基于互联网金融视角的网络信用风险传导机制研究

Research on the Transmission Mechanism of Network Credit Risk under the Internet Finance Perspective

随着我国互联网金融的蓬勃兴起,网络信用风险亦逐渐受到重视。文章基于互联网金融的视角,对网络信用风险进行了定义与分类,并建立了互联网金融用户与互联网金融机构的委托—代理模型、博弈模型等对网络信用风险传导机制进行了分析;对中国人民银行下属公司建立网络金融征信系统、阿里巴巴支付宝的信用评级体系、阿里小贷与京东白条的网络信用风险进行了案例分析;针对互联网金融网络信用风险的防范机制提出了进一步完善中国人民银行网络征信系统、网络信用评级系统的升级与完善、相关法律法规的出台并践行、信用担保建设、网络技术保障等相关政策建议。

With the emerging of China＇s internet finance, network credit risk has also been attached importance. From the perspective of internet finance, the paper defines and classifies internet credit risk, establishes the model of internet finance user and internet financing agencies and analyzes the principal-agent model and game model to the transmission mechanism of internet credit system. The paper also analyzes the cases of internet finance credit consulting system established by the companies directly under the People＇s Bank of China, credit rating system of Alibaba Alipay, Ali small loans. As to the prevention mechanism of internet finance credit risk, the paper proposes that internet consulting system of the People＇s Bank of China should be improved, internet credit rating system should be updated and perfected and relevant laws and regulations should be taken into effect.