基于金融科技上市公司的企业风险研究

通过广泛阅读相关文献,对发现企业面对的风险、风险出现的原因进行研究,采用Python爬虫获取金融科技上市企业数据及不同种类的风险事件的数据,再进行数据分析和金融科技与企业风险相关性研究.通过数据集对模型的验证,得出模型的正确率为0.834.结果表明:企业刚进入金融科技业务模块,提高了企业效率,降低了企业风险,随着金融科技发展的逐步深入,金融科技在企业中占比越来越多时,企业风险随之变高;同时,企业地区经营范围和企业年限带来的风险容易组合出现,企业规模和高管薪酬造成的风险容易组合出现,企业年限、企业利润和企业高管薪酬带来的风险容易组合出现,要特别注意企业年限和高管薪酬,原因在于容易与别的因素组合带来风险组合效应.

Research on Enterprise Risk Based on Financial Technology Listed Companies

Through extensive reading of the relevant literature, in order to discover the risks faced by the company, the reasons for the risks and the measures that need to be taken are studied, and python crawlers are used to obtain data on financial technology listed companies and data on different types of risk events, and then conduct data analysis and finance Research on the correlation between technology and corporate risk. Through the data set verification of the model, the accuracy rate of the model is 0.834. The result shows that the financial technology index and corporate risk present a U-shaped relationship. When the company has just entered the financial technology business module, it has improved corporate efficiency and reduced corporate risk. With the gradual deepening of the development of financial technology, when financial technology accounts for more and more enterprises, corporate risks become higher.