论文总字数：19964字

摘 要

随着数字科技的快速发展，人类正在迈入数字金融时代。数字金融依托大数据、云计算、人工智能、移动通信的高速发展，使传统金融焕发了新的生机，使得金融业的广度和深度得到了拓展，金融业与其他行业的交互更加频繁，也为国家倡导的普惠金融的推广创造了可能性。但由于数字金融发展与社会监管体制发展速度不一致，而导致的相关法律法规制度不健全、监管方式不科学、社会征信体系不完善、公众的金融道德意识的缺失，使得在数字金融领域频繁出现诚信缺失、信息共享受阻、无法维权、可持续发展受到限制等后果。

本文以数字金融的各类风险为主要研究对象首先对数字金融的发展现状进行总体概括，表明研究背景。随后对一些国内外学者的最新理论进行综合阐述，大体上叙述了数字金融当前存在的大多数风险。在第二章内，具体分析了数字金融的自身内涵、发展过程以及当前发展状况，为后文对风险及成因的阐述提供理论支持。第三章内，本文主要分析技术风险、监管风险、信用风险、系统性风险、流动性风险这五种风险的具体定义以及产生的成因。最后，在总结前文所阐述的风险成因和国外优秀经验的基础上，从健全法律法规体系、监管主体、民众素质以及沙盒机制的引进四大角度，提出对防范数字金融风险的建议。

关键词：数字金融 发展现状 风险分类 沙盒机制

Digital Financial Risk Management Research

Abstract

With the rapid development of digital technology, human beings are entering the digital financial era. Digital finance relies on the rapid development of big data, cloud computing, artificial intelligence, and mobile communications, which has revitalized traditional finance, which has expanded the breadth and depth of the financial industry.The promotion of inclusive finance advocated by the state has created possibilities. However, due to the inconsistent development speed of digital finance and social supervision system, the related laws and regulations are not perfect, the supervision method is not scientific, the social credit system is imperfect, and the public financial ethics is lacking, which makes it appear frequently in the digital finance field. The lack of integrity, the inability to safeguard rights, and the limits of sustainable development.This paper takes the various risks of digital finance as the main research object, firstly summarizes the development status of digital finance, and shows the research background. Later, the latest theories of some domestic and foreign scholars are comprehensively expounded, which generally describes most of the risks currently existing in digital finance. In the second chapter, the paper analyzes the self-connotation, development process and current development of digital finance, and provides theoretical support for the following explanations of risks and causes. In the third chapter, this paper mainly analyzes the specific definitions of the five risks of technical risk, regulatory risk, credit risk, systemic risk and liquidity risk and the causes of the occurrence. Finally, on the basis of summarizing the causes of risk and foreign excellent experience described in the previous article, from the four aspects of perfecting the laws and regulations system, the main body of supervision, the quality of the people and the introduction of the sandbox mechanism, suggestions for preventing digital risks are put forward.

Key word:Digital finance; development status; risk classification; sandbox mechanism.

目录

摘要 I

Abstract II

第一章 引言 1

1.1选题背景 1

1.2研究主题、意义 2

1.3 研究方法和思路 2

1.3.1研究方法 2

1.3.2研究思路 3

1.4存在的不足 4

第二章 文献综述 5

2.1 数字金融的本质 5

2.2 数字金融国内外研究现状 5

2.2.1 监管风险 5

2.2.2 信用风险 5

2.2.3技术风险 6

2.2.4系统性风险 6

2.2.5整体经济发展环境造成的隐形风险 6

2.3 数字金融风险管理研究的发展趋势和展望 6

第三章 数字金融概述 8

3.1数字金融内涵 8

3.2 数字金融的兴起与发展 8

3.3数字金融发展现状 9

3.3.1数字经济对GDP的贡献 9

3.3.2数字金融的应用模式 10

3.3.3分布结构 11

3.3.4国家间的横向对比 11

3.3.4 传统监管方式与新型金融形式之间的矛盾 12

3.3.5 缺乏理论指导 12

3.3.6 民众金融素质参差不齐 12

第四章 数字金融风险类型及成因 13

4.1技术风险 13

4.2监管风险 14

4.3信用风险 15

4.4系统性风险 16

4.5流动性风险 16

第五章 数字金融风险管理建议 18

5.1 健全监管体系 18

5.1.1法律法规 18

5.1.2政府监管 18

5.2提高民众金融素养 19

5.3提高信息透明度 20

5.4引进沙盒机制 21

第六章 结论与展望 23

6.1结论 23

6.2展望 23

参考文献 25

致谢 27

第一章 引言

1.1选题背景

当前，数字技术不断发展，大数据、云计算和人工智能渗透到各行各业，与传统行业相互作用，优化原有产业结构，甚至出现新的行业。而其中数字技术与金融行业的结合最为瞩目，金融行业的特质，使之对信息的数量、质量都有较高的要求，数字技术很好的弥补了传统金融行业信息不足、时效性差等缺点。

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