CAJ | 학술논문

互联网移动支付、云计算、大数据、社交网络的出现,标志着我国传统金融业与互联网、移动互联网开始紧密融合。大多数金融机构已将业务及产品服务延伸至互联网。以“金融线上化”为代表的互联网金融模式,不仅深刻地改变了传统的生活方式,同时也极大地影响了“一行三会”的监管理念和具体实践。互联网金融已成为金融生活中无法忽视和回避的话题。互联网金融对具体金融机构的运行机制及其面临的信用风险状况的影响,更是引发了学界和从业人士的高度关注。本文首先讨论了互联网金融信用风险的理论,然后使用Eviews统计软件中的邹检验（Chow test）方法和虚拟变量法进行计量分析析,从实证的角度研究了互联网金融对我国金融机构风险中的信用风险所产从生的变化及其影响,并提出相关对策。
호련망이동지부、운계산、대수거、사교망락적출현,표지착아국전통금융업여호련망、이동호련망개시긴밀융합。대다수금융궤구이장업무급산품복무연신지호련망。이“금융선상화”위대표적호련망금융모식,불부심각지개변료전통적생활방식,동시야겁대지영향료“일행삼회”적감관이념화구체실천。호련망금융이성위금융생활중무법홀시화회피적화제。호련망금융대구체금융궤구적운행궤제급기면림적신용풍험상황적영향,경시인발료학계화종업인사적고도관주。본문수선토론료호련망금융신용풍험적이론,연후사용Eviews통계연건중적추검험（Chow test）방법화허의변량법진행계량분석석,종실증적각도연구료호련망금융대아국금융궤구풍험중적신용풍험소산종생적변화급기영향,병제출상관대책。
The emergence of mobile payment, cloud computing, big data and social network has symbolized the combination of traditional finance and Internet. Most of financial players have offered their products and services. Internet finance has greatly influenced not only the traditional lifestyle, but also the regulatory body＇s supervision values and practices. Internet finance has been visible and unavoidable, which is reshaping the mechanism of Chinese financial sectors and reconstructing the risks in all kinds of financial products and derivatives. The paper focuses on the theory of internet finance risk, uses Chow test and virtual variable method with Eviews software to analyze credit risks and give the detailed empirical proofs. At the same time, the paper offers the corresponding countermeasures.