Research On The Identification And Governance Of Moral Hazard In Financial Innovation

The rapid development of "Internet +" has brought about profound changes in the traditional financial industry,and financial innovations have emerged in an endless stream.The healthy and orderly development of financial innovation has become the premise and foundation for the long-term development of the financial industry,and plays an irreplaceable role in building a harmonious socialist society.Financial moral hazard has spread with the diversification of financial innovation forms,which has seriously hindered the healthy development of the financial industry.The prevention of financial moral hazard in financial innovation has become an important issue in current economic work.Based on it,the author is based on the intersection of information economics and financial ethics,using stakeholder theory,using the network platform of Internet loan home,Hexun.com and corporate website to collect data and empirical analysis of Internet financial network lending platform to study the impact.The internal and external stakeholder influence factors of moral hazard in financial innovation aim to improve the financial moral hazard prevention ability of financial enterprises in financial innovation.The specific content includes:(1)Through literature review,understand the frontier theory of financial innovation and financial moral hazard,analyze the internal and external possible factors of moral hazard arising from the process of financial innovation based on stakeholder theory,and construct the moral hazard impact in the process of financial enterprise innovation.The factor model,and based on this,proposes research hypotheses.(2)Select 590 network lending platform data samples,and use SPSS22.0 statistical software to carry out financial innovation on the reliability analysis,fitting effect analysis,descriptive statistics of main variables and regression analysis.An empirical study of internal and external factors affecting moral hazard.The research results show that financial enterprise operators and employees' ethical responsibility and financial enterprise compliance management are the main internal factors affecting the moral risk behavior of financial enterprises in the process of innovation;financial enterprise conscious information disclosure and the credit index of the financial enterprise's region are affecting financial innovation.The main external factors of moral hazard.(3)The regulatory path of moral hazard prevention in financial innovation based on stakeholder theory.On the basis of the previous chapters,the focus is on strengthening the cultivating the moral responsibility of business operators and employees,strengthening the self-discipline construction of enterprises,improving corporate culture construction,building a new data credit system and strengthening social ideological and moral education.Proposal for the possibility of promoting the prevention of financial moral hazard.