冒烟指数：大数据监测互联网金融风险

doi:10.11959/j.issn.2096-0271.2018042

Abstract

Abstract:

Based on the big data concept and techniques in the financial regulation,smoke index was taken as the core technology to the Internet financial risk monitoring system,and the real-time monitoring and integration of multi-heterogeneous risk information were carried out and a set of “people”,“capital” and “business” risk assessment indexes by using technologies such as big data,cloud computing and artificial intelligence were built.The means and efficiency of routine supervision of Internet financial risks were enhanced and optimized,and factual basis and data reference for the regulatory agencies’ decision-making was provided.

Key words: big data technology, multivariate heterogeneous information, smoke index, Internet finance, risk monitoring

CLC Number:

Chonggang LI, Huiquan XU. Smoke index:big data technologies monitor Internet financial risks[J]. Big Data Research, 2018, 4(4): 76-84.

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冒烟指数分值	风险区划分	差异性处置策略	风险特征备注
80,100]	取缔类	移交线索	经营模式不合规、非法集资行为明显；存在大量负面新闻报道及网络投诉，易导致投资人群体性上访事件等，非法集资风险极高、不可控
60，80)	重点关注类	约谈整改	经营模式不合规，存在大量负面新闻报道及网络投诉行为；非法集资风险很高且有可能上升，处于高风险预警区
40，60)	重点监测类	规劝改正	非法集资风险较高，经营模式存在一定的不合规行为；媒体负面信息报道较少，网络投诉较多；风险较大但具有可控性
20，40)	可疑类	持续监控	存在非法集资的可能性，经营模式有某些不合规行为，但危害程度较小，存在一些网络投诉信息，但不涉及公司经营的根本问题
0，20)	正常类	—	没有明显非法行为，经营模式和宣传方式较为合规，收益率处于业内正常范围，网络投诉很少，鲜有负面新闻报道

Smoke index:big data technologies monitor Internet financial risks

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