网络金融犯罪是利用现代信息技术实施的一类新型犯罪, 具有极强的破坏性与恶劣的社会危害结果.本文在总结以往研究基础上, 以风险为研究对象, 以金融创新与技术创新为切入点, 从金融创新、金融风险与金融犯罪, 技术创新、技术风险与网络犯罪两个角度揭示了网络金融犯罪的形成机理, 从金融层面、网络科技层面、金融与网络科技的耦合层面推演了网络金融犯罪的演化路径, 并提出丰富风险理论内涵、构建治理技术体系, 优化现有监管机制、实现有效监管目标, 完善刑事政策策略、控制网络金融犯罪等治理策略.%Internet financial crime is a new type of crime implemented by modern information technology, which is extremely destructive and has a bad social influence.Based on the in-depth study of previous research, this paper takes risk as the research object, with finance innovation and technology innovation as the breakthrough point, reveals the formation of the internet financial crime mechanism from the two angles which are finance innovation, financial risk and financial crime, technology innovation, technology risk and cybercrime.It also deduces the evolution path of Internet financial crime from finance level, Internet technology level and the coupling level of finance and Internet technology.Based on our analysis, we suggest that the governance strategy of Internet financial crime should include enriched risk theory, establishment of governance technology system, optimized existing regulatory mechanism, and improved criminal policy so that we can achieve the goal of effective regulation and crime control.
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