首发经济与金融创新共建消费生态系统的机制与路径研究

Research on the Mechanism and Path of Jointly Building the Consumption Ecosystem by the Debut Economy and Financial Innovation

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摘要面对复杂多变的国内外经济形势,首发经济作为一种以技术创新为核心的新经济形态,对于激活国内消费市场、推动区域经济发展至关重要。从首发经济和金融创新推动我国当前消费升级出发,深入研究首发经济与金融创新通过协同机制来共建我国新型消费生态系统路径。基于市场供需互动关系角度,系统梳理了金融创新在支付赋能、信贷支持、技术驱动、生态协同等方面对于当前消费行为的影响,研究认为金融创新可以有效地降低用户市场进入门槛、缓解企业融资压力、提升消费体验。同时,针对金融创新过程中可能带来信用风险扩散、数据隐私保护不足、市场非理性繁荣及资源配置低效等挑战,提出构建系统的制度保障体系、加快推动绿色金融发展、不断优化空间资源配置等对策。 Facing the complex and volatile domestic and international economic situation,the debut economy,as a new economic form with technological innovation at its core,is of vital importance for activating the domestic consumer market and promoting regional economic development.Based on the promotion of the current consumption upgrade in China by the“debut economy”and financial innovation,this article conducts an in-depth study on the path of jointly building a new consumption ecosystem in China through the collaborative mechanism between the debut economy and financial innovation.From the perspective of the interactive relationship between market supply and demand,this article systematically sorts out the impact of financial innovation on current consumer behavior in aspects such as payment empowerment,credit support,technology-driven,and ecological collaboration.The research holds that financial innovation can effectively lower the market entry threshold for users,alleviate the financing pressure on enterprises,and enhance the consumer experience.The article also proposes countermeasures such as constructing a systematic institutional guarantee system,accelerating the development of green finance,and continuously optimizing the allocation of spatial resources in response to the challenges that may arise during the process of financial innovation,such as the spread of credit risks,insufficient protection of data privacy,irrational market exuberality,and inefficient resource allocation.

作者施志晖陆岷峰刘思妤 Shi Zhihui;Lu Minfeng;Liu Siyu(Shanghai Institute of Technology Finance,Shanghai University,Shanghai 200444,China;School of Management,Hefei University of Technology,Hefei 230002,Anhui,China)

机构地区上海大学上海科技金融研究所合肥工业大学管理学院

出处《征信》北大核心 2025年第7期74-84,共11页 Credit Reference

基金国家社会科学基金一般项目(20BJY114)。

关键词首发经济消费升级金融创新供需互动区域经济 debut economy consumption upgrade financial innovation supply and demand interaction regional economy

分类号 F832.332 [经济管理—金融学]

作者简介施志晖(1980-),男,江苏盐城人,正高级工程师,硕士,主要研究方向为数字技术、金融、风险管理;陆岷峰(1962-),男,江苏金湖人,教授,博士,博士生导师,主要研究方向为宏观经济、商业银行、中小企业;通信作者:刘思妤(2004-),女,安徽合肥人,助理研究员,学士,主要研究方向为宏观经济、数字经济、金融。