政府治理维度下互联网金融发展面临的风险与治理对策研究

互联网金融在快速发展的过程中面临着多种不同形式的金融风险，对政府治理提出了挑战。基于互联网金融风险的成因，为解决互联网金融发展带来的治理问题，可以从政府与市场、政府自身及政府与社会3个层面入手，提出相应的治理策略。信息技术水平与安全因素导致了治理的信息和时机差，需要政府加强信息获取和信息分析能力；风险管理能力及经验因素导致了治理的层级差，需要政府科学划分央地权责；风险意识及信用水平因素导致了治理的规模差，需要政府建立风险评级体系和征信体系。这是金融学和管理学相融合的新的研究范式，在政府治理维度下对互联网金融发展面临的风险与治理策略的深入探究将会有效推进互联网金融治理。

Research on the Risks and Governance Countermeasures of Internet Finance under the Dimension of Government Governance

In the process of rapid development of Internet finance, there are many different forms of financial risks, which pose challenges to government governance. Based on the causes of Internet financial risks, in order to solve the governance problems brought about by the development of Internet finance, we can start from three levels of the government and the market, the government itself, and the government and society, and propose corresponding governance strategies. The level of information technology and security factors have led to poor governance information and timing, requiring the government to strengthen information acquisition and information analysis capabilities; risk management capabilities and experience factors have led to poor governance levels, requiring the government to scientifically divide central and local powers and responsibilities; risk awareness and The credit level factor leads to the poor scale of governance, which requires the government to establish a risk rating system and a credit reporting system. This is a new research paradigm that integrates finance and management. In-depth exploration of the risks and governance strategies faced by the development of Internet finance under the dimension of government governance will effectively promote Internet finance governance.