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普惠金融、风险准备金与投资者保护 ———以平台承诺担保为例
主题 : 风险管理
金融创新的快速发展,极大提高了金融包容性,促进了普惠金融的发展.然而,其风险性逐渐与普惠性相背离.通过构建信息不对称下平台投资理论模型,探讨不同项目风险特性下的承诺可置信性,我们发现,在风控不足风险较大的网络平台,风险准备金成为庞氏骗局的手段;在风控较好风险较小的机构如银行,风险准备金是防止挤兑、保障投资者利益的有效手段.本文为规范金融市场提供了重要理论支撑, 确认机构风险是设立风险准备金的关键.