With the efforts of policies，enterprises and technologies，Chinese financial technology has developed rapidly，but it has brought new challenges to financial security，amplifying the original vulnerability of the financial system，making new financial risks more complex，and exposing a large number of governance issues. However，Chinese financial technology governance system is the inheritance and development of the old financial governance system. The diversification，coordination and cooperation of governance subjects are obvious. Government supervision and enterprise autonomy are the two major forces. Trapped in the financial technology governance theory and governance system is imperfect. Based on the strong supervision of Chinese financial industry，it is recommended that the government establish a sound and unified regulatory framework system，establish a sound financial information security system，handle the relationship between the past and future governance systems，promote collaborative governance，promote the construction of a data standardization system，and strengthen the development of regulatory technology. Strengthen the supervision of illegal financial services，improve the FinTech evaluation mechanism，and speed up legislation in the field of FinTech.