摘要
互联网金融依托大数据技术深入到居民日常生活,某金融科技企业依托自身平台优势对个人消费者及小微企业从事小额贷款业务,以应收账款债权为标的进行抵押发放贷款,通过不间断的ABS循环,最终发放高额网贷.针对这一问题,国家出台相关政策叫停该企业上市,凸显了国家加强互联网金融监管的决心.本文从该金融科技企业被暂缓上市案例切入,通过对互联网金融企业风险的深入刨析,从大数据金融监管的角度出发,运用大数据的理念和技术手段提出相应监管建议.
Internet finance has penetrated into the daily life of residents with the help of big data technology.A fintech enterprise,relying on its platform advantages,engages in small loan business for individual consumers and small and micro enterprises,issues loans with the target of receivables creditor's rights as collateral,and finally issues high online loans through the continuous ABS cycle.In response to the problem,the country issued relevant policies to halt the company's listing,highlighting the country's determination to strengthen regulation of Internet finance.This paper starts from the case of the financial technology enterprise being suspended from listing.Through the in-depth analysis of the risks of Internet financial enterprises,and from the perspective of big data financial supervision,this paper uses big data ideas and technical means to put forward corresponding regulatory suggestions.
作者
金香爱
王曼迪
JIN Xiangai;WANG Mandi(Law School,Zhengzhou University,Zhengzhou 450001)
出处
《吉林农业科技学院学报》
2022年第2期55-58,112,共5页
Journal of Jilin Agricultural Science and Technology University
基金
国家社科基金项目(1338)。
关键词
互联网金融
金融科技
大数据
风险监管
Internet finance
financial technology
big data
risk regulation
