技术创新视角下网络金融风险的特点及合作监控模式构建

Research on the Features and Cooperative Regulation Mode of E-Finance Risk from the Perspective of Technology Innovation

网络金融及创新活动具有几何式扩张趋势,网络金融风险具有高度隐蔽性、瞬时爆发性、极度渗透性、交叉感染性等特点,对网络金融活动的监管,也具有高度依赖网络信息技术和多主体、多角度参与的时代特征。深入分析和把握上述特征,从法律、经济、技术等角度创新监管模式,有利于及时发现和控制网络金融风险,支持金融创新的同时,保证良好的金融活动秩序。

E-Finance and innovation activities expand as geometrically,the risk of E-Finance with the characters of high concealment,instantaneous explosive,extreme permeability,cross-infective and others makes the finance regulation have the characters of highly depending on network information technology,multi-agents participation from many aspects and new era features. Analyzing and grasping the features mentioned above and innovating regulatory mode from legal,economic and technology aspects is beneficial for supervising and controling e-finance risk and supporting finance innovation in order to ensure the order of finance activity.