摘要
金融政策对互联网金融的可持续发展具有举足轻重的影响。梳理中国互联网金融政策的演化特征并对其进行评价以把握政策现况,可为后续政策的优化提供借鉴与参考。以2001—2022年中央层面出台的114部互联网金融政策为研究对象,采用文本挖掘和社会网络分析的方法探究互联网金融政策演进及特征,并运用文本挖掘提取关键词、构建PMC(Policy Modeling Consistency)指数模型,对互联网金融政策进行量化评价。研究结果表明:我国互联网金融政策在不同时期的发布量和内容各具特点,整体上呈现政府担任监管主力、风险和数据管理不断强化的特征。建议未来开展全过程、探索式、多主体协调式监管,出台具备更高法律效力的政策文件,并进一步优化文件时效性。
Financial policy has a decisive impact on the sustainable development of Internet finance. Combing and evaluating the evolutionary characteristics of China′s Internet financial policies to grasp the current situation of policies is conducive to the healthy development of China′s Internet finance and provides reference for the optimization of follow-up policies. Taking the 114 policies related to Internet finance officially released by the State Council and its constituent departments and directly subordinate institutions from January 1, 2001 to May 25, 2022 as the research object, the evolution and characteristics of Internet financial policies are explored by text mining and social network analysis, and text mining is used to extract keywords and construct PMC index models to quantitatively evaluate Internet financial policies. The research shows that the number of Internet financial policy releasing is increasing year by year, and the content is constantly refined;The release volume and content have their own characteristics in the embryonic stage, the initial stage and the growth stage.The government undertake the main force of supervision and the risk and data management are continuously strengthened. It is recommended to strengthen pluralistic co-governance in the future, pay attention to the whole process and exploratory management;attach importance to management coordination and implement financial information data protection;supplement high efficiency level policy and improve the policy effectiveness structure;clarify the validity period of policy and build a policy effectiveness system.
作者
夏雨
郭凤君
魏明侠
XIA Yu;GUO Fengjun;WEI Mingxia(School of Management,Henan University of Technology,Zhengzhou 450001,China)
出处
《河南工业大学学报（社会科学版）》
2022年第4期36-46,共11页
Journal of Henan University of Technology:Social Science Edition
基金
2019年国家社会科学基金后期资助一般项目(19FGLB043)。
关键词
互联网金融
文本挖掘
PMC指数
政策演进
量化评价
社会网络分析
Internet finance
text mining
PMC Index
policy evolution
quantitative evaluation
social network analysis
