摘 要

在互联网快速发展的基础下,数字金融迅速发展并成为金融行业的新焦点。数字金融凭借其低成本，高覆盖率推动着我国消费金融的发展。在提升资金配置效率、支持创新以及促进普惠金融,改善社会平等,缩小贫富差距方面数字金融发挥着不可替代的作用。通过对数字金融产业风险进行研究发现,相对于发展迅猛的数字化金融进程，数字金融风险防控还处于探索阶段。我国数字金融的风险管理并非十分成熟,并且管控风险的力度不够,这严重影响着我国数字金融的发展。

为此本文以我国数字金融产品的风险为研究对象，采用文献研究法和比较研究法，通过对数字金融特征，风险成因等问题进行解析，探究我国目前数字金融风险管理现状。深入分析了目前我国数字金融风险防范存在的如信用体系不健全，监管难等问题。针对这些风险提出合理可操作性建议，即采用网络信息管理制度，信息透明化，加强市场准入，采用综合监管等方法。期望该研究能给我国目前数字金融风险管理问题提供一些参考建议。并希望国家能够进一步完善个人征信体系。

关键词：数字金融；风险；监管；防范

Abstract

With the rapid development of Internet, digital finance has developed rapidly and become the new focus of financial industry. With its low cost and high coverage, digital finance promotes the development of consumer finance in China. Digital finance plays an irreplaceable role in improving the efficiency of capital allocation, supporting innovation, promoting Inclusive Finance, improving social equality and narrowing the gap between the rich and the poor. Through the research on the risk of digital financial industry, it is found that compared with the rapid development of digital financial process, digital financial risk prevention and control is still in the exploration stage. The risk management of China's digital finance is not very mature, and the strength of risk control is not enough, which seriously affects the development of China's digital finance.

Therefore, this paper takes the risk of digital financial products in China as the research object, adopts literature research and comparative research, analyzes the characteristics of digital finance, causes of risk and other issues, and explores the current situation of digital financial risk management in China. This paper analyzes the problems of digital financial risk prevention in China, such as imperfect credit system, difficult supervision and so on. In view of these risks, reasonable and operable suggestions are put forward, that is, adopting network information management system, information transparency, strengthening market access, adopting comprehensive supervision and other methods. It is hoped that this study can provide some suggestions for the current digital financial risk management in China. And hope that the country can further improve the personal credit system.

Key Words: Digital finance; risk; supervision; prevention

目录

第1章 绪论 1

1.1 研究背景 1

1.2 研究方法与研究思路 1

1.3 国内外研究动态 1

1.4 主要内容与创新点 4

第2章 数字金融及其风险分析 5

2.1 数字金融及其特征 5

2.2 数字金融的风险类别 6

2.3 数字金融的风险成因 6

第3章 我国数字金融风险管理现状 10

3.1 国家对金融业监管现状 10

3.2 大型数字金融企业风险管理现状 10

3.3 小型数字金融企业风险管理现状 10

第4章 我国数字金融风险管理存在的问题分析 12

4.1 信用体系不健全 12

4.2 法律不明晰 12

4.3 监管体系不健全 12

4.4 监管成本过高 13

4.5 数字金融市场准入门槛低 13

第5章 加强数字金融风险管理的政策建议 14

5.1 采用网络信息管理制度 14

5.2 制定完善法律，明晰违法行为 14

5.3 加强市场准入 15

5.4 改变监管模式，完善监管体系，改进监管技术 16

第6章 研究结论与展望 18

6.1研究结论 18

6.2研究展望 18

参考文献 19

致 谢 20

第1章 绪论

1.1 研究背景