支付创新、信息行为与互联网金融风险管理  

Payment System Innovation,Information Behaviors and the Internet Finance Risk Management

作　　者：侯建强[1] 王喜梅[1] 

机构地区：[1]西南财经大学金融学院

出　　处：《财经科学》2016年第10期36-45,共10页Finance & Economics

摘　　要：根据内生经济增长理论,技术创新是经济创新发展的基础。本文认为支付体系作为金融市场基础设施,是金融业创新发展中的主要技术因素,目前为止整个金融创新发展的历史进程同时证明了支付创新与金融创新的关系。支付体系在账户、终端和交易功能等方面的技术创新及形成的新型组织和市场,是金融业信息处理和资源配置等功能创新的基础。基于互联网信息技术的支付创新改变了传统金融的信息行为,使互联网金融风险受信息摩擦影响更为显著、信息技术风险更加突出,但信息来源多元化和信息处理技术提升同时给互联网金融风险管理带来了新的技术和资源。在应对支付创新带来的金融风险方面,国际上已经形成一整套管理措施和立法经验,可广泛运用于我国互联网金融风险管理和监管实践中。According to the theory of endogenous economic growth, technological innovation is the foundation of economic innovation, This paper considers the payment system which is the infrastructure of financial market as the main technical factor in the innovation and development of financial industry, the relationship between payment innovation and financial innovation has been proved by financial innovation history. The technology innovation in payment account, terminal and transaction function and the formation of new organization and market, is the basis of the information processing and resource allocation innovation in financial industry. Payment system innovation based on Internet information technology has changed traditional financial infor- mation behaviors, which affected the Internet financial to be affected by information friction more significantly, more prominent in information technology risk, but could be controlled more efficiently through enhanced information sources and processing technology. In response to the financial risks originated from payment system innovation, it has formed a complete set of management measures and legislative experience world widely, which can be widely used in financial risk management and regulation of China＇s internet finance.

关 键 词：互联网金融 支付创新 信息行为 风险管理 

分 类 号：F724.6[经济管理—产业经济] F832