

3.1.1 互联网金融定义 6

3.1.2 互联网金融发展现状 6

3.2 互联网金融对商业银行的影响 8

3.3商业银行经营风险 8

3.3.1. 资本风险 9

3.3.2利率风险 10

3.3.3信用风险 10

3.3.4操作风险 10

3.3.5流动性风险 12

第四章 互联网金融背景下商业银行经营风险成因分析及应对措施 13

4.1商业银行经营风险的成因分析 13

4.1.1创新因素 13

4.1.2技术因素 13

4.1.3 制度因素 13

4.1.4意识因素 13

4.1.5人才因素 14

4.3可采取的防范措施 14

4.3.1营造全社会良好信用氛围 14

4.3.2重视人才队伍建设 14

4.3.3加强互联网金融技术防范成本 15

4.3.4正确看待网络安全和经营收益的关系 15

第五章 工商银行经营风险分析与小结 16

5.1工商银行主要财务指标分析 16

5.2互联网金融背景下工商银行经营风险管理 16

5.2.1贷款授信风险 16

5.2.2操作风险管理 17

5.2.3信用风险管理 18

5.2.4流动性风险管理 19

结 论 20

参考文献(References) 21

第一章 绪 论

1.1 研究背景和意义

2013年以来,世界范围内各种各样的网络金融服务产品不断上市,基本形式为“互联网 传统金融”。其中快速占领新型互联网理财产品市场的，莫过于“余额宝”。2017年余额宝用户已有4.74亿人之多，绝大部分是个人理财用户，人均投入约3330元。

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