摘要
通过构建互联网金融三部门信贷模型体系,分析得到互联网金融模式凭借大数据创造的"信用资本"和"信用抵押",可以破解融资悖论,消除信贷市场中的逆向选择和道德风险,达到一个"良性循环"的共赢局面。为保障互联网金融模式的有效应用,进一步分析了其风险控制问题,指出可以采取"集约投保+集团承保"的信贷保险模式。最后,结合上海公共信息平台的启示,提出搭建一个"信用信息信贷平台"的设想。
By building the internet'three- sector credit system'model,we find that'credit capital'and'credit guaranty',created by Internet finance and big data,could resolve the financing paradox by eliminating the adverse selection and moral hazard in credit market,thus achieving a'virtuous circle',which is a win- win situation. The risk controlling is then analyzed to better help the model's effective application and a new credit insurance model'intensive insurance + group underwriting 'is proposed. A credit information platform is also suggested in light of Shanghai's public information platform.
出处
《金融经济学研究》
CSSCI
北大核心
2015年第1期55-67,共13页
Financial Economics Research
基金
新疆自治区研究生科研创新项目(XJCX2013144)
关键词
大数据
互联网金融
信用资本
小微企业融资悖论
big data
internet finance
credit capital
small and micro businesses' financing paradox
