数字时代金融安全视域下网络金融欺诈的法律治理路径优化

金融安全是国家安全的重要组成部分。数字时代,网络金融欺诈违法犯罪活动具有迭代升级快、隐蔽性强、地域跨度大、涉及面广、危害性更大等特点,可能引发系统性金融风险,危害金融安全,对金融监管提出了挑战。目前,网络金融欺诈的法律治理存在三重困境:立法困境、监管执法困境及司法实践困境。网络金融欺诈的法律治理应进一步健全相关法律规范体系,完善监管执法机制,厘清司法实践的具体问题。今后,应针对网络金融欺诈,创新监管模式,增强监管手段的综合性,以科技赋能,积极运用大数据、人工智能、区块链等技术手段,提高对网络金融欺诈的综合治理能力。

Financial security is an important part of national security.In the digital age,internet financial fraud is characterized by rapid iteration and escalation,concealed means,large geographical span,wide coverage,and increased harm,which may lead to systemic financial risks,undermine financial security,and pose challenges to financial supervision.There are three dilemmas in the legal governance of internet financial fraud:legislative dilemma,regulatory enforcement dilemma and judicial practice dilemma.The legal governance of internet financial fraud should further improve the relevant legal norm system,improve regulatory and law enforcement mechanisms,and clarify the specific issues in judicial practice.In response to internet financial fraud,we should innovate regulatory models,enhance the comprehensiveness of regulatory measures,empower with technology,actively use Big Data,artificial intelligence,blockchain and other technical means to improve the comprehensive governance capacity of internet financial fraud.