信用风险防范视角下的数字金融探析

随着科学技术在金融领域的飞速发展,数字金融正在逐渐取代传统金融模式而成为经济社会的主要金融服务方式,然而,数字金融是一把“双刃剑”,给我们带来便利的同时也带来了信用风险。在对数字金融与传统金融进行比较分析的基础上,总结数字金融信用风险的形成原因和重要特征,梳理了数字金融信用风险评估的理论与模型,最后结合我国数字金融发展的实际情况,就数字金融信用风险管理提出完善法律法规、建立信用风险评估体系、健全个人征信体系、实行“沙盒”管理、转变监管模式、强化知识教育的对策。

Analysis of Digital Finance from the Perspective of Credit Risk Prevention

With the rapid development of science and technology in the financial field,digital finance is gradually replacing the traditional financial model and becoming the main financial service mode in the economic society.However,digital finance is a“double-edged sword”,which brings us convenience as well as credit risk.Based on the comparative analysis of digital finance and traditional finance,this paper summarizes the causes and important characteristics of digital financial credit risk,combs the theory and model of digital financial credit risk assessment,and finally,combined with the actual situation of digital financial development in China,puts forward the countermeasures for digital finance credit risk management,such as perfecting laws and regulations,establishing credit risk assessment system,perfecting personal credit system,implementing“sandbox”management,changing the supervision mode and strengthening knowledge education.