摘要
互联网金融是现代互联网与传统金融相结合的新型金融模式。近年来，国
家对互联网金融平台的关注度越来越高，相继出台了一系列有关政策。但是由
于互联网金融处在发展初级阶段，业务模式、法律监管等还不够成熟和完善，
互联网金融的发展和经营依然处于相对敏感和模糊的状态。
互联网金融依然离不开金融的本质，跟传统金融行业一样风险是发展中面
临的核心问题。目前，很多互联网金融公司都面临外部环境和自身因素等带来
的风险,想要降低风险，必须根据自身特点，灵活采取扩大交易规模、改善业务
模式、健全运营管理体系等多种方式的应对措施。作为一家互联网金融平台的
GQ 公司，在其业务发展中也面临着内部和外部不同因素带来带来的风险。GQ 公
司自成立以来业务发展迅速，业务类型也不断增加，不管是从内部管理还是外
部环境因素其面临的风险点也随之增多。
本文通过对 GQ 公司业务运营模式、业务类型和业务管理等业务发展现状进
行了具体分析，找出了目前公司存在的行业周期性和瞬时性风险、政策风险、
法律风险、市场风险等外部风险和运营管理风险、风控体系风险、业务风险、
技术风险等内部因素带来的风险，并提出了 GQ 公司业务发展中面临的风险的应
对措施，包括健全运营管理体系、完善风险控制体系、优化网络安全防护体系
和加强同业合作四个方面，为 GQ 公司的健康可持续发展提供一些思路和建议。
关键词：互联网金融、风险、业务、环境、平台III
Abstract
Internet finance is a new financial model combining modern Internet and
traditional finance. Recent years saw the government’s increasing attention to internet
financial platform, and a series of relevant policies were issued. However, as Internet
finance industry in China is still in the primary stage, its business model and legal
supervision are not mature and perfect enough. The development and running of
Internet finance remain sensible and fuzzy relatively.
Internet financial industry still has the essence of financial industry, which
indicates that the core problems faced by Internet financial companies during their
development are the risks.At present, lots of Internet financial companies are faced
with risks from external environment and their own factors. To reduce risks, Internet
financial companies must, according to their own characteristics, take various flexible
measures to expand trade scale, optimize business model, and improve the
management system etc. As a Internet financial platform, GQ is faced with the risks
of different internal and external factors during its business development as well.GQ
company has been dramatically developing since its establishment. However, they
were facing an increasing number of risks required to be managed from both internal
and external environment.
Based upon an explicit analysis of GQ company’s present situation of
business operation mode, business type and management, this essay is designed to dig
out its existing external risks like cyclical & instantaneous risk, policy risk, legal risk,
market risk, and internal risks like management risk, risk control system, business
risk and technical risk. More importantly, targeted to these risks, responsive measures
are put forward, including developing their operation and management system,
improving risk management system, optimizing network security protection system
and enhancing the collaboration in the same business,which would provide some
ideas and suggestions to the healthy and sustainable development of GQ company.
Key words: Internet finance; risk; business; environment; platformIV
目 录
第一章 绪论 ............................................................................................1
第一节 选题的背景和意义............................................................................... 1
一 选题的背景 .............................................................................................................1
二 研究意义 .................................................................................................................4
第二节 研究的思路及方法............................................................................... 4
一 研究思路 .................................................................................................................4
二 研究方法 .................................................................................................................5
第二章 GQ 公司的概况 .........................................................................6
第一节 公司介绍............................................................................................... 6
第二节 公司发展历史沿革............................................................................... 7
第三节 公司主要业务情况............................................................................... 9
第四节 公司管理运营和风控体系................................................................... 9
第三章 GQ 公司业务发展现状分析 ...................................................12
第一节 业务模式现状分析............................................................................. 12
一 业务运作模式 .......................................................................................................12
二 业务类型 ...............................................................................................................13
三 业务发展中存在的问题........................................................................................15
第二节 业务风险控制现状分析....................................................................... 16
一 风险控制管理现状 ...............................................................................................16
二 业务风险控制方式 ...............................................................................................18
第四章 GQ 公司业务发展中面临的风险及成因...............................23
第一节 外部环境形成的风险及成因............................................................. 23
一 行业周期性和瞬时性风险及成因........................................................................23
二 政策风险及成因 ...................................................................................................24
三 法律风险及成因 ...................................................................................................25
四 市场风险及成因 ...................................................................................................26
第二节 公司内部环境相关的风险及成因..................................................... 27V
一 运营管理风险及成因 ...........................................................................................28
二 风控体系的风险及成因........................................................................................29
三 业务风险及成因 ...................................................................................................30
四 技术风险及成因 ...................................................................................................31
第五章 GQ 公司业务发展风险的应对措施.......................................33
第一节 健全运营管理体系............................................................................. 33
一 健全运营管理机制 ...............................................................................................33
二 注重专业人才培养和人才梯队建设....................................................................34
第二节 完善风险控制体系............................................................................. 37
一 完善风险控制管理机制........................................................................................37
二 完善风险控制措施 ...............................................................................................37
三 引入合作机构担保 ...............................................................................................38
第三节 优化网络安全防护体系..................................................................... 38
第四节 加强同业合作................