数字经济时代网络风险分散机制构建研究

Research on the Construction of Netwbrk Risk Dispersion Mechanismin Digital Economy Era

我国始终坚持数字经济发展与安全的良性互动,而日益严峻的网络风险对现有数字经济体系形成巨大威胁。单纯依靠市场治理难以解决网络风险问题,亟需建立公共治理与私人治理相结合的网络风险分散机制框架,以应对不断演变的网络风险格局。本文在剖析网络安全保险角色定位及供需问题的基础上,构建了数字经济时代横纵结合的多层级网络风险分散机制整体框架,并进一步分析其实施环境与实施方案,以期解决数字经济发展进程中的安全问题。

China has always adhered to the benign interaction belween digital economy development and security.However,the increasingly severe cyber risks pose agreat threat to the existing digital economy system.Iisdifficult to solve the cyberisk problem by relying on market governancealone,and there is an urgent need to establish a framework of cyber risk diversification mechanism combining public and private governance to cope withthe evolving cyber risk patern.Based on the analysis of cyber securiy insurance role positioning and supply anddemand issues,this paper constructs an overallframework of a multi-layered cyber risk dispersion mechanism inthe digital economy era with horizontal and vertical integration,and further analyzes its implementation environment andimplementation scheme in orderto solvethe security problems in the process of digital economy development.