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摘要
随着互联网时代的到来，传统银行在互联网金融企业的冲击下面临着巨大挑战。
他们高效快捷、创新服务的特点吸引着无数客户，成为传统银行的强劲对手。而互联
网时代的到来不可避免，传统银行只有顺应大势，不断进行革新才能在新时代立定脚
跟。互联网带来的风险和收益是平衡的，传统银行在不断创新的同时，也产生了更多
的财务风险。如何平衡风险和收益是我们需要研究的问题。
本文第一章讲述了互联网金融的特征和分类，发现互联网金融可以促进传统银行
的发展，讲述了发展互联网金融的必要性。但在互联网金融的大背景下，创新带来的
财务风险也应该给予重视，如之前的网贷暴雷事件。第二章讲述了传统银行在互联网
金融背景下产生的风险，以及传统银行现有风险管理措施的不足。第三章采用案例的
形式，以 A银行为例，通过分析 A银行财务报表数据得出 A银行在互联网金融背景下
的财务风险。第四章运用因子分析法，对风险进行分析，确定各个指标对风险的影响
程度为下一步提出解决措施打下基础。第五章对主要风险进行解决。从流动性风险、
资本充足风险、内部管理、风险监管系统等方面提出针对性地解决对策。
通过对 A银行的研究，旨在给其他银行一个借鉴意义，帮助建立一个长效的互联
网金融风险管理机制，也为 A银行在互联网金融时代发展提供支持。
关键词：互联网金融，财务风险，因子分析
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Abstract
With the advent of the Internet era, traditional banks face great challenges under the
impact of Internet financial enterprises. Their efficient, fast and innovative services have
attracted countless customers and become strong rivals of traditional banks. The arrival of
the Internet era is inevitable. Only by conforming to the general trendand making
continuous innovation can traditional banks keep a foothold in the new era. The risks and
benefits brought by the Internet are balanced. While traditional banks are constantly
innovating, they also produce more financial risks. How to balance the risks and benefits is a
question that we need to study.
The first chapter of this thesis tells the characteristics and classification of Internet
finance, finds that Internet finance can promote the development of traditional banks, and
tells the necessity of developing Internet finance. However, in the context of Internet finance,
the financial risks brought by innovation should also be paid attention to, such as the
previous online loan thunder incident. The second chapter describes the risks generated by
traditional banks in the background of Internet finance and the deficiencies of the existing
risk management measures of traditional banks. Chapter 3 adopts the form of cases. Taking
Bank A as an example, the financial risks of Bank A in the background of Internet finance
are obtained by analyzing the financial statement data of Bank A. Chapter 4 uses factor
analysis to analyze the risk, determine the impact of each index on the risk to lay a
foundation for the next solution. Chapter 5 solves the major risks. From the liquidity risk,
capital adequacy risk, internal management, risk supervision system and other aspects of the
targeted solutions.
Through the research on Bank A, it aims to give other banks a reference significance,
help to establish a long-term risk management mechanism of Internet finance, and also
provide support for the smooth development of Bank A in the era of Internet finance.
Key words: Internet finance, Financial risk, Factor analysis method
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