Study On The Governance Optimization Of Internet Financial Incidents

Although nearly two years of Internet financial corresponding policy tightening in China,because of its extremely rapid development,Internet financial service business is also in changes,the corresponding regulatory policy is slightly lags behind,the corresponding functions of the government is not yet perfect,the masses of the financial industry,the Internet is also a lack of vigilance,lead to Internet financial platform emerge in endlessly,triggered a lot of social contradictions.If these accumulated social contradictions can not be properly guided,they will immediately change from network cluster behavior to offline cluster behavior rapidly,and further form mass incidents with demands,resulting in public crisis.How to properly resolve and deal with mass incidents caused by thunderstorms on Internet financial platforms is a public management problem that must be faced in the current era.Through literature review,it is found that most domestic scholars focus on the supervision of the Internet finance industry,in order to guide enterprises to the path of benign development,so as to avoid social crisis caused by malignant development.But our government regulation in this field are inexperienced,and couldn’t keep up with the industry’s development speed,so this article emphasizes the governance refers to the corresponding platform has ray,have social crisis,the government in order to prevent the crisis,according to the development of phase change and the feature of the event,in view of the involved enterprises and the masses to carry out the job cuts crisis,more relevant current situation in our country.First of all,this paper starts from discussing the research scope of mass disturbances in Internet finance.The research scope is not limited to the mass disturbances caused by thunderstorms in traditional Internet finance enterprises and platforms,but also covers some non-financial service platforms.In fact,it is still engaged in the new Internet financial enterprises of online investment,financing and other business projects and the mass disturbances caused by the explosion of the platform,such as long-term rental apartment.Secondly,this paper sorted out the status quo of the Internet financial industry through a large number of literature analysis,summarized the characteristics of the Internet financial group events,and summarized the main characteristics,scale characteristics,frequency characteristics and behavior characteristics of the Internet financial group events.At the same time,according to 4R public crisis management theory,the Internet financial mass incidents are divided into four stages of development,namely germination stage,fermentation stage,outbreak stage and subside stage,according to different crisis degrees in the process of event development.The stage of germination is that group consciousness has not formed and discontent has not been widely spread.The fermentation stage is online aggregation and emotional diffusion.The outburst stage is offline gathering and further emotional diffusion stage.The pacification stage is the stage of crisis resolution and preventing the recurrence of group activities.Thirdly,this article selects two cases happened in recent years,domestic online-calf and eggshell apartment events,through analyzing cases,four stages in the development of mass incidents,respectively,the government governance measures to carry out the analysis of the disadvantages of this event in the process of upgrading the government involved in governance problems and analyze the reasons.Finally,based on the guiding ideology of 4R crisis management theory,group polarization theory and collaborative governance theory to reduce public relations crisis,according to the above analysis of the characteristics of Internet financial group events and characteristics of development stage,and the analysis of the problems and causes of the current government’s countermeasures,Put forward a relatively complete governance strategy for the government to deal with Internet financial mass incidents and implement the whole development process of the event: timely integration of information in the germination stage,the establishment of platform lightning warning mechanism;Freezing public investment funds,closing investment channels and controlling the managers of the enterprises involved.In the fermentation stage,special online channels for safeguarding rights were opened,Internet drainage was carried out,and illegal personnel were punished;Master the accounts of rights protection groups,master the identity information of rights protection group members,and establish the information database of people involved in mass incidents;Door-to-door emotional counseling work,the establishment of network early warning mechanism,do a good job in the on-site disposal of mass incidents.In the outbreak stage,an offline gathering early-warning mechanism was established to dissuade those involved;Party committees and governments should give priority to communication and persuasion.Report on the status quo of the industry,report on government work,and publicize the rule of law;We should improve the quality of mediators and establish a multi-mechanism for mediation and enforcement.This paper argues that the governance of mass incidents in Internet finance is a long and complicated process,and the government’s governance measures should fully go into each stage of the development of mass incidents.In addition,in the escalation stage,the government should also improve some necessary mechanisms and policies to assist in the governance of mass incidents in this field,so that the relevant governance subjects have laws to follow and evidence to follow when the incidents occur.