论共享金融风险管控机制的创新构建

On the Innovative Construction of Shared Financial Risk Management and Control Mechanism

共享金融是“互联网+”大背景下衍生出的新型金融业态,在实现金融普惠、优化金融要素配置方面承担重要职能。随着信息技术应用加深,共享金融风险管控问题日益突出。深入剖析共享金融风险类别、衍生机理及特点,我们发现当前共享金融管控仍面临法律适用不明、数据漏洞难堵、管控执行迟滞、人才供给不足的难题。针对此情形,在借鉴发达国家共享金融管控经验基础上,进一步构建共享金融风险管控创新机制,并完善风险预警机制、搭建消费者保护框架、打造数据安全环境等实践路径。

Shared finance,a new financial format derived from the"Internet+"era,plays a crucial role in achieving financial inclusion and optimizing the allocation of financial elements.With the deepening application of information technology,the issue of risk management and control in shared finance has become increasingly prominent.Through an in-depth analysis of the types,derivation mechanisms,and characteristics of shared financial risks,it is found that current shared financial risk management and control still face challenges such as unclear legal applicability,difficult-to-plug data vulnerabilities,delayed implementation of control measures,and insufficient talent supply.In response to this situation,based on the experience of shared financial management and control in developed countries,this paper proposes to further construct an innovative mechanism for shared financial risk management and control,including practical approaches such as establishing a risk early warning mechanism,building a consumer protection framework,and creating a secure data environment.