基于FAHP方法的互联网金融风险评估分析

Risk assessment and analysis of Internet finance based on FAHP method

随着互联网技术的迅猛发展,互联网金融应运而生,构成国家经济积极发展的重要组成部分,而互联网金融风险问题亟待解决。文章根据传统金融的风险特点,建立互联网金融风险二级指标,基于模糊层次分析法构建模型,对互联网金融风险进行定量分析评估。实证结果显示互联网金融信用风险和运营风险为主要风险,为未来风险防控和风险监管提供了参考依据。

With the rapid development of Internet technology,Internet finance arises at the historic moment and constitutes an important part of the positive development of national economy.In the meanwhile,the risk problem of Internet finance needs to be solved urgently.Based on the risk characteristics of traditional finance,we set up two level indexes of Internet finance risk.Through fuzzy analytic hierarchy process,we construct a model to conduct quantitative analysis and assessment of Internet finance risks.The empirical results show that the credit risk and operational risk of Internet finance are the main risks.In the future,we should focus on the risk prevention and control and risk regulation.