互联网金融风险的权重分析

Analysis ofWeighted Risks in Internet Finance

根据国内互联网金融发展现状,以调查问卷所获数据为基础,采用因子分析法对我国互联网金融中存在的风险进行识别和分析。结果表明:在我国互联网金融发展中主要存在法律缺失风险、平台经营风险、互联网信用风险、网络安全风险及互联网操作风险。这五大类风险因素对我国互联网金融整体风险的影响程度依次递减。

Based on the current development status of domestic internet finance and data obtained from a questionnaire survey,this study employs factor analysis to identify and analyze the risks present in China's internet finance.The results indicate that the main risks in the development of internet finance in China are legal gaps,platform operation risks,internet credit risks,network security risks,and internet operation risks.These five categories of risk factors have a decreasing impact on the overall risk of internet finance in China.