摘要
金融科技创新是推动金融行业智能化、数字化及风险可控发展的核心动力。作为新型经济形态,数字经济通过技术、人才、资源等内部机制,与政策、市场、竞争等外部机制的协同作用,为金融科技创新注入新的增长动能。本文立足数字经济与金融科技的理论基础,系统剖析了数字经济赋能金融科技创新的内在逻辑与作用机制,并从技术驱动、数据驱动、平台驱动及生态协同等维度,深入探讨了数字经济赋能的具体实现路径。基于此,本文结合实践案例总结经验,分析了当前发展面临的实践挑战,进而提出针对性的优化对策。
Financial technology innovation is the core driving force for promoting the intelligent,digital,and riskcontrolled development of the financial industry.As a new economic form,the digital economy provides new growth points for financial technology innovation through the synergistic effect of internal mechanisms such as technology,talent,and resources,as well as external mechanisms such as policies,markets,and competition.The paper systematically analyzes the internal mechanism of digital economy empowering financial technology innovation based on the theoretical foundation of digital economy and financial technology,and explores the implementation model of digital economy empowerment from the aspects of technology-driven,data-driven,platform-driven,and ecological collaboration.On this basis,this paper draws from practical cases,analyzes corresponding practical challenges,and proposes relevant countermeasures.
作者
刘智涵
杨盛林
Liu Zhihan;Yang Shenglin(Shanghai Jiao Tong University,Shanghai 200030;Beijing Normal University,Beijing 100091)
出处
《中国商论》
2025年第16期110-113,共4页
China Journal of Commerce
关键词
数字经济
金融科技创新
机制构建
技术驱动
数据驱动
平台驱动
digital economy
financial technology innovation
mechanism construction
technology-driven
datadriven
platform-driven
