黨的二十大報(bào)告提出“加快發(fā)展數(shù)字經(jīng)濟(jì)，促進(jìn)數(shù)字經(jīng)濟(jì)和實(shí)體經(jīng)濟(jì)深度融合”。中央金融工作會(huì)議指出，要做好包括數(shù)字金融在內(nèi)的“五篇大文章”。數(shù)字科技的發(fā)展引領(lǐng)新一輪產(chǎn)業(yè)變革，數(shù)字金融全面賦能金融行業(yè)數(shù)字化轉(zhuǎn)型，推動(dòng)金融高質(zhì)量發(fā)展。未來(lái)，應(yīng)持續(xù)深化數(shù)字金融賦能，推動(dòng)高水平對(duì)外開(kāi)放，推進(jìn)金融監(jiān)管數(shù)字化轉(zhuǎn)型，助力金融強(qiáng)國(guó)建設(shè)。

　　數(shù)字金融賦能金融行業(yè)數(shù)字化轉(zhuǎn)型。在頂層設(shè)計(jì)方面，銀行、證券、保險(xiǎn)、理財(cái)?shù)雀黝惤鹑跈C(jī)構(gòu)和中央證券托管機(jī)構(gòu)等金融基礎(chǔ)設(shè)施，紛紛將大力發(fā)展金融科技、推進(jìn)數(shù)字化轉(zhuǎn)型列入戰(zhàn)略規(guī)劃。在業(yè)務(wù)運(yùn)營(yíng)方面，積極探索利用區(qū)塊鏈、人工智能等數(shù)字技術(shù)升級(jí)改造系統(tǒng)，推動(dòng)金融服務(wù)全面線上化、自動(dòng)化、智能化，提高信息傳遞效率和風(fēng)險(xiǎn)預(yù)警能力。在產(chǎn)品創(chuàng)新方面，推動(dòng)構(gòu)建“金融+”綜合性場(chǎng)景服務(wù)生態(tài)，探索開(kāi)展數(shù)字證券發(fā)行等服務(wù)，以客戶需求為中心全面提升服務(wù)質(zhì)效，為實(shí)體經(jīng)濟(jì)提供更多元、更靈活、更精準(zhǔn)的金融支持。

　　數(shù)字金融推動(dòng)金融高質(zhì)量發(fā)展。作為“五篇大文章”之一，數(shù)字金融全力支持普惠金融、養(yǎng)老金融、綠色金融等數(shù)字化發(fā)展。從融資端來(lái)看，精準(zhǔn)滴灌小微企業(yè)，積極服務(wù)鄉(xiāng)村振興。例如，探索應(yīng)用前沿?cái)?shù)字技術(shù)，挖掘農(nóng)業(yè)核心企業(yè)的采購(gòu)、生產(chǎn)、物流等數(shù)據(jù)價(jià)值，為上下游企業(yè)提供貸款等金融服務(wù)。從投資端來(lái)看，創(chuàng)新改造服務(wù)平臺(tái)，惠及更為廣泛的群體。比如開(kāi)展移動(dòng)金融應(yīng)用程序的無(wú)障礙改造，為視障、聽(tīng)障等客戶提供切合其體驗(yàn)的服務(wù)；全面升級(jí)移動(dòng)金融應(yīng)用程序的適老化功能，服務(wù)老年用戶更便捷地投資養(yǎng)老金融等產(chǎn)品。此外，也將綠色、可持續(xù)發(fā)展等理念融入日常運(yùn)營(yíng)，如應(yīng)用前沿技術(shù)打造綠色、低碳、環(huán)保機(jī)房，通過(guò)分布式架構(gòu)提供安全高效、持續(xù)不斷的信息技術(shù)支持等。

　　數(shù)字金融助力金融強(qiáng)國(guó)建設(shè)。金融強(qiáng)國(guó)應(yīng)當(dāng)具備強(qiáng)大的金融機(jī)構(gòu)、國(guó)際金融中心、金融監(jiān)管等一系列關(guān)鍵核心金融要素。做好數(shù)字金融大文章，助力金融強(qiáng)國(guó)建設(shè)，可從以下方面著力。一是堅(jiān)持市場(chǎng)主導(dǎo)，深化金融機(jī)構(gòu)數(shù)字化轉(zhuǎn)型。持續(xù)重構(gòu)服務(wù)客戶模式，豐富數(shù)字金融應(yīng)用場(chǎng)景，強(qiáng)化數(shù)據(jù)共享協(xié)作，鼓勵(lì)先行先試、發(fā)揮示范效應(yīng)。二是堅(jiān)持守正創(chuàng)新，推動(dòng)金融開(kāi)放數(shù)字化轉(zhuǎn)型。數(shù)字金融創(chuàng)新應(yīng)用由國(guó)內(nèi)市場(chǎng)拓展向國(guó)際市場(chǎng)，可統(tǒng)籌安全與發(fā)展，推動(dòng)數(shù)字金融服務(wù)高水平對(duì)外開(kāi)放，提升我國(guó)在數(shù)字金融領(lǐng)域的國(guó)際話語(yǔ)權(quán)和規(guī)則制定權(quán)。三是堅(jiān)持系統(tǒng)觀念，推進(jìn)金融監(jiān)管數(shù)字化轉(zhuǎn)型。金融產(chǎn)品和服務(wù)模式的創(chuàng)新加大了監(jiān)管難度，可考慮打造監(jiān)管大數(shù)據(jù)平臺(tái)、豐富監(jiān)管工具箱、創(chuàng)新監(jiān)管模式，全面提升“五大監(jiān)管”效能。

　　未來(lái)，應(yīng)合力共建數(shù)字金融新生態(tài)，推動(dòng)形成各類金融手段相互補(bǔ)充、金融機(jī)構(gòu)和金融基礎(chǔ)設(shè)施各司其職、“五篇大文章”融合發(fā)展的生動(dòng)局面，切實(shí)加強(qiáng)對(duì)重大戰(zhàn)略、重點(diǎn)領(lǐng)域和薄弱環(huán)節(jié)的優(yōu)質(zhì)金融服務(wù)，以金融高質(zhì)量發(fā)展助力金融強(qiáng)國(guó)建設(shè)。

　　◇ 本文原載《債券》2024年6月刊

　　◇ 作者：鐘言

　　◇ 編輯：涂曉楓　劉穎

　　Contributing to Digital Finance Development and Supporting the Construction of a Strong Financial Industry

　　Zhong Yan

　　The report to the 20th CPC National Congress proposed to accelerate the development of the digital economy and promote integration between the digital economy and the real economy． The Central Financial Work Conference called for intensified efforts in “five major sectors”， including digital finance． The development of digital technology leads a new round of industrial transformation， and digital finance empowers the digital transformation of the financial industry， buttressing high-quality development of finance． In the future， continued efforts need to be put on empowerment of digital finance， high-level opening-up， and digital transformation of financial regulation， in a bid to pursue a strong financial sector．

　　Digital finance empowers the digital transformation of the financial industry． In terms of top-level design， various financial institutions， such as banks， securities firms， insurance companies and wealth management companies， and financial infrastructures， such as central securities depositories， have included FinTech and digital transformation in strategic plans． In terms of business operations， explorations have been made in system upgrading backed by digital technologies such as blockchain and artificial intelligence， so as to enable online， automated and intelligent financial services， and improve information transmission efficiency and risk warning capabilities． In terms of product innovation， financial institutions have been trying to create a “finance+” comprehensive scenario service ecosystem， explore digital securities issuance and other services， improve service quality and efficiency centered on customer needs， and provide more diverse， flexible and precise financial support for the real economy．

　　Digital finance promotes high-quality development of finance． As one of the “five major sectors”， digital finance supports the digital development of inclusive finance， pension finance and green finance． From the financing perspective， precise support can be offered to small and micro enterprises to facilitate rural revitalization． For example， cutting-edge digital technologies can be used to tap into the data value of procurement， production and logistics of core agricultural enterprises， and thus to provide financial services such as loans for upstream and downstream enterprises． From the investment perspective， service platforms can be transformed to benefit a wider range of groups． For example， mobile financial applications can be improved to provide accessible services for visually/hearing challenged customers； they can also be made more friendly to the elderly who can then invest in pension financial products more conveniently． In addition， green and sustainable development concepts can be integrated into daily operations， such as using cutting-edge technologies to create green， low-carbon and environmentally friendly data centers， and providing secure， efficient and continuous IT support through distributed architecture．

　　Digital finance helps build a strong financial sector in China． A strong financial sector needs a series of key elements including strong financial institutions， international financial centers and financial regulation． To pursue continued development in digital finance and help build a strong financial sector， efforts can be made in the following areas． First， financial institutions need to deepen digital transformation in a market-oriented manner． They can restructure the customer service model， extend the application scenarios of digital finance， and enhance data sharing and collaboration． Pilot programs can be encouraged to set examples． Second， it is suggested to promote the digital transformation of financial opening-up． With well-managed balance between security and development， innovative application of digital finance can be expanded from the domestic market to the international market， to promote high-level opening-up of digital financial services， and enhance China’s voice in rule-making in the field of digital finance． Third， digital transformation is also needed in financial regulation． The innovation of financial products and service models has made it harder for regulation． A plausible response may be to build a regulatory big data platform， enrich the regulatory toolbox and innovate regulatory models to enhance the efficiency of regulation in the “five key aspects”．

　　Looking forward， concerted efforts are required in pursuit of a new ecosystem of digital finance， and a dynamic landscape where various financial means complement each other， financial institutions and infrastructures fulfill their responsibilities， and the “five major sectors” are integrated for development． In this way， high-quality financial services can be provided to support major strategies， key areas and weak links， thus facilitating high-quality financial development and a strong financial sector．

　　This article was first published on Bond Monthly （Jun.2024）． Please indicate the source clearly when citing this article． The English version is for reference only， and the original Chinese version shall prevail in case of any inconsistency．

　　◇ Editors：Tu Xiaofeng， Liu Ying

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