DB 证券股份有限公司作为国内的传统中小型证券公司，是证券互联网业务的 先行者，在国内证券行业互联网金融发展历程中占有重要的地位。然而随着互联 网技术的发展，证券行业互联网金融业务竞争的持续加剧。DB 证券股份有限公司 在互联网金融发展的过程当中，出现了资管业务占比过高等问题。面对种种问题， DB 证券股份有限公司必须对出现的问题进行解决。 本文以 DB 证券股份有限公司互联网金融业务发展的实际情况为研究对象，分 析了 DB 证券股份有限公司互联网金融业务发展中问题的产生原因，并且对问题的 解决提出了针对性的对策。第一，综述了证券互联网金融概念、证券互联网金融 内容、金融风险管理理论、金融中介理论、大数据理论，为本文提供理论支撑。 第二，本文分析了 DB 证券股份有限公司互联网金融发展现状提出了 DB 证券股份 有限公司资管业务占比过高、互联网人才储备不足、风险控制不到位、经管业务 竞争力不足等严重问题。深入探究其原因认为，DB 证券股份有限公司没有制定长 期发展规划、传统证券公司没有及时储备互联网人才、IT 部门建设力度不足、营 销渠道建设力度不足是这些问题产生的主要原因。第三，基于问题成因分析，本 文提出了优化业务长期发展规划、建立良好人才管理制度、建立严格 IT 风控的制 度、加强互联网金融产品创新管理的策略。 关键词，互联网金融，大数据，人才储备，风险控制Abstract DB Securities Co.,Ltd as domestic traditional medium and small sized securities company which is the pioneer of the internet securities business. DB Securities Co.,Ltd plays an important role in the development process of domestic internet securities financial industry. However, with the development of internet technology, the huge competition among the internet securities financial industry becomes more and more intense. DB Securities Co.,Ltd appears unbalanced business development and other problems in the development process of the internet financial industry. Facing these various problems, DB Securities Co.,Ltd must sort them out . This paper according to the physical truth development of DB Securities Co.,Ltd as case, based on this company all the departments and developed internet financial industry to analyse the cause of these problems. In order to improve these problems, DB Securities Co.,Ltd proposed specific measures. Firstly, the theory of securities internet finance, the contents of securities internet finance, the theory of financial risk management and the theory of financial intermediation provide theoretical support for this paper. Secondly, in the process of analyzing the development current status of DB Securities Co.,Ltd. We found some problems such as business resources are not equally distributed, reserve of internet talents shortage, risk control is out of control, lack of business competitiveness or other serious problems. We make further research and find that the traditional securities company has no long term development projects, reserve of internet talents is not in time, lack of constructive power for IT department and scale of the company is limited are the main reasons to produce these problems. Thirdly, based on realistic analysis, this paper proposes optimize distribution of business resources, establish excellent management system for talents, establish strict system for risk control, strengthen creative management strategy for internet financial products. Finally, this paper makes a conclusion for the development target of DB Securities Co.,Ltd which in the area of the internet financial business. Keywords: Internet financial business, Big data, Talent reserve, Problem strategy目 录 第 1 章 绪论 .......................................................... 1 1.1 选题的背景和意义 ............................................................................................. 1 1.1.1 选题背景 .................................................................................................. 1 1.1.2 选题意义 .................................................................................................. 2 1.2 国内外的研究现状 ............................................................................................. 3 1.2.1 国外互联网金融发展现状 ....................................................................... 3 1.2.2 国内互联网金融发展现状 ....................................................................... 4 1.3 论文研究的内容和方法 ..................................................................................... 6 1.3.1 研究内容 .................................................................................................. 6 1.3.2 研究方法 .................................................................................................. 6 1.4 论文的创新之处 ................................................................................................. 6 第 2 章论文研究的基础理论 ............................................. 8 2.1 互联网金融理论 ................................................................................................. 8 2.1.1 互联网金融概念 ....................................................................................... 8 2.1.2 互联网金融内容 ....................................................................................... 8 2.2 金融风险管理理论 ............................................................................................. 8 2.3 金融中介理论 ..................................................................................................... 9 2.4 大数据理论 ....................................................................................................... 10 第 3 章 DB 证券股份有限公司互联网金融业务开发现状 .................... 12 3.1 DB 股份有限公司证券简介............................................................................ 12 3.2 DB 证券股份有限公司开展互联网金融业务发展现状................................ 13 3.3 DB 证券股份有限公司开展互联网金融业务发展成效................................ 16 第 4 章 DB 证券股份有限公司互联网金融业务发展问题及成因分析 .......... 18 4.1DB 证券股份有限公司互联网金融业务发展存在的问题............................. 18 4.1.1 资管业务占比过高 ................................................................................. 18 4.1.2 互联网金融人才储备不足 ..................................................................... 19 4.1.3 风险控制不到位 ..................................................................................... 194.1.4 经管业务竞争力不强........................................................................20 4.2 DB 证券股份有限公司互联网金融业务发展问题成因分析 .................22 4.2.1 DB 证券股份有限公司没有制定长期发展规划 .............................22 4.2.2 传统券商没有及时转型储配互联网人才........................................23 4.2.3 DB 证券股份有限公司 IT 部门建设力度不足................................25 4.2.4 DB 证券股份有限公司营销渠道建设力度不足 .............................27 第 5 章 DB 证券股份有限公司互联网金融业务发展对策 .................... 29 5.1 优化业务长期发展规划..............................................................................29 5.2 建立良好的人才管理机制..........................................................................30 5.3 建立严格 IT 风险控制机制........................................................................31 5.4 增强经纪业务竞争力..................................................................................32 5.5 加强互联网金融产品创新管理..................................................................34 结论................................................................ 36