ⅠⅡ 摘要 随着互联网技术的快速迭代，我国传统商业银行普惠金融业务的发展面临巨大困 境，但随着挑战而来的则是更大的机遇，对商业银行普惠金融业务突破现有条件束缚有 决定性作用，互联网大数据和云计算的发展，将取代部分人工算力，推动商业银行的变 革和升级，并促进金融行业与互联网的融合发展。在此背景下，普惠金融贷款业务也受 到了显著影响。互联网、大数据等前沿技术的发展，不仅能够降低传统普惠金融信贷业 务的成本，显著提升传统线下普惠金融贷款风险抵御能力的同时，线上普惠金融贷款业 务的风险防范也不同于线下贷款，带来了新的问题和挑战。 本文以JX建行为研究对象，研究其在互联网背景下开展线上普惠金融业务风险管 理的相关问题，以当前现存资料和文献为理论指导，采用访谈方法获得更为客观的实际 数据，从而对其中存在的问题进行深入剖析，并在此基础上总结优化方案。具体内容如 下：首先，对国内外关于金融+互联网、风险管理研究的文献进行了梳理，并简要介绍 了金融+互联网、普惠金融、风险管理相关的概念。其次，本文介绍了JX建行线上普惠 金融信贷业务在当前经济形势下的发展现状，采取面对面访谈的方式，与相关人员进行 沟通，从而深入挖掘JX建行线上普惠金融信贷业务的实际情况。然后分析了JX建行线 上普惠金融在对风险加以管控过程中所存在的问题，并对形成原因进行深入挖掘。最后， 在上述研究的基础上，提出了JX建行线上普惠金融贷款业务风险管理的优化对策。为 JX建行的线上普惠金融业务风险管理提出优化策略和改善建议，同时，也为国内其他 商业银行发展互联网金融的实践行为带来一定的指导作用。 关键词：线上普惠金融；小微信贷；金融+互联网；风险管理 摘要 ⅠⅡ Abstract WiththerapiditerationofInternettechnology,thedevelopmentof inclusivefinancialbusinessoftraditionalcommercialbanksinChinais facinggreatdifficulties,butwiththechallengecomesgreater opportunities,whichplaysadecisiveroleinbreakingthroughtheexisting constraintsofinclusivefinancialbusinessofcommercialbanks.The developmentofInternetbigdataandcloudcomputingwillreplacesome manualcomputing,andpromotethereformandupgradingofcommercialbanks, Andpromotetheintegrationanddevelopmentofthefinancialindustryand theInternet.Inthiscontext,inclusivefinancialloanbusinesshasalso beensignificantlyaffected.ThedevelopmentofInternet,bigdataand othercutting-edgetechnologiescannotonlyreducethecostoftraditional inclusivefinancialcreditbusiness,butalsosignificantlyimprovethe riskresistanceabilityoftraditionalofflineinclusivefinancialloans. Atthesametime,theriskpreventionofonlineinclusivefinancialloans isalsodifferentfromofflineloans,whichbringsnewproblemsand challenges. TakingJXastheresearchobject,thispaperstudiestheriskmanagement ofitsonlineinclusivefinancialbusinessunderthebackgroundofInternet. Guidedbythecurrentexistingdataandliterature,itusestheinterview methodtoobtainmoreobjectiveactualdata,soastodeeplyanalyzethe existingproblems,andonthisbasis,itsummarizestheoptimizationscheme. Thespecificcontentsareasfollows:firstly,thispaperreviewsthe literatureonFinance+Internetandriskmanagementathomeandabroad, andbrieflyintroducestheconceptsofFinance+Internet,Inclusive Financeandriskmanagement.Secondly,thispaperintroducesthe developmentstatusofJXCCB'sonlineinclusivefinancialcreditbusiness 摘要 ⅠⅡ underthecurrenteconomicsituation,andadoptsface-to-faceinterviews tocommunicatewithrelevantpersonnel,soastodeeplyexploretheactual situationofJXCCB'sonlineinclusivefinancialcreditbusiness.Thenit analyzestheproblemsintheprocessofriskmanagementandcontrolofJX CCBonlineInclusiveFinance,anddeeplyexcavatesthecauses.Finally, onthebasisoftheaboveresearch,thispaperputsforwardtheOptimization CountermeasuresofJXCCBonlineinclusivefinancialloanbusinessrisk management.Atthesametime,italsoprovidessomeguidanceforother domesticcommercialbankstodevelopInternetfinance. Keywords:onlineinclusivefinance;smallandmicrocredit;finance+ Internet;riskmanagement 111 1 目录 摘要...................................................................................................................................Ⅰ Abstract.......................................................................................................................................Ⅱ 第1章绪论...............................................................................................................................1 1.1研究背景及意义...........................................................................................................1 1.1.1研究背景............................................................................................................1 1.1.2研究意义............................................................................................................2 1.2国内外研究综述...........................................................................................................2 1.2.1国内研究现状....................................................................................................2 1.2.2国外研究现状....................................................................................................4 1.3研究方法和内容...........................................................................................................5 1.3.1研究方法............................................................................................................5 1.3.2研究内容............................................................................................................6 第2章相关概念与理论概述...................................................................................................7 2.1金融+互联网的概述................................................................................................7 2.1.1金融+互联网的概念.........................................................................................7 2.1.2金融+互联网的特点.........................................................................................7 2.2普惠金融的含义及其在金融+互联网下的特点....................................................8 2.2.1小微企业的定义............................................................................................8 2.2.2普惠金融信贷业务现状................................................................................110 2.2.3线上普惠金融业务的特点..............................................................................12 2.3信贷风险管理概述....................................................................................................12 2.3.1信贷风险的含义.............................................................................................12 2.3.2信贷风险管理的概念.....................................................................................13 2.4理论依据....................................................................................................................14 2.4.1全面风险管理理论..................................................................................................14 2.4.2信息不对称理论......................................................................................................14 2.4.3企业成长周期理论..................................................................................................14 111 2 第3章JX建行线上普惠金融业务发展现状....................................................................17 3.1JX建行简介...............................................................................................................17 3.2JX建行线上普惠金融贷款业务概况.......................................................................17 3.2.1线上普惠金融业务总体情况.........................................................................16 3.2.2线上信贷产品分产品大类情况......................................................................16 3.2.3线上普惠金融业务的资产质量分析..............................................................16 3.3JX建行线上普惠金融贷款业务风险防控现状.......................................................17 3.3.1线上普惠金融业务风险的主要特征..............................................................17 3.3.2线上普惠金融业务风险防控的主要措施......................................................18 第4章JX建行线上普惠金融信贷业务风险管理分析........................................................21 4.1线上普惠金融信贷业务面临的