基于大数据的地方金融风险协同治理机制研究

The Research on the Collaborative Governance Mechanism of Local Financial Risk Based on Big Data

当前,债务风险、房地产风险、非法金融风险等地方正式与非正式金融风险交织,源头多元、结构复杂、外溢性强,大数据的资源和技术优势使得破解地方金融风险治理难题成为可能。本文从主体多元、系统协同、组织协同及规则协同四个角度系统分析了基于大数据的地方金融风险协同治理的基本框架,剖析了地方金融风险大数据治理中存在的问题,据此,从实质参与、实质行动、共享动机、联合保障角度提出了基于大数据的地方金融风险协同治理机制,以期提升地方金融风险治理效能。

Preventing financial risk,is the crucial content in the report of the 20^(th)C.P.C.conference.Currently,the formal and unformal financial risk as debt risk,real estate risk,illegal financial risk mutually connected,showing diversified origins,complex structure,and stronger spillover effect characteristics.And the advantages of resource and technology of big data make it possible to solve the difficulties of local financial risk governance.From the multiple subjects,systematical collaboration,organizational collaboration and rule collaboration perspectives,this article systematically analyzes the collaborative governance framework of local financial risk based on big data,and further analyzes the problems existed in the governance process accordingly.Therefore,we proposal the collaborative governance mechanism of local financial risk based on big data from substantially participate,substantially action,sharing motivation,associated guarantee perspectives,to promote the governance efficiency of local financial risk.