摘要
在全球新一轮以信息技术为代表的科学技术革命深入发展,世界百年未有之大变局加速演进的时代背景下,包括大数据、云计算、人工智能、区块链在内的一系列新技术纷至沓来,新型信息技术为传统的经济金融带来了新变化、新形态。充分发挥数字金融作用,是积极拥抱技术发展大势,赋能数字经济发展的必然选择。数字金融已成为服务数字经济发展的重要推手,极大提升了数字经济时代金融服务实体经济的能力,助力高质量发展。我国数字金融发展过程中,取得了在基础技术、数字信贷、数字货币和金融监管等领域的一系列成绩,但仍然面临数字核心技术受制于人、金融脱媒引致风险提升、金融数据管理使用存在风险点、数字鸿沟现象日益凸显等一系列问题。将数字金融这篇大文章做好做实,扎实推进数字金融高质量发展,以数字金融高质量发展助力数字经济强国建设,需要狠抓数字技术短板打牢数字金融发展根基、改善经营管理模式增加数字金融发展实效、发挥监管部门作用防范数字金融发展风险、落实普惠发展目标共享数字金融发展成果。
In the context of the ongoing scientific and technological revolution characterized by information technology,a series of new technologies such as big data,cloud computing,artificial intelligence,and blockchain have emerged.These novel information technologies have brought new changes to the traditional economic and financial sectors.Leveraging digital finance is an inevitable choice for embracing the trend of technological development and empowering the digital economy.Digital finance has become a significant driver for the digital economy,greatly enhancing the ability of financial services to serve the real economy in the digital age and aiding high-quality development.China's development in digital finance has achieved a series of accomplishments in areas such as foundational technology,digital credit,digital currency,and financial regulation.However,challenges remain,including dependence on foreign digital core technologies,increased risks due to financial disintermediation,risks in financial data management and usage,and the growing digital divide.To effectively advance the high-quality development of digital finance and support the construction of a digital economy powerhouse,it is necessary to strengthen digital technology foundations to secure digital finance,improve operational and management models to enhance the effectiveness of digital finance,emphasize regulatory roles to mitigate risks in digital finance and implement inclusive development goals to share the benefits of digital finance.This translation aims to be concise while maintaining an academic tone,highlighting key points regarding the development and challenges of digital finance in China.
作者
王孝松
杨航
WANG Xiaosong;YANG Hang(School of Economics,Renmin University of China)
出处
《金融市场研究》
2024年第11期58-69,共12页
Financial Market Research
关键词
数字金融
数字经济
金融监管
Digital Finance
Digital Economy
Financial Regulation
作者简介
王孝松,中国人民大学经济学院教授、博士生导师;杨航,中国人民大学经济学院博士研究生。
