摘要
对余额宝存在的风险进行了系统分析,并利用层次分析法和模糊综合评价法,构建了余额宝风险评价模型,分析评价各个指标对余额宝整体风险的影响,得出余额宝不仅具有较高的风险,而且收益风险、赎回风险、监管风险、利率风险、银行挤兑风险等是余额宝风险评价最重要的指标,也是余额宝应重点管理和防范的风险.
In this paper we systematically analyzed the risks of Yu’eBao,constructed the risk assessment model based on AHP and Fuzzy Comprehensive Evaluation,and assessed the effect of each index on the risks of Yu’eBao. The resutts showed that the risk of Yu’eBao is high,and the revenue risk,redeeming risk,regulatory risk,interest-rate risk,bank run risk are the most important indicators and the main risks of Yu’eBao management and precaution.
出处
《河南科学》
2015年第6期1062-1066,共5页
Henan Science
关键词
余额宝
风险评价
模糊综合评价
AHP
Yu’eBao
risk assessment
AHP
fuzzy comprehensive evaluation
