互联网金融全面风险情报体系构建研究——金融情报学的视角  

Research on Construction of Internet Finance Comprehensive Risk Intelligence System:Perspectives from Financial Intelligence Studies

作　　者：丁晓蔚[1] Ding Xiaowei(School of Information Management,Nanjing University,Nanjing 210023)

机构地区：[1]南京大学信息管理学院,南京210023

出　　处：《情报学报》2022年第12期1280-1293,共14页Journal of the China Society for Scientific and Technical Information

基　　金：国家社会科学基金项目“基于大数据的情报分析在互联网金融风险防控场景中的应用研究”(19BTQ070)。

摘　　要：本文采用金融情报学视角,探索互联网金融全面风险情报体系理论构建,以P2P(peer to peer)网贷为典型案例进行反思性研究。希冀为未来金融创新及规制、风控监管理论和方法的完善贡献绵薄之力。本文分为五个板块,板块一提出理论基础和框架;板块二从大数据推演互联网金融企业外部风险;板块三由大数据探析互联网金融企业内部风险;板块四在微观层面构建互联网金融企业实时量化的全面风险情报体系;板块五研究中观、宏观实时量化全面风险情报体系,进而应用到精准监管、精准施策及风险化解和防控优化等领域。This paper explores the theoretical construction of a comprehensive risk intelligence system for Internet finance from the perspective of financial intelligence studies and conducts a reflective case study on P2P online lending.The full text is divided into five parts.Part 1 proposes the theoretical basis and framework.Part 2 deduces the external risks of In-ternet finance enterprises from big data.In Part 3,the internal risks of Internet finance enterprises are analyzed using big data.Part 4 presents a comprehensive risk intelligence system for Internet finance enterprises at the micro level.Part 5 ex-amines the comprehensive risk intelligence system at the meso and macro levels and then applies it to the fields of precise supervision,precise policy implementation,risk resolution,and prevention optimization.The findings contribute to improv-ing financial innovation and regulation,risk control,and supervision theories and methods in the future.

关 键 词：互联网金融 风险防控 金融情报学 国家金融安全 全面风险情报体系 大数据 人工智能 

分 类 号：G359.2[文化科学—情报学] F49[经济管理—产业经济] F832