摘要
随着科学技术的不断发展和社会经济水平的不断提升,大数据技术应运而生。该技术凭借着自身的高准确性、强灵活性等特征,被广泛应用于互联网金融风险管理中,不仅为客户带来良好的金融服务体验,还提高了线上支付的快捷性和方便性。然而,大数据技术像一把双刃剑,在给互联网金融带来便利的同时,也引发了一系列的金融风险。为了实现对金融风险的有效防护,现以大数据技术应用为例,根据互联网金融的特征和应用,针对互联网金融风险类型,从强化互联网金融支付控制、完善互联网金融征信体系、构建良好的金融市场制度体系、加强行业间的交流与合作四个方面入手,为实现对互联网金融风险的规范化管理提出具有建设性的建议。
With the continuous improvement of the socio-economic level and the constant development of science and technology,big data technology emerged at the historic moment.This technology has been widely used in Internet fi nancial risk management by virtue of its high accuracy and strong flexibility.Not only does it provide customers with a good financial service experience,but also it also improves the speed and convenience of online payment.Then,big data technology is like a double-edged sword,bringing convenience and a series of financial risks to Internet fi nance at the same time.In order to achieve effective protection against fi nancial risks,now take the application of big data technology as an example.According to the characteristics and applications of internet fi nance,and the types of internet financial risks,it puts forward constructive suggestions for realizing the standardized management of internet financial risks from the four aspects of strengthening Internet financial payment control,improving the credit investigation system for Internet fi nance,building a good financial market system and strengthening inter-industry exchanges and cooperation.
作者
张宇
ZHANG Yu(Central University of Finance and Economics)
出处
《中国商论》
2021年第16期35-37,共3页
China Journal of Commerce
关键词
大数据
互联网
金融风险
管理
big data
Internet
financial risk
management
