群体调查与风险识别视角的互联网金融风险治理  

Internet Financial Risk Governance from the Perspective of Group Investigation and Risk Identification

作　　者：曾剑云[1] Zeng Jianyun

机构地区：[1]湖南科技大学商学院

出　　处：《开发性金融研究》2021年第5期10-23,共14页Development Finance Research

基　　金：国家社科基金一般项目(15BJY063)的资助

摘　　要：青年与非青年在互联网金融交易中的行为差异导致目标群体有别的互联网金融公司风险类型的重要性不同,事关互联网金融风险治理效果。本文设计青年与非青年目标群体的调查问卷,结合主成分分析法确定的风险类型权重,运用灰色关联分析法识别互联网金融风险:青年目标群体的互联网金融公司非常重要的风险为信用风险、流动性风险,操作风险与法律合规风险分别为重要和比较重要;非青年目标群体的互联网金融公司流动性风险、操作风险非常重要,重要的互联网金融风险是声誉风险,而法律合规风险和信用风险比较重要;目标群体未区分青年与非青年的互联网金融公司非常重要的风险类型与青年目标群体的互联网金融公司相同、重要程度排序相反,操作风险、声誉风险重要,比较重要的互联网金融风险是法律合规风险。根据目标群体特征和风险类型重要性,以互联网金融公司为核心结合外部监管开展互联网金融风险治理。The behavioral differences between youth and non-youth in Internet financial transactions lead to different importance of different types of risks for internet financial companies with different target groups,which is related to the effectiveness of Internet financial risk governance.In this paper,the author design questionnaires for youth and non-youth target groups,combine the weights of risk types determined by principal component analysis,and use gray correlation analysis to identify internet financial risks:for internet financial companies with youth target groups,the credit risk,liquidity risk are very important,operational risk is important and legal compliance risk is relatively important;while for internet financial companies with non-youth target groups,the liquidity risk and operational risk are very important,reputation risk is important,and legal compliance risk and credit risk are relatively important;for internet financial companies not distinguishing between youth and non-youth target groups,they share the same types of risks in the opposite order of very importance with those companies with youth target groups,operational risk and reputation risk are important,and legal compliance risk is relatively important.According to the characteristics of the target groups and the importance of the types of risks,the internet financial company is supposed to carry out internet financial risk governance taking itself as the core and combining external regulation.

关 键 词：互联网金融风险 风险治理 群体调查 风险识别 灰色关联分析法 

分 类 号：F832[经济管理—金融学] F724.6