摘要
数字金融高质量发展是推动经济转型和提升金融服务实体经济质效的关键。面向“十五五”新阶段,系统探讨数字金融发展的特征、机遇与挑战,对探寻数字金融高质量发展路径具有重要的理论价值与现实意义。我国数字金融历经20余年高速发展,已形成了消费导向与普惠特色的鲜明特征。从内生演进规律和外部形势变化来看,“十五五”时期我国数字金融将面临消费金融向产业金融转型深化、金融机构数字化加速、数字金融对多维度金融战略枢纽作用强化和数字货币跨境支付作用提升等发展机遇,为此应加大AI大模型等底层前沿技术的投入,搭建统一的数字金融基础设施,强化战略连接枢纽,进一步提升数字货币跨境支付的实用性。同时,我国数字金融发展也将面临产业数字金融初期发展困境、数字生产关系制度滞后和创新监管缺位三重挑战,为此应加强对产业链中小企业数字化转型的支持力度,积极探索科学合理的数据要素产权确立制度,促进要素资源在更大范围内畅通流动,构建“科技+法律”双维监管体系,不断提高监管部门的监管数字化水平。
The high-quality development of digital finance is crucial for driving economic transformation and enhancing the quality and efficiency of finance in serving the real economy.As China enters the new phase of the 15th Five-Year Plan,exploring the characteristics,development opportunities,and challenges of digital finance development is of great theoretical value and practical significance for exploring pathways toward its high-quality development.Over more than two decades of rapid development,China’s digital finance has formed distinct characteristics of consumption orientation and inclusive finance.From the perspective of its endogenous evolution and changing external conditions,China’s digital finance will face development opportunities,such as the deepening transformation from consumer finance to industrial finance,the accelerated digitalization of financial institutions,the strengthened role of digital finance as a strategic hub in multi-dimensional finance,and the enhanced role of digital currency in cross-border payments.In the future,we should increase investment in underlying cutting-edge technologies such as AI large models,build a unified digital finance infrastructure,strengthen strategic connection hubs,and further enhance the practicality of digital currency in cross-border payments.Additionally,the development of digital finance in China will face three major challenges:the initial development predicament of industrial digital finance,the lagging system of digital production relations,and the absence of innovative supervision.In response,support for the digital transformation of small and medium-sized enterprises(SMEs)in the industrial chain should be strengthened.We should actively explore a scientific and reasonable system for establishing data element property rights,promote the smooth flow of factor resources on a larger scale,build a dual-dimensional regulatory system of“technology+law”,and continuously improve the digitalization level of supervision by regulatory authorities.
作者
王博
荣师竹
康琦
WANG Bo;RONG Shizhu;KANG Qi(School of Finance,Nankai University)
出处
《河海大学学报(哲学社会科学版)》
北大核心
2025年第4期54-68,共15页
Journal of Hohai University(Philosophy and Social Sciences)
基金
国家社会科学基金重大专项项目(24ZDA044)
天津市科技计划项目(24ZLRKZL00050)
云南省省院省校教育合作人文社科研究项目(SYSX202407)。
关键词
“十五五”时期
数字金融
普惠金融
产业数字金融
数字生产关系
the 15th Five-Year Plan period
digital finance
inclusive finance
industrial digital finance
digital production relations
