Research On Network Risk Dispersion Mechanism In The Era Of Digital Economy

The future development of the world economy will show new characteristics of economic differentiation,low-carbon and digitalization.Its distinctive feature is the comprehensive application of digital communication technology to empower economic development and create a new form of digital economy.Under the digital economy system,development and security are dialectically unified.In recent years,cyber risk governance has become an important security issue,which has seriously hindered the development of the digital economy.In order to resolve the prominent contradiction between the digital economy and cyber risk,the insurance market and the cybersecurity market have made many efforts,but the problem of cyber risk is still an important hidden danger in the development of the digital economy.This paper mainly studies the practical contradiction between weak network security protection mechanism and prominent network risk,introduces the concept of risk diversification governance,and constructs a domestic network risk dispersion mechanism that combines risk identification,assessment and control.This paper first defines the concept of cyber risk,analyzes the intrinsic meaning of cyber vulnerability and cyber resilience,and explains the detailed work required by cyber risk dispersion mechanism to strengthen cyber resilience.On this basis,this paper proposes a comprehensive three-dimensional definition of cyber risk.In terms of theoretical foundation,mainly starting from the theory of public goods,information asymmetry theory and market failure theory,this paper analyzes the reasons why the government should provide public governance of network risks and the failure of the network insurance market,so as to lay a theoretical foundation.Secondly,cybersecurity insurance is the main risk transfer method for cyber risk,and this paper analyzes its market.Based on the research on the role positioning,main characteristics and market status of cybersecurity insurance,this paper mainly analyzes the reasons for the failure of the cybersecurity insurance market from the supply and demand sides.The supply-side problems of the cybersecurity insurance market are highlighted by the small types of policies,strict and complex terms,lack of databases,and insufficient profit margins.The problems on the demand side are manifested as imbalance in the risk management structure,insufficient awareness of rights protection,and insufficient awareness of insurance.The problems shown on both sides of supply and demand have inhibited the development of the cybersecurity insurance industry to a certain extent.Thirdly,this paper designs a three-dimensional network risk dispersion mechanism combining horizontal and vertical combinations.Through the objectives and principles of the overall mechanism,the overall framework is designed,and the ratio of rights and responsibilities of each subject element in the mechanism is further designed and improved,and it is clarified that the participation of multiple parties is the basis for the operation of the mechanism,and the risk sharing of multiple parties is the guarantee of the operation of the mechanism.Under the overall risk diversification mechanism,the insurance market will be the main risk transfer tool,and government agencies will rely on direct intervention and indirect intervention to stabilize the market and ensure that the mechanism can play a risk diversification role.Finally,in order to ensure the more effective and stable implementation of the cyber risk diversification mechanism,this paper proposes that the cyber risk diversification mechanism should be implemented as a gradual pilot program based on the actual environment of market,policy and technology.Based on regional development differences and the actual situation of risk diversification levels,this paper selects regional step-by-step and hierarchical step-by-step pilot schemes in order to obtain more practical experience of the mechanism.Finally,the full-text research content is summarized and the research results are refined.