互联网金融的风险识别及防范对策——基于模糊层次分析法

On Risk Identification and Preventive Countermeasures of Internet Finance——Based on Fuzzy Analytic Hierarchy Process

随着互联网金融的快速发展,面临着传统金融缺陷与网络安全的双重风险累加,导致互联网金融呈现出扩散速度快、传染性强、监管困难等复杂多变的风险隐患。依据金融风险理论,采用模糊层次分析法进行实证分析,对技术风险、信用风险、法律及声誉风险、操作风险、行业层面风险、市场风险六个一级指标、18个二级指标进行风险评估,提出了健全互联网金融信用体系、规避互联网金融操作风险、规范互联网金融法律行为、构建互联网金融监管机制等具体防范对策。

With the rapid development of Internet finance,the accumulation of double risks from traditional financial defects and network security will lead to complex and changeable risks and hidden dangers,such as rapid diffusion,strong infectivity and difficult supervision.This paper,based on the theory of financial risk,makes an empirical analysis by using fuzzy analytic hierarchy process,takes risk assessment on 6 firstlevel indicators:technical risk,credit risk,legal and reputation risk,operation risk,industry risk,market risk index of six class,and 18 second-level indicators,and puts forward some measures for preventing Internet financial risks:perfecting credit system,avoid operation risks,regulating legal actions,and constructing the supervision mechanism,etc.