民族地区互联网金融组合模型建构及实证研究

Construction and Empirical Study of Internet Financial Portfolio Model in Ethnic Areas

促进民族地区互联网金融的发展,不仅有助于加快我国民族地区经济建设,而且为我国民族地区实现普惠金融开辟了崭新的路径。在民族地区互联网金融发展的同时,应该意识到,无论是传统的金融行业还是互联网金融,风险的控制永远是核心。在对民族地区互联网金融发展现状及必要性研究的基础上,论文阐述了民族地区互联网金融组合模型的建构步骤,并以网络信贷用户行为的研究为例,进行了基于风险控制的民族地区互联网金融组合模型的建构和实证分析。

Promoting the development of Internet finance in ethnic areas not only helps to accelerate the economic development of China’s ethnic regions, but also opens up a new path for the realization of inclusive finance in China’s ethnic regions. While developing Internet finance in ethnic areas, we should also realize that whether it is the traditional financial industry or Internet finance, the control of risk is always the core. Based on the research on the status quo and necessity of Internet finance development in ethnic areas, expounds the construction steps of Internet financial portfolio model in ethnic areas, and takes the study of online credit user behavior as an example to conduct Internet based on risk control. The construction and empirical analysis of the financial portfolio model.