互联网金融发展的长尾驱动与风险生成机理  

The Long Tail Driving and Risk Formation Mechanism of Internet Finance

作　　者：韩克勇[1] 

机构地区：[1]山西省社会科学院

出　　处：《亚太经济》2018年第1期62-66,146,共5页Asia-Pacific Economic Review

基　　金：2017年度山西省高等学校人文社会科学重点研究基地项目:溢出效应与公司投资行为研究(2017330)

摘　　要：作为信息网络技术与现代金融相结合的一种金融创新和金融业态,互联网金融的出现不仅改变了以往的金融服务模式,更是在服务市场和服务边界上体现了普惠金融的基本理念。以长尾理论为基础,分析了长尾驱动与互联网金融创新本源的关系,并基于互联网金融的本质属性,从虚拟交易、监管套利、技术依赖及溢出效应等考察了互联网金融风险的生成和演化机理。并从金融属性层面、行业自律层面和政府监管层面提出了三维协同的规范互联网金融发展、防范互联网金融风险的普适性对策建议。As a financial innovation and financial formats from the combination of information network technology and modern finance,the arising of internet finance changes traditional service mode. It also embodies the spirits of inclusive finance in market and service boundary. On the basis of the Long Tail Theory,this paper analysis the relationship between the innovation of internet finance and the long tail driving. Basing on the essence of internet finance,it aiso inspects the risk formation mechanism from fictitious transactions,regulatory arbitrage,technological dependency and spillover effect. In the end,the paper suggests to prevent internet financial risk on financial feature,self-regulated system and government regulation.

关 键 词：互联网金融 长尾理论 金融风险 风险管理 

分 类 号：F832.2[经济管理—金融学]