网络借贷行业协同治理研究

A Study of the Collaborative Governance of Online Lending Industry

作为信息技术与金融融合发展产生的新型业态之一,网络借贷在中国的发展经历了大起大落。这种行业发展的波动性反映出了传统行业治理模式的局限性。本文在分析了网络借贷业务特殊性对传统治理模式的挑战后,借鉴协同治理理论和网络理论的相关研究成果,设计了网络借贷行业的协同治理体系,以“结构-过程-关系”范式分析了这一体系的构成要素以及要素之间的关联。该协同治理模式的构建不仅适用于网络借贷行业,也适用于相关金融创新业务的治理问题。

As one of the new business forms emerging from the integration of information technology and finance,the development of online lending in China has experienced ups and downs.This volatility of industry development reflects the limitations of traditional industry governance models.After analyzing the challenges imposed by the unique features of the online lending business to traditional governance models,this paper draws on the research results of collaborative governance theory and network theory,designs a collaborative governance system for the online lending industry,and analyzes its constituent elements and relationships between the elements in a structure-process-relationship paradigm.The construction of this collaborative governance model is not only applicable to the online lending industry,but also to governance issues in relevant innovative financial businesses.