摘要
数字金融正在全球快速发展,成为各国金融竞争的关键领域。为了全面准确地刻画各国数字金融发展水平,提高我国数字金融竞争力,本文从数字金融基础、数字金融治理、数字金融服务三个维度构建数字金融发展指标体系,系统评估2018-2022年全球60个主要经济体的数字金融发展状况。研究发现:不同经济体数字金融水平存在较大差异,北美、东亚、欧洲地区发展水平较高,二十国集团(G20)成员和发达经济体的平均水平较高。美国、英国、韩国和中国是数字金融发展指数排名前四位的国家,四者在细分领域拥有不同的竞争优势。我国在数字金融基础和数字金融服务方面处于全球领先地位,但数字金融的耦合协调水平较低,在数字金融治理方面有待进一步提高。结合测算结果与实际情况,本文为我国数字金融发展提出政策建议。
Digital finance is developing rapidly around the world and has become a key area of financial competition among countries.Based on the connotation of digital finance,this paper constructs a digital financial development indicator system encompassing three dimensions:digital financial foundation,digital financial governance,and digital financial services.Among them,the objective coupling weighting method is used to determine the weight of indicators,and the development state of digital finance is evaluated for 60 major economies around the world from 2018 to 2022.The results are as follows.Firstly,the global development of digital finance is steadily growing,reshaping the competitive landscape of digital finance in this sector.Secondly,there are large differences in the level of digital finance in different countries,with higher levels of development in North America,East Asia and Europe.Additionally,G20 members and developed economies generally exhibit higher average levels of digital finance.There is a significant gap in the level of digital financial governance among countries,with many stll lacking a perfect regulatory environment for digital finance in many economies.Thirdly,the United States,the United Kingdom,South Korea and China are the top four countries in the digital financial development index,which have different competitive advantages in the segmented areas.Last but not least,China is a global leader in digital financial foundation and digital financial services,but has low coupling and coordination with digital finance and requires further improvement in digital finance governance.To promote the high-quality development of digital finance in China,this paper gives three suggestions.Firstly,further consolidate the foundation of digital finance by focusing on enhancing the innovation quality of digital finance.Secondly,create a favorable digital financial governance environment by optimizing the digital financial regulatory system.Thirdly,expand the leading advantages in the field of digital payments and broaden financing channels for fintech enterprises.
作者
钟红
陆香怡
Zhong Hong;Lu Xiangyi(Bank of China(Hong Kong),China;Postdoctoral Workstation,China Construction Bank)
出处
《国际金融研究》
CSSCI
北大核心
2024年第9期48-60,共13页
Studies of International Finance
关键词
数字金融发展
指标体系国际比较研究
耦合协调
Digital Financial Development
Evaluation Indicator System
International Comparison Study
Coupling Coordination
作者简介
钟红,经济学博士,中国银行(香港)首席经济学家,研究员;通讯作者:陆香怡,经济学博士中国建设银行博士后科研工作站博士后,邮箱:hit.luxiangyi@163.com。
