基于结构方程模型的互联网金融风险评价

发布时间：2018-03-23 15:46

本文选题：互联网金融　切入点：结构方程模型　出处：《哈尔滨理工大学》2017年硕士论文

【摘要】：互联网金融正在以其独特的商业模式和价值创造方式影响着传统金融业,并逐步成为不能忽略的新型金融业态,其与传统金融相互竞争、渗透,撞击着金融结构的变革,也促进了普惠型金融的实现。然而,互联网金融作为本身具有系统性风险的互联网行业与本身具有市场风险的金融行业的结合物,因其运营平台的虚拟性、技术依赖性、关联性等,导致对其监管缺位、相关法律法规的制定滞后等问题,对其风险的监控更加复杂与特殊,成为我国互联网金融稳定发展的关键障碍因素。如何科学评价互联网金融风险并进行有效的防控是目前阻碍我国互联网金融行业进一步发展的关键因素。因此,分析我国互联网金融市场发展现状,建立合适的实证评价模型,定量分析我国互联网金融各风险因素之间的关系,并以此实证结果为依据提出优化措施,从而有效地防控我国互联网金融风险已成为互联网金融企业的迫切要求,更是我国金融市场稳健发展的必然要求。本文首先分析了我国互联网金融的发展现状及影响其发展的风险因素。其次,依据我国互联网金融风险影响因素及相关评价指标体系构建原则,运用德尔菲法初步构建评价指标体系,依据此评价指标体系设计调查问卷并收集数据;通过SPSS20.0对所获问卷数据进行描述性统计分析、信度分析和效度分析,从而确定最终的评价指标体系。再次,构建互联网金融风险结构方程模型,借助于AMOS22.0探讨模型中各风险因素之间的关系,并利用拟合指数对模型进行修正,得出最合理的结构方程模型,进而得出实证分析结果。最后,利用实证分析结果,有针对性的提出改进我国互联网金融风险的对策建议,以促进我国互联网金融的稳健发展。
[Abstract]:Internet finance is influencing the traditional financial industry with its unique business model and value creation mode, and has gradually become a new financial form which can not be ignored. It competes with traditional finance, penetrates and impinges on the change of financial structure. It also promotes the realization of inclusive finance. However, Internet finance, as a combination of Internet industry with systemic risk and financial industry with market risk, is dependent on technology because of its virtual operation platform. Relevance and so on, resulting in the absence of supervision, the lag in the formulation of relevant laws and regulations, and so on. The monitoring of its risks is more complex and special. Therefore, how to scientifically evaluate Internet financial risks and how to effectively prevent and control them are the key factors that hinder the further development of China's Internet financial industry. This paper analyzes the current situation of the development of China's Internet financial market, establishes a suitable empirical evaluation model, quantitatively analyzes the relationship between the various risk factors of China's Internet finance, and puts forward the optimization measures based on the empirical results. In order to effectively prevent and control the Internet financial risks in China, it has become an urgent requirement of Internet financial enterprises. It is also the inevitable requirement of the steady development of our country's financial market. Firstly, this paper analyzes the present situation of the development of China's Internet finance and the risk factors that affect its development. According to the influencing factors of Internet financial risk and the construction principle of related evaluation index system, this paper uses Delphi method to construct the evaluation index system, designs the questionnaire and collects the data according to the evaluation index system. Through the descriptive statistical analysis, reliability analysis and validity analysis of the questionnaire data obtained by SPSS20.0, the final evaluation index system is determined. Thirdly, the structural equation model of Internet financial risk is constructed. With the help of AMOS22.0, the relationship between various risk factors in the model is discussed, and the fitting index is used to modify the model, and the most reasonable structural equation model is obtained, and then the empirical analysis results are obtained. Finally, the empirical analysis results are used. In order to promote the steady development of Internet finance in China, the countermeasures and suggestions to improve the risk of Internet finance are put forward.
【学位授予单位】：哈尔滨理工大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F724.6;F832

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