摘要
结合我国互联网金融的发展现状分析信用风险,对预期违约概率模型、信用计量模型和信用组合理论模型等经典的信用风险测量模型进行比较、发展和完善,提出应将法律制度与行业自律管理相结合、打造现代化的新型监管模式,从司法信用、商业信用、银行信用、设备和网络系统信用以及社会信用五个方面强化互联网金融信用风险防范。
In light of the development status quo of China＇s Internet finance,an analysis is made on credit risk,and a comparison and the improvement are made to such classical credit risk measurement models as the expected default probability model,credit measurement model and credit portfolio theory model,etc. The suggestion is that a new regulatory model,which combines legal system with industry self-discipline,should be used for strengthening a comprehensive prevention of Interent financial credit risk from five aspects： justice credit,commercial credit,banking credit,equipment and network systemic credit,and social credit.
出处
《征信》
2017年第11期35-37,共3页
Credit Reference
关键词
互联网金融
信用风险
风险测量
监管
internet finance
credit risk
risk measurement
regulation
