基于大数据P2P网贷产业链下金融风险传导机理与防范机制研究

A Study of Financial Risk Transmission and Prevention Mechanism Based on P2P Lending Industry Chain of Big Data

随着信息技术的不断发展,大数据和互联网对社会发展和生产生活的影响日益提升。然而,受多种主观或客观因素的影响,互联网在高速发展过程中,还对应产生了较大的金融风险,制约了互联网金融的发展。因此,对金融风险传导机理和防范机制进行研究,具有明显的现实意义。以P2P网贷产业链为例,分析大数据背景下P2P网贷产业链金融风险的传导机理,并针对性地提出防范机制。

With the continuous development of information technology,big data and Internet have an increasing influence on social development,production and life.However,influenced by a variety of subjective and objective factors,the Internet has also generated greater financial risks in its process of rapid development,which has restricted the development of Internet finance.Therefore,it has obvious practical significance to study the transmission and prevention mechanism of financial risks.In this regard,this paper,taking P2P lending industry chain as an example,analyzes the financial risk transmission mechanism of P2P lending industry chain under the background of big data,and puts forward the corresponding prevention mechanism.