Based on this, this monograph takes “Research on the Evolution Mechanism and Risk Control Model of the Network Financial Ecosystem under the Background of Multi-Technology Integration” as its theme, attempting to construct an interdisciplinary analytical framework. This book will first sort out the development stages and ecological transformation trends of online finance, and then reveal the reshaping effect of the integration of blockchain, big data and artificial intelligence on platform structure and business models. It will also explain the logic of user stickiness and trust construction from the perspective of value creation and collaboration mechanisms. In the risk research section, this book will analyze risk types, cross-platform propagation paths, and diffusion mechanisms in highly coupled environments from a systematic perspective, and demonstrate their dynamic evolution process through evolutionary models. In the section on risk control innovation, this book will explore identification and early warning methods based on big data and artificial intelligence, propose a trusted risk control system in combination with blockchain technology, and emphasize the adaptive optimization path of intelligent risk control in a dynamic environment. In the section on trust and governance, this book will combine the interactive logic of technological trust and institutional trust to propose culturally sensitive paths for the construction of platform governance structures and rules, in order to ensure a balance between global expansion and local adaptation. Finally, this book will put forward strategic suggestions for promoting the orderly evolution of the online financial ecosystem under the framework of multi-party co-governance, with the aim of achieving the unity of innovation efficiency and institutional security.

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