余额宝的网络安全风险感知与收益研究——基于百度搜索指数

Research on the Perception of Cybersecurity Risk and Income of Yu'e Bao——Based on Baidu Index

互联网金融的爆发式增长,不仅给全球金融市场注入创新动力,也给市场资金带来了网络安全的风险。用户信息逐渐成为现代企业不可替代的重要战略资源,这使得预防网络安全事件发生、降低其对企业稳定性的影响显得格外重要。以余额宝为例,采用"百度搜索指数"的大数据信息构建余额宝投资者的网络安全风险感知度,对余额宝收益与网络安全风险感知之间的相关性进行实证研究,可深入分析互联网金融投资者网络安全风险感知对资产收益的影响。通过这种分析,充分反映了网络安全风险感知度与资产收益呈正相关的关系,即网络安全风险感知度越高,投资者要求的风险补偿就越高,使人们更好地了解互联网金融特有的网络安全风险的特征。

The explosive growth of Internet finance not only injects innovation power into the global financial market,but also brings the risk of cybersecurity to market funds.User information has gradually become such an irreplaceable strategic resource for modern enterprises that it is paramount to prevent cybersecurity incidents and reduce their impact on enterprise stability.Take Yu'e Bao as an example.By using the big data information of Baidu Index to construct the perception of cybersecurity risk of Yu'e Bao investors and empirically researching the correlation between Yu'e Bao's revenues and the perception of cybersecurity risk,it is feasible to analyze the impact of cybersecurity risk perception of Internet financial investors on asset returns in depth.Through this analysis,the relationship between the perception of cybersecurity risk and asset returns is fully reflected-the higher the perception,the higher the risk compensation required by investors,which helps people better understand the characteristics of unique cybersecurity risks of Internet finance.