Abstract: Fintech ethics is the cornerstone of high-quality development of financial services.. In view of the lack of research on systematic governance ， this paper uncovers the intricate hierarchical structure and evolutionary process through an analysis of the meaning of fintech ethics. This includes the hidden nature of technology, the diversity of its applications, the broad range of its social impacts and vertical interactions across various levels, as well as the horizontal phases of Introductory period, technological invasion, and convergence volatility and cyclical iterative growth. Our research proposes a collaborative governance structure that is guided and preventive during the convergence and volatility period. It highlights the role of a triad of government-led collaborative governance agents that connect the market and individuals. This approach emphasizes the cascade of legal intervention, market regulation, and guided ethical embedding to tackle critical issues such as policy failure, uncontrolled risk, and lack of ethical awareness. By presenting a comparative analysis of practical examples in the world's major economies, it provides recommendations for governance in China's present time with implications for promoting financial reform measures.