基于大数据的金融创新及其风险分析理论

We are now entering into the big-data era which has brought more opportunities for research in the field of finance. Not only have the big data technologies made it easier to obtain interactive data and more amplified microcosmic dataset, but also have increased the variety of dataset used for financial decision making process as well as decreased the cost for obtaining necessary data. . Based on the big data, the research mainly aims to provide new solutions to problems occurred during the development process of Chinese management practices as well as enhance individuals’ cognition about the principals of financial market, through conducting research on new methodologies and practices driven by big-data era in the field of finance. Detailed research may include the followings: observing the behavioral evolution process of market participants; designing advanced pricing techniques for financial products and services; stimulating service innovations among financial institutions; discovering new paradigms in the field of systemic risk management for market regulation purposes.

大数据为金融研究带来的机遇主要表现在：更容易获得交叉关联的金融数据、更加丰富的微观数据、可供金融决策分析的数据种类的增加以及获取信息成本的降低。.本申请旨在从大数据背景下金融市场参与者行为演化与规律的研究、金融产品与服务定价方法的研究、金融服务机构业务模式与服务创新研究以及金融市场监管及体系性风险管理的角度，丰富和深化人类对金融市场本质规律的认识，探索基于金融大数据的资产定价新理论、新方法，推动基于大数据的金融创新、市场监管以及体系性风险管理研究，为管理实践中更好的利用大数据进行决策提供新方法。

金融研究在大数据时代面临的机遇主要有：更容易获得交叉关联的金融数据、拥有更加丰富的微观数据、可供金融决策分析的数据种类的增加以及获取信息成本的降低。.本项目集中对大数据背景下金融市场参与者行为演化与规律，基于大数据的金融产品与服务定价方法，大数据背景下的金融服务机构业务模式与服务创新，基于大数据的金融市场监管及体系性风险。本项目，丰富和深化人类对金融市场本质规律的认识，探索基于金融大数据的资产定价新理论、新方法，推动基于大数据的金融创新、市场监管以及体系性风险管理研究，为管理实践中更好的利用大数据进行决策提供新方法。