网络社交场景中金融活动的风险治理

Risk Management of Financial Activities in Online Social Scene

网络社交金融沿着社会分工带来的职能资本裂变而不断发展,为社会成员实现自身需求提供了更广阔的选择空间和判断标准,对社会生产方式和生产关系调整产生了重要影响。网络社交金融的发展特性,与网络社交成员的关系协调、社群权利规则的生成环境和演进机制一起,对金融运行和风险管理产生作用。网络社交场景中金融交易的金融本质尚未发生变化,也未创设出新的金融功能,但网络社交金融活动场景的多样性和跨界融合,以及社交关系的复杂蕴含着金融风险。以生产方式和生产关系调整为中心的探讨,可以丰富网络社交金融的内涵与外延,为网络社交金融风险治理提供适配国情的政策启示。

Financial activities in online social scene provide a wide range of choices and criteria for social members to meet their own needs;to some extent,the mode of production and production relations have been changed.Social finance continues to develop along with the division of functional capital brought about by social division of labor.The development characteristics of social finance,the relationship coordination among social members,and the generation environment and evolution mechanism of community rights rules play an important role in financial operation and risk management.The financial nature of social finance has not changed,nor has it created new financial functions.However,the diversity of social finance scenarios and cross-border integration,as well as the complexity of social relations,imply financial risks.Centered on the adjustment of production mode and production relations,the research centered on the adjustment of production mode and production relationship can enrich the connotation and extension of social financial risk management,can also provide policy implications for social financial management.