[논문]중국 인터넷 금융 리스크 관리 및 대책 연구

원쇠; 심재연

doi:10.21186/ipr.2022.7.4.109

[국내논문] 중국 인터넷 금융 리스크 관리 및 대책 연구
Research on China's Internet Financial Risk Supervision and Countermeasures 원문보기

Industry promotion research = 산업진흥연구, v.7 no.4, 2022년, pp.109 - 119

원쇠 (중국 남녕사범대학) , 심재연 (세한대학교 경영학과)

초록
AI-Helper

최근 인터넷 금융이 중국 내에서 다양하게 통합되면서 새로운 형태의 금융이 형성되고, 중국의 실물경제 구축과 포용적 금융으로 빠르게 새로운 금융의 통로가 되고 있다. 본 논문은 중국 인터넷 금융플랫폼의 패널자료를 토대로 인터넷금융위험의 영향요인을 랜덤효과모형을 이용하여 분석한 결과 다음과 같은 결과를 얻었다: (1) 금융플랫폼의 사용자펀드와 플랫폼펀드관리를 통하여, 인터넷상의 거래에서 금융리스크를 효과적으로 줄일 수 있다. (2) 규제정책을 통해 플랫폼 자금이 소수의 대출자에게 집중되는 것을 피함으로써 인터넷 금융거래의 위험을 효과적으로 줄일 수 있다. (3) 자금의 유동성 통제는 인터넷 금융 거래의 위험을 효과적으로 감소시킬 수 있다. 연구결과로, 인터넷 금융의 건전하고 지속가능한 발전을 위한 규제정책에 대한 최적화 전략을 제안하였다.

Abstract ▼ AI-Helper

In recent years, China's Internet finance industry is hot. There is no doubt that Internet finance has been fully integrated into China, forming a new form of financing, and rapidly becoming a new channel for investment and financing in China, shouldering the responsibility of inclusive financing and building China's real economy. However, with investment, there are risks. Based on the panel data of China's Internet financial platform, this paper uses the random effect model to study the influencing factors of Internet financial risks, and draws three conclusions: (1) The user funds and platform funds of the financial platform will be managed separately by the bank, which can effectively reduce the risk of financial transactions on the Internet; (2) The risk of Internet financial transactions can be effectively reduced by avoiding the concentration of platform funds in the hands of a few borrowers through regulatory policies; (3) The liquidity control of funds effectively reduces the risk of Internet financial transactions. Based on the conclusions, we propose optimization strategies for regulatory policies to achieve the healthy and sustainable development of Internet finance.

주제어

표/그림 (6)

표 Variable measurement
표 Description Statistics of Main Variables
표 Correlation
표 Estimation Results of Stochastic Effects of Banking Supervision
표 Estimation Results of the Stochastic Effects of Financing Concentration and Capital Flow of P2P Online Loan Platforms
표 [Table 6] Assumption Result Establishment Table

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