摘要
不同于传统个人金融业务的授信理念,成长链金融理论创新性提出了个人整体生命周期授信思路,结合多元化金融工具契合了不同个体在其各生命周期阶段性的金融需求,对于金融模式的创新具有理论和实践的重要贡献。然而,这一新兴的金融模式理论能否有效地解决目前个人授信业务中的低效率、逆向选择和道德风险等问题,就取决于它能否实现个人成长链金融风险的可控性并突破传统阶段性授信模式的局限。采用中国宏观数据及南京市居民的10 000人网络抽样调查数据,一方面,基于适当的经济学假设和经济学思维构建了成长链金融风险控制理论模型,对个人成长链金融风险的可控性进行了论证;另一方面,提出利用"个人终生信贷率"作为个人成长链金融风险测度,并利用H-P滤波分解模型进行实证分析,进一步分析成长链金融风险的可控性。最后,提出完善个人成长链金融风险控制的合理化对策。
Different from traditional personal financial business credit concept, growing chain of financial theory innovation put forward personal whole life cycle of credit ideas, combined with diversified financial tools to fit the different individuals in the financial needs of each life cycle stage for the innovation of the financial model with the theory and practice of the important contributions. How- ever, this new mode of financial theory can effectively solve such problems of the current personal credit business as low efficiency, adverse selection and moral hazard, which depends on whether it can achieve personal growth chain of financial risk control and breaks through the traditional mode of periodic credit limits. This paper will use China＇s macro data and sampling survey of 10 000 people online data of Nanjing residents. On the one hand, based on the economics of appropriate assumptions , the growth economics thinking chain model of financial risk control theory is built to demonstrate the personal growth chain of financial risk control. On the other hand, using ＂personal credit rate for life＂ as a personalgrowth chain financial risk measure, and by using empirical analysis, further analysis of the growth suggestions for consummating the personal growth risk control are given. H-P filter decomposition model to carry on the chain control of financial risk is made. Finally, chain rationalization countermeasure of financial
出处
《河北科技大学学报（社会科学版）》
2016年第3期1-8,共8页
Journal of Hebei University of Science and Technology:Social Sciences
基金
江苏省互联网金融协会省级项目(2016SHJ04)
关键词
个人成长链金融
风险控制
风险测度
H-P滤波分解
.personal growth chain finance
risk control
risk measure
H-P filter decomposition
