冒烟指数:大数据监测互联网金融风险

Smoke index: big data technologies monitor Internet financial risks

提出以冒烟指数为核心技术的大数据监测预警系统。基于大数据金融监管的理念和方法,利用大数据、云计算、人工智能等技术实时监测整合互联网金融多元异构风险信息,并构建以"人、资金、业务"为主线的风险评测指标。该平台可提升并优化互联网金融风险日常监管的手段和效率,为监管机构的决策提供事实依据和数据参考。

Based on the big data concept and techniques in the financial regulation, smoke index was taken as the core technology to the Internet financial risk monitoring system, and the real-time monitoring and integration of multi-heterogeneous risk information were carried out and a set of ＂people＂, ＂capital＂ and ＂business＂ risk assessment indexes by using technologies such as big data, cloud computing and artificial intelligence were built. The means and efficiency of routine supervision of Internet financial risks were enhanced and optimized, and factual basis and data reference for the regulatory agencies＇ decision-making was provided.