Research on risk management of fintech companies and Internet Bank -- Taking Ant Financial Service Group and Webank as Case Studies

Huang Zijie (2021) Research on risk management of fintech companies and Internet Bank -- Taking Ant Financial Service Group and Webank as Case Studies. Külkereskedelmi Kar.

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Absztrakt (kivonat)

The development of Fintech (finance + technology) has improved the efficiency of financial institutions, subverted mature traditional operating models and business models, improved people's quality of life, and promoted society to become the most developed development of global financial technology in 2015. Fintech has penetrated all areas of the financial industry, creating a new banking business model. With the rapid development of financial technology, new risks are also developing backwards. Firstly, it introduces platform economic theory, transaction theory, choice theory, financial innovation theory and financial fragility theory, providing a second for studying financial technology risks, introducing the development history of financial technology, the current situation of financial technology, and the typical financial technology Operation mode, risk type and risk assessment-Fintech's Fuzzy Analytic Hypothesis Process (FAHP), and selected two cases as the basis. Ant Financial, a classic representative of Chinese financial technology companies, was selected as the research object in Case 1. Research on potential risks through business models and business characteristics, and in-depth analysis of Ant Financial's subsequent internal and external risks. Using the FAHP model to calculate risk weights and compare the calculation results shows that information technology and credit risk are essential risks. Following big data credit, artificial intelligence risk management, strict internal audit system, and introducing the risk management model of Ant Financial. Finally, concluding comments and suggestions were put forward for managing these risks. Case 2 chooses WeBank as a typical representative of China's Internet banking. Compare the technological development level of small and micro banks and ordinary banks by using particular credit indicators and indicators that represent the technological development level of banks. Then, it conducts correlation analysis and trend analysis on Webank’s financial technology-related and credit risk indicators and determines specific measures to optimize credit risk through financial technology. From the perspective of financial technology, it analyzes the reasons for the continuous bankization of Webank’s credit risk control capabilities. The conclusion drawn from the research is that fintech helps Chinese banks improve their credit risk management and control capabilities. Finally, based on the enlightenment gained from the research on WeBank, suggestions are made for the risk management of traditional banks. The development of financial technology is the development of enterprises and banks and a significant change in the global financial environment. Therefore, it is of great practical significance to study the risk management of financial technology in enterprises and banks.

Intézmény

Budapesti Gazdasági Egyetem

Kar

Külkereskedelmi Kar

Tanszék

Nemzetközi Kereskedelem és Logisztika Tanszék

Tudományterület/tudományág

NEM RÉSZLETEZETT

Szak

Nemzetközi gazdálkodás

Konzulens(ek)

Mű típusa:	diplomadolgozat (NEM RÉSZLETEZETT)
Kulcsszavak:	Ant Financial, FAHP, fintech, risk management, Webank
SWORD Depositor:	Archive User
Felhasználói azonosító szám (ID):	Archive User
Rekord készítés dátuma:	2022. Már. 08. 09:05
Utolsó módosítás:	2022. Már. 08. 09:05

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