摘要
第三方支付作为互联网金融产业链的核心环节迅速崛起,针对其行业金融风险的识别与防控日益受到重视。为弥补国内第三方支付行业金融风险指标体系的量化测度短板,本文基于风险导向视角筛选并构建了涵盖3类一级指标和12个二级指标的风险可量化评价指标体系,并收集232家拥有支付牌照的公司的相关数据,运用主成分分析方法对国内第三方支付平台金融风险进行实证分析。结果显示:国内第三方支付行业的市场风险主要与寡头企业的市场份额占比和平台逾期率相关;资金损失类风险事件的损失金额占比以及注册资本是信用风险的主要影响因素;法律风险产生的主要原因是由于反洗钱能力以及市场交易规模。文章最后分别从政府、企业及用户的视角提出了相应的对策建议,以期为第三方支付行业风险管控提供参考依据,助力完善我国第三方支付风险防控体系。
As the core link of the Internet financial industry chain,the rapid rise of third-party payment has attracted increasing attention to the identification and prevention of financial risks in the industry.In order to make up for the shortcomings of the quantitative measurement of the financial risk index system of the domestic third-party payment industry,this paper selects and constructs a risk quantifiable evaluation index system covering 3 categories of first-level indicators and 12 second-level indicators based on a risk-oriented perspective,and collects the relevant data of 232 companies with payment licenses.The principal component analysis method is used to empirically analyze the financial risks of domestic third-party payment platforms.The results show that the market risk of domestic third-party payment industry is mainly related to the market share ratio of oligarchs and the platform late rate.The loss amount and registered capital are the main factors affecting credit risk.The main reasons of legal risk include anti-money laundering capability and market transaction scale.Finally,this paper puts forward corresponding countermeasures and suggestions from the perspective of the government,enterprises and users,in order to provide reference for the risk control of the third-party payment industry and help to improve the risk prevention and control system of the third-party payment in China.
作者
宋继伟
陈胜利
SONG Ji-wei;CHEN Sheng-li(School of Management,Xi'an University of Finance and Economics,Xi'an 710100)
出处
《财务与金融》
2022年第6期45-51,66,共8页
Accounting and Finance
关键词
第三方支付
金融风险
风险测度
主成分分析
风险控制
Third-Party Payment
Financial Risk
Risk Measurement
Principal Component Analysis
Risk Control
