新金融风险特征、种类以及新金融风险管理对策研究

New Financial Risk Characteristic, Kind and New Financial Risk Management Countermeasure

伴随着数字经济的发展,数字技术已经在金融领域得到广泛应用并产生了深度影响。传统金融已经迈入以数字技术为基因、金融底层的架构发生根本变化的新阶段,并由此衍生出新金融的概念。新金融源于传统金融但高于传统金融,在管理模式、风险管理、产品构建、成本控制等方面发生了基础变化。新金融的本质特征是“新”,“新”意味着前所未有,代表了成长的生命力,具有探索性的新生事物,这也同时意味着由于“新”带来了一系列新风险。因此,新金融风险加上与传统金融风险的叠加,使新金融的风险更加具有不可预测、预控等多个新特点。通过对新金融的风险特点的分析,本着问题导向的原则,分别就数字技术中大数据、区块链、人工智能、物联网、元宇宙金融风险种类及表现的研究,针对各类新金融风险提出相对应的管理方案与对策,构建相应的新金融风险管理体制与机制,切实加强新金融的风险管理,有利于充分发挥新金融助力实体经济发展的新功能。

With the development of digital economy, digital technology has been widely used in the financial field and has a deep impact. Traditional finance has entered a new stage in which digital technology is the gene and the underlying structure of finance has undergone fundamental changes, from which the concept of new finance has been derived. New finance originates from traditional finance but is higher than traditional finance. It has undergone fundamental changes in management mode, risk management, product construction, cost control and other aspects. New financial is the essential characteristics of the “new”, and “new” means an unprecedented, represents the growing vitality, has something new exploratory. It also means that “new” has brought a series of new risks. Therefore, the superposition of new financial risks and traditional financial risks makes the new financial risks more unpredictable and pre-controlled. Based on the analysis of the risk characteristics of the new finance and the problem oriented principle, this paper studies the types and manifestations of financial risks in big data, block-chain, artificial intelligence, Internet of Things and the meta-universe in digital technology. It puts forward corresponding management plans and countermeasures for various new financial risks to build corresponding new financial risk management systems and mechanisms, effectively strengthen the risk management of new finance, which is conducive to giving full play to the new function of new finance to help the development of the real economy.