浅谈互联网消费金融的风险及管理-以蚂蚁借呗为例.pdfVIP

浅谈互联网消费金融的风险及管理 ——以蚂蚁借呗为例 摘 要 信息技术的快速发展，便捷了人们的日常生活，在生活上的很多方面都能用到互联网技术。以 联网为基础的各种产品也迅速发展了起来，并且在人们的生活上产生了巨大的影响。互联网消费金融 的出现，打破了传统意义上的空间和地域的界限，不管在人们的日常生活上还是对小型企业的融资方 面都起了很大的作用。虽然互联网消费金融能为人们带来便捷的生活，但是互联网也是一把双刃剑。 互联网对技术的要求特别高，其中存在的风险是不容小觑的。当前互联网消费金融有四种发展模式。 互联网消费金融是在传统的消费金融的基础上利用互联网技术在线上进行操作，由于互联网消 费金融是一种新兴产业，在这种虚拟的环境下进行资金的交易必定存在着各种风险。所以本文以电商 系互联网消费金融中的蚂蚁借呗为例，通过对蚂蚁借呗存在的风险问题进行分析，对目前互联网消费 金融存在的不足给出了可完善性建议。分别建议采取构建多维度评价体系、扩宽企业融资渠道并合理 布局其业务、完善互联网消费金融领域的法律法规等管理方式，以促进互联网消费金融行业的健康发 展。 关键词：互联网； 消费金融 ；风险；管理； 蚂蚁借呗 1 Abstract With the rapid development of modern information technology, the Internet has become an integral part of our daily life. In recent years, various products based on the Internet have also developed rapidly and have made a huge impact on peoples lives. The emergence of Internet consumer finance has broken the traditional boundaries of space and region, and has played a significant role in peoples daily life and in financing small businesses. Although Internet consumer finance can bring people a convenient life, the Internet is also a double-edged sword. The Internet places particularly high demands on technology, and the risks involved cannot be underestimated. There are currently four development models for Internet consumer finance. Internet consumer finance operates on the basis of traditional consumer finance using Internet technology. Since Internet consumer finance is an emerging industry, there are bound to be various risks in trading funds in this virtual environment. Therefore, this article takes ant borrowing in e-commerce Internet consumer finance as an example, and through analyzing the risk