{"id":"https://openalex.org/W3153909535","doi":"https://doi.org/10.1155/2021/5523290","title":"Analysis of Financing Risk and Innovation Motivation Mechanism of Financial Service Industry Based on Internet of Things","display_name":"Analysis of Financing Risk and Innovation Motivation Mechanism of Financial Service Industry Based on Internet of Things","publication_year":2021,"publication_date":"2021-01-01","ids":{"openalex":"https://openalex.org/W3153909535","doi":"https://doi.org/10.1155/2021/5523290","mag":"3153909535"},"language":"en","primary_location":{"id":"doi:10.1155/2021/5523290","is_oa":true,"landing_page_url":"https://doi.org/10.1155/2021/5523290","pdf_url":"https://downloads.hindawi.com/journals/complexity/2021/5523290.pdf","source":{"id":"https://openalex.org/S207319443","display_name":"Complexity","issn_l":"1076-2787","issn":["1076-2787","1099-0526"],"is_oa":true,"is_in_doaj":true,"is_core":true,"host_organization":"https://openalex.org/P4310319869","host_organization_name":"Hindawi Publishing Corporation","host_organization_lineage":["https://openalex.org/P4310319869"],"host_organization_lineage_names":["Hindawi Publishing Corporation"],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Complexity","raw_type":"journal-article"},"type":"article","indexed_in":["crossref","doaj"],"open_access":{"is_oa":true,"oa_status":"gold","oa_url":"https://downloads.hindawi.com/journals/complexity/2021/5523290.pdf","any_repository_has_fulltext":true},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5103192405","display_name":"Luya Li","orcid":"https://orcid.org/0000-0001-6650-7822"},"institutions":[{"id":"https://openalex.org/I31683504","display_name":"Beijing Forestry University","ror":"https://ror.org/04xv2pc41","country_code":"CN","type":"education","lineage":["https://openalex.org/I1327237609","https://openalex.org/I31683504","https://openalex.org/I4210127390"]}],"countries":["CN"],"is_corresponding":false,"raw_author_name":"Luya Li","raw_affiliation_strings":["School of Economies and Management, Beijing Forestry University, Haidian 100083, Beijing, China"],"affiliations":[{"raw_affiliation_string":"School of Economies and Management, Beijing Forestry University, Haidian 100083, Beijing, China","institution_ids":["https://openalex.org/I31683504"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5101541611","display_name":"Hongxun Li","orcid":"https://orcid.org/0000-0001-8897-2485"},"institutions":[{"id":"https://openalex.org/I31683504","display_name":"Beijing Forestry University","ror":"https://ror.org/04xv2pc41","country_code":"CN","type":"education","lineage":["https://openalex.org/I1327237609","https://openalex.org/I31683504","https://openalex.org/I4210127390"]}],"countries":["CN"],"is_corresponding":true,"raw_author_name":"Hongxun Li","raw_affiliation_strings":["School of Economies and Management, Beijing Forestry University, Haidian 100083, Beijing, China"],"affiliations":[{"raw_affiliation_string":"School of Economies and Management, Beijing Forestry University, Haidian 100083, Beijing, China","institution_ids":["https://openalex.org/I31683504"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":2,"corresponding_author_ids":["https://openalex.org/A5101541611"],"corresponding_institution_ids":["https://openalex.org/I31683504"],"apc_list":{"value":2300,"currency":"USD","value_usd":2300},"apc_paid":{"value":2300,"currency":"USD","value_usd":2300},"fwci":2.8385,"has_fulltext":true,"cited_by_count":14,"citation_normalized_percentile":{"value":0.91280654,"is_in_top_1_percent":false,"is_in_top_10_percent":true},"cited_by_percentile_year":{"min":90,"max":98},"biblio":{"volume":"2021","issue":"1","first_page":null,"last_page":null},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.9453999996185303,"subfield":{"id":"https://openalex.org/subfields/1404","display_name":"Management Information Systems"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.9453999996185303,"subfield":{"id":"https://openalex.org/subfields/1404","display_name":"Management Information Systems"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/financial-innovation","display_name":"Financial innovation","score":0.7154269218444824},{"id":"https://openalex.org/keywords/financial-services","display_name":"Financial services","score":0.5450168251991272},{"id":"https://openalex.org/keywords/business","display_name":"Business","score":0.5448940992355347},{"id":"https://openalex.org/keywords/finance","display_name":"Finance","score":0.5435656309127808},{"id":"https://openalex.org/keywords/service","display_name":"Service (business)","score":0.4746870696544647},{"id":"https://openalex.org/keywords/product","display_name":"Product (mathematics)","score":0.47272342443466187},{"id":"https://openalex.org/keywords/connotation","display_name":"Connotation","score":0.4626399576663971},{"id":"https://openalex.org/keywords/service-innovation","display_name":"Service innovation","score":0.4577364921569824},{"id":"https://openalex.org/keywords/product-innovation","display_name":"Product innovation","score":0.44676390290260315},{"id":"https://openalex.org/keywords/commodity","display_name":"Commodity","score":0.41671040654182434},{"id":"https://openalex.org/keywords/marketing","display_name":"Marketing","score":0.3583430051803589},{"id":"https://openalex.org/keywords/economics","display_name":"Economics","score":0.34684133529663086},{"id":"https://openalex.org/keywords/industrial-organization","display_name":"Industrial organization","score":0.34222131967544556}],"concepts":[{"id":"https://openalex.org/C2777064627","wikidata":"https://www.wikidata.org/wiki/Q3151423","display_name":"Financial innovation","level":2,"score":0.7154269218444824},{"id":"https://openalex.org/C139043278","wikidata":"https://www.wikidata.org/wiki/Q837171","display_name":"Financial services","level":2,"score":0.5450168251991272},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.5448940992355347},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.5435656309127808},{"id":"https://openalex.org/C2780378061","wikidata":"https://www.wikidata.org/wiki/Q25351891","display_name":"Service (business)","level":2,"score":0.4746870696544647},{"id":"https://openalex.org/C90673727","wikidata":"https://www.wikidata.org/wiki/Q901718","display_name":"Product (mathematics)","level":2,"score":0.47272342443466187},{"id":"https://openalex.org/C2778120531","wikidata":"https://www.wikidata.org/wiki/Q661062","display_name":"Connotation","level":2,"score":0.4626399576663971},{"id":"https://openalex.org/C3307092","wikidata":"https://www.wikidata.org/wiki/Q6532095","display_name":"Service innovation","level":3,"score":0.4577364921569824},{"id":"https://openalex.org/C75434695","wikidata":"https://www.wikidata.org/wiki/Q7247768","display_name":"Product innovation","level":2,"score":0.44676390290260315},{"id":"https://openalex.org/C2779439359","wikidata":"https://www.wikidata.org/wiki/Q317088","display_name":"Commodity","level":2,"score":0.41671040654182434},{"id":"https://openalex.org/C162853370","wikidata":"https://www.wikidata.org/wiki/Q39809","display_name":"Marketing","level":1,"score":0.3583430051803589},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.34684133529663086},{"id":"https://openalex.org/C40700","wikidata":"https://www.wikidata.org/wiki/Q1411783","display_name":"Industrial organization","level":1,"score":0.34222131967544556},{"id":"https://openalex.org/C41895202","wikidata":"https://www.wikidata.org/wiki/Q8162","display_name":"Linguistics","level":1,"score":0.0},{"id":"https://openalex.org/C33923547","wikidata":"https://www.wikidata.org/wiki/Q395","display_name":"Mathematics","level":0,"score":0.0},{"id":"https://openalex.org/C138885662","wikidata":"https://www.wikidata.org/wiki/Q5891","display_name":"Philosophy","level":0,"score":0.0},{"id":"https://openalex.org/C2524010","wikidata":"https://www.wikidata.org/wiki/Q8087","display_name":"Geometry","level":1,"score":0.0}],"mesh":[],"locations_count":3,"locations":[{"id":"doi:10.1155/2021/5523290","is_oa":true,"landing_page_url":"https://doi.org/10.1155/2021/5523290","pdf_url":"https://downloads.hindawi.com/journals/complexity/2021/5523290.pdf","source":{"id":"https://openalex.org/S207319443","display_name":"Complexity","issn_l":"1076-2787","issn":["1076-2787","1099-0526"],"is_oa":true,"is_in_doaj":true,"is_core":true,"host_organization":"https://openalex.org/P4310319869","host_organization_name":"Hindawi Publishing Corporation","host_organization_lineage":["https://openalex.org/P4310319869"],"host_organization_lineage_names":["Hindawi Publishing Corporation"],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Complexity","raw_type":"journal-article"},{"id":"pmh:oai:RePEc:hin:complx:5523290","is_oa":false,"landing_page_url":"http://downloads.hindawi.com/journals/complexity/2021/5523290.xml","pdf_url":null,"source":{"id":"https://openalex.org/S4306401271","display_name":"RePEc: Research Papers in Economics","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"host_organization":"https://openalex.org/I77793887","host_organization_name":"Federal Reserve Bank of St. Louis","host_organization_lineage":["https://openalex.org/I77793887"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"article"},{"id":"pmh:oai:doaj.org/article:bfcb1feb00d845b58aa27fec1c81f325","is_oa":true,"landing_page_url":"https://doaj.org/article/bfcb1feb00d845b58aa27fec1c81f325","pdf_url":null,"source":{"id":"https://openalex.org/S112646816","display_name":"SHILAP Revista de lepidopterolog\u00eda","issn_l":"0300-5267","issn":["0300-5267","2340-4078"],"is_oa":true,"is_in_doaj":true,"is_core":false,"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":"cc-by-sa","license_id":"https://openalex.org/licenses/cc-by-sa","version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"Complexity, Vol 2021 (2021)","raw_type":"article"}],"best_oa_location":{"id":"doi:10.1155/2021/5523290","is_oa":true,"landing_page_url":"https://doi.org/10.1155/2021/5523290","pdf_url":"https://downloads.hindawi.com/journals/complexity/2021/5523290.pdf","source":{"id":"https://openalex.org/S207319443","display_name":"Complexity","issn_l":"1076-2787","issn":["1076-2787","1099-0526"],"is_oa":true,"is_in_doaj":true,"is_core":true,"host_organization":"https://openalex.org/P4310319869","host_organization_name":"Hindawi Publishing Corporation","host_organization_lineage":["https://openalex.org/P4310319869"],"host_organization_lineage_names":["Hindawi Publishing Corporation"],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Complexity","raw_type":"journal-article"},"sustainable_development_goals":[{"score":0.6800000071525574,"display_name":"Industry, innovation and infrastructure","id":"https://metadata.un.org/sdg/9"}],"awards":[],"funders":[],"has_content":{"pdf":true,"grobid_xml":true},"content_urls":{"pdf":"https://content.openalex.org/works/W3153909535.pdf","grobid_xml":"https://content.openalex.org/works/W3153909535.grobid-xml"},"referenced_works_count":21,"referenced_works":["https://openalex.org/W2595649571","https://openalex.org/W2744751814","https://openalex.org/W2774563647","https://openalex.org/W2788597170","https://openalex.org/W2789969579","https://openalex.org/W2792904388","https://openalex.org/W2807320938","https://openalex.org/W2808346682","https://openalex.org/W2809270980","https://openalex.org/W2884985620","https://openalex.org/W2885935516","https://openalex.org/W2892884044","https://openalex.org/W2894660049","https://openalex.org/W2898737813","https://openalex.org/W2900990205","https://openalex.org/W2907319760","https://openalex.org/W2945335951","https://openalex.org/W2945730492","https://openalex.org/W2956032212","https://openalex.org/W3043887388","https://openalex.org/W3082974932"],"related_works":["https://openalex.org/W3167685401","https://openalex.org/W2107490286","https://openalex.org/W4224234604","https://openalex.org/W2050585447","https://openalex.org/W2292279936","https://openalex.org/W2350238455","https://openalex.org/W2195853719","https://openalex.org/W2356927724","https://openalex.org/W2066982241","https://openalex.org/W2800402916"],"abstract_inverted_index":{"It":[0,81],"is":[1],"of":[2,9,24,31,40,75,86,90,97,104,113,116,159,169,181,195,210,222,271,295,311,327,333],"practical":[3],"significance":[4],"to":[5,27,249,302],"introduce":[6],"the":[7,13,19,29,38,53,58,62,68,83,87,95,99,111,121,156,164,173,176,192,206,258,262,268,277,285,293,296,303,309,312,324,331,334],"Internet":[8],"Things":[10],"technology":[11],"into":[12],"financial":[14,25,32,46,78,92,106,118,161,183,197,211,234,242,313,328],"service":[15,212,235,314],"industry":[16,213,236,315],"and":[17,22,42,65,72,102,124,149,166,171,225,256,289,330],"find":[18],"driving":[20],"factors":[21,74],"mechanisms":[23],"innovation":[26,89,115,136,143,157,170,194,208,336],"accelerate":[28],"promotion":[30],"innovation.":[33],"This":[34],"article":[35],"starts":[36],"from":[37,163,323],"perspective":[39],"banks":[41],"other":[43],"supply":[44,76],"chain":[45,77],"institutions,":[47],"takes":[48],"mainstream":[49],"trading":[50,55],"products":[51,162,184,214],"in":[52,215,238,319],"commodity":[54],"market":[56,69],"as":[57,141],"research":[59],"object,":[60],"uses":[61],"LA\u2010VAR":[63,278],"model,":[64,144,148],"fully":[66],"considers":[67],"price":[70],"fluctuations":[71],"liquidity":[73,281,286],"inventory":[79,297],"products.":[80,93,198],"analyzes":[82],"theoretical":[84,127,138],"basis":[85,96],"continuous":[88,130,193,207],"rural":[91,105,117,160,182,196],"On":[94],"analyzing":[98],"basic":[100],"characteristics":[101],"types":[103],"product":[107],"innovation,":[108],"we":[109,154],"explore":[110],"connotation":[112],"sustainable":[114],"products,":[119],"clarify":[120],"evaluation":[122,137,202],"criteria,":[123],"lay":[125],"a":[126,187,216,220,228,239,320],"foundation":[128],"for":[129,191],"dynamic":[131,188],"evaluation.":[132],"Based":[133],"on":[134,205,233],"technical":[135,145],"models":[139],"such":[140],"Schumpeter\u2019s":[142],"specifications\u2010technological":[146],"track":[147],"NR":[150],"relationship":[151,174],"model":[152,190,279],"market,":[153],"analyze":[155],"elements":[158],"external":[165,335],"internal":[167,325],"aspects":[168],"discuss":[172],"between":[175],"factors.":[177],"The":[178,273],"interaction":[179],"mechanism":[180,189],"has":[185],"established":[186],"A":[199],"fuzzy":[200],"comprehensive":[201],"was":[203,231,247],"made":[204],"power":[209],"certain":[217,240],"area.":[218],"Using":[219],"combination":[221],"remote":[223],"surveys":[224],"on\u2010site":[226],"visits,":[227],"questionnaire":[229],"survey":[230,245],"conducted":[232],"institutions":[237,329],"region\u2019s":[241],"system.":[243],"Each":[244],"object":[246],"required":[248],"conduct":[250],"120":[251],"\u00d7":[252],"1067":[253],"index":[254,304],"comparisons":[255],"use":[257],"data":[259],"after":[260],"processing":[261,270],"arithmetic":[263],"average":[264],"Matlab":[265],"carries":[266],"out":[267],"objective":[269],"programming.":[272],"results":[274],"show":[275],"that":[276],"with":[280],"indicators":[282],"can":[283],"measure":[284],"risk":[287,294],"well":[288],"more":[290],"comprehensively":[291],"evaluate":[292],"pledge":[298],"financing":[299],"model.":[300],"According":[301],"weights":[305],"determined":[306],"by":[307],"AHP,":[308],"development":[310],"will":[316],"be":[317],"promoted":[318],"targeted":[321],"manner":[322],"construction":[326],"optimization":[332],"environment.":[337]},"counts_by_year":[{"year":2025,"cited_by_count":1},{"year":2024,"cited_by_count":6},{"year":2023,"cited_by_count":1},{"year":2022,"cited_by_count":6}],"updated_date":"2026-04-04T16:13:02.066488","created_date":"2025-10-10T00:00:00"}
