数字金融风险区域差异比较研究——基于AHP层次分析法

A Comparative Study of Regional Differences in Digital Financial Risk:Based on AHP

本文立足于区域性差异,以东中西部中数字金融发展中具有代表性的省份为实证对象,从政府、金融机构及用户三个角度选择监测评价数字金融风险程度指标。采取AHP层次分析法计算出各指标对风险评价的权重,运用映射方法对指标数据进行标准化处理,采用综合指数法结合数据计算出区域性数字金融风险的综合评分,分析区域性数字金融风险在2016年至2018年的变化。最后对数字金融风险的形成及变化进行综合比较,描述形成该风险的各指标影响大小及风险间区域性差异并提出相关政策建议。

Based on regional differences,this article takes the representative provinces in the development of digital finance in the east,middle,and west as empirical objects,and selects the indicators of monitoring and evaluation of digital financial risk from three perspectives:government,financial institutions,and users.AHP is used to calculate the weight of each indicator for risk evaluation,and the mapping method is used to standardize the indicator data.Then,the comprehensive index method is used in conjunction with the data to calculate the comprehensive score of regional digital financial risks,and the changes in regional digital financial risks from 2016 to 2018 are analyzed.Finally,a comprehensive comparison is made on the formation and changes of digital financial risks,describing the impact size of each indicator that forms the risk and the regional differences between risks and making relevant policy recommendations.