金融发展中的科技风险研究  

The Analysis of Technological Risk in Financial Development

作　　者：刘璐[1] 金素[1,2] 

机构地区：[1]南京大学商学院,江苏南京210093 [2]南京审计学校,江苏南京211815

出　　处：《科技进步与对策》2011年第21期31-34,共4页Science & Technology Progress and Policy

基　　金：国家社会学科基金重点项目(08AJY029)

摘　　要：科技对金融发展具有双重效应,在促进金融发展的同时也会增加金融发展过程中的风险。通过分析科技风险对金融发展的作用机理,指出科技风险在金融领域具体表现为资产定价失误、科技超越理性,以及网络传染性。针对科技风险对金融发展可能产生的不利影响,认为需从源头上防范科技风险,在科技使用过程中控制科技风险,以及在科技风险发生后及时应对,从而使得科技进步真正为金融发展服务。Technology has a dual effect on financial development, which not only can promote financial development, but also can increase the risk of financial development. Based on analyzing the mechanism of technological risk to financial development,this paper points out that technological risk in financial development is specifically expressed in asset pricing error,technology beyond the rationality,and network infection. In order to avoid the adverse effects of technology risk in financial development and make technology improvement to serve for financial development well,this paper argues that it is necessary to prevent technological risk from the source,to control technological risk during the process, and take countermeasures after technological risk happened.

关 键 词：金融发展 科技 科技风险 金融危机 

分 类 号：F830[经济管理—金融学]