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.

摘要： 金融科技伦理是金融服务高质量发展的基石。鉴于学界在系统性治理方面研究不足，本文通过金融科技伦理的内涵剖析，揭示层次结构与演化过程的复杂性特征，包括技术隐蔽性、应用多样性、社会影响广泛性以及跨层次的纵向交互作用，还有横向的导入期、技术入侵期和融合波动期以及周期性迭代增长。接着，构建针对融合波动期的引导性和预防性的协同治理架构，凸显以政府为主导并连接市场和个人的三元协同治理主体作用，强调从法律干预、市场调节到引导伦理嵌入的层层递进，以解决政策失灵、风险失控和伦理意识不足等主要问题。最后，对比分析世界主要经济体在金融科技伦理问题治理方面的规制措施和实例并给出治理建议，对于我国金融生态系统建设具有积极的意义。