當前，世(shi)界百年(nian)未有之大(da)變(bian)局(ju)加速演進；全球新(xin)一(yi)輪(lun)(lun)科(ke)技(ji)(ji)(ji)(ji)革(ge)命(ming)和產業變(bian)革(ge)深入發(fa)(fa)展，催(cui)生(sheng)出(chu)大(da)數(shu)(shu)(shu)(shu)(shu)(shu)據、云計(ji)算、人工智能、物(wu)聯網、區塊鏈等新(xin)一(yi)代(dai)信息(xi)技(ji)(ji)(ji)(ji)術(shu)，數(shu)(shu)(shu)(shu)(shu)(shu)字(zi)技(ji)(ji)(ji)(ji)術(shu)革(ge)命(ming)成為推動世(shi)界之變(bian)、時代(dai)之變(bian)、歷史之變(bian)的(de)重要驅(qu)動力。發(fa)(fa)展數(shu)(shu)(shu)(shu)(shu)(shu)字(zi)經(jing)濟、數(shu)(shu)(shu)(shu)(shu)(shu)字(zi)金(jin)(jin)(jin)融(rong)是擁(yong)抱(bao)新(xin)一(yi)輪(lun)(lun)科(ke)技(ji)(ji)(ji)(ji)革(ge)命(ming)、開創(chuang)新(xin)的(de)技(ji)(ji)(ji)(ji)術(shu)—經(jing)濟范式的(de)必(bi)然之選。2023年(nian)召開的(de)中央金(jin)(jin)(jin)融(rong)工作會(hui)議提出(chu)做(zuo)好科(ke)技(ji)(ji)(ji)(ji)金(jin)(jin)(jin)融(rong)、綠色金(jin)(jin)(jin)融(rong)、普惠金(jin)(jin)(jin)融(rong)、養老金(jin)(jin)(jin)融(rong)、數(shu)(shu)(shu)(shu)(shu)(shu)字(zi)金(jin)(jin)(jin)融(rong)五(wu)篇大(da)文章(zhang)，對數(shu)(shu)(shu)(shu)(shu)(shu)字(zi)金(jin)(jin)(jin)融(rong)高質(zhi)(zhi)量發(fa)(fa)展提出(chu)了(le)新(xin)要求。做(zuo)好數(shu)(shu)(shu)(shu)(shu)(shu)字(zi)金(jin)(jin)(jin)融(rong)這篇大(da)文章(zhang)，需(xu)(xu)要抓住數(shu)(shu)(shu)(shu)(shu)(shu)字(zi)技(ji)(ji)(ji)(ji)術(shu)革(ge)命(ming)的(de)機遇，推動金(jin)(jin)(jin)融(rong)與數(shu)(shu)(shu)(shu)(shu)(shu)字(zi)技(ji)(ji)(ji)(ji)術(shu)的(de)有機融(rong)合(he)，著力提升金(jin)(jin)(jin)融(rong)服(fu)務實體經(jing)濟質(zhi)(zhi)效，強化(hua)系統性(xing)風(feng)險防控，不斷(duan)滿足經(jing)濟社會(hui)發(fa)(fa)展和人民群(qun)眾金(jin)(jin)(jin)融(rong)服(fu)務需(xu)(xu)求，加快建設金(jin)(jin)(jin)融(rong)強國。

　　中國數字金融發展成就卓著

　　數(shu)(shu)字(zi)(zi)(zi)(zi)金(jin)(jin)(jin)(jin)融(rong)(rong)具有數(shu)(shu)字(zi)(zi)(zi)(zi)與金(jin)(jin)(jin)(jin)融(rong)(rong)的(de)雙(shuang)重屬(shu)性，能(neng)夠加速資金(jin)(jin)(jin)(jin)、信(xin)息、數(shu)(shu)字(zi)(zi)(zi)(zi)等要(yao)素的(de)自由流通與有效(xiao)配置，矯正(zheng)傳統(tong)金(jin)(jin)(jin)(jin)融(rong)(rong)因(yin)信(xin)息不對稱引發的(de)市場失靈和(he)金(jin)(jin)(jin)(jin)融(rong)(rong)割裂問題。數(shu)(shu)字(zi)(zi)(zi)(zi)金(jin)(jin)(jin)(jin)融(rong)(rong)業(ye)務模式和(he)業(ye)態(tai)(tai)正(zheng)在不斷(duan)進化之中，目前(qian)主(zhu)要(yao)包括數(shu)(shu)字(zi)(zi)(zi)(zi)貨幣、數(shu)(shu)字(zi)(zi)(zi)(zi)支付、數(shu)(shu)字(zi)(zi)(zi)(zi)信(xin)貸(dai)、數(shu)(shu)字(zi)(zi)(zi)(zi)證券、數(shu)(shu)字(zi)(zi)(zi)(zi)保險(xian)、數(shu)(shu)字(zi)(zi)(zi)(zi)理(li)財等金(jin)(jin)(jin)(jin)融(rong)(rong)業(ye)態(tai)(tai)。近年來(lai)，我國數(shu)(shu)字(zi)(zi)(zi)(zi)金(jin)(jin)(jin)(jin)融(rong)(rong)發展成就卓(zhuo)著(zhu)，移動(dong)支付、數(shu)(shu)字(zi)(zi)(zi)(zi)信(xin)貸(dai)、央行數(shu)(shu)字(zi)(zi)(zi)(zi)貨幣、金(jin)(jin)(jin)(jin)融(rong)(rong)科技創(chuang)新能(neng)力、金(jin)(jin)(jin)(jin)融(rong)(rong)科技企業(ye)價值等領域(yu)已(yi)走在全球前(qian)列。

　　在移動支(zhi)付(fu)領(ling)域，我(wo)國移動支(zhi)付(fu)的(de)應用和推廣(guang)進展迅速。目前我(wo)國兩大移動支(zhi)付(fu)平臺(tai)的(de)用戶(hu)數均已超過10億(yi)，是(shi)著名支(zhi)付(fu)服務提(ti)供商PayPal全球用戶(hu)數的(de)三倍以上，移動支(zhi)付(fu)普及率達到86%，居全球第一。

　　在數(shu)(shu)字(zi)信貸(dai)領域，我國(guo)(guo)(guo)數(shu)(shu)字(zi)信貸(dai)規(gui)模全(quan)球(qiu)(qiu)最大(da)，大(da)幅(fu)領先歐(ou)美國(guo)(guo)(guo)家(jia)。國(guo)(guo)(guo)際清算(suan)銀行(xing)研(yan)究報告顯示(shi)，全(quan)球(qiu)(qiu)數(shu)(shu)字(zi)信貸(dai)在2013年(nian)(nian)僅(jin)為180億美元，而到(dao)了2019年(nian)(nian)已達到(dao)7955億美元，年(nian)(nian)均復合增(zeng)長88.0%。這段(duan)時(shi)期中國(guo)(guo)(guo)數(shu)(shu)字(zi)信貸(dai)規(gui)模年(nian)(nian)均復合增(zeng)長125.1%，其中2019年(nian)(nian)中國(guo)(guo)(guo)數(shu)(shu)字(zi)信貸(dai)規(gui)模達到(dao)6267億美元，占全(quan)球(qiu)(qiu)數(shu)(shu)字(zi)信貸(dai)總(zong)量的78.8%。

　　在央(yang)(yang)行數字(zi)(zi)貨幣(bi)(bi)(bi)領域(yu)，我(wo)國數字(zi)(zi)人民(min)幣(bi)(bi)(bi)推廣應(ying)用加(jia)快，跨境(jing)結算(suan)(suan)取得積極進展。當(dang)前數字(zi)(zi)人民(min)幣(bi)(bi)(bi)試(shi)點(dian)范圍已擴(kuo)大至(zhi)17個省(sheng)份(fen)的(de)26個地(di)區，覆蓋(gai)應(ying)用場景越發豐富，交易(yi)金(jin)(jin)額(e)加(jia)速上升。截至(zhi)2023年3月，試(shi)點(dian)地(di)區數字(zi)(zi)人民(min)幣(bi)(bi)(bi)錢包總(zong)余額(e)為86.7億(yi)元，累計交易(yi)金(jin)(jin)額(e)8918.6億(yi)元，交易(yi)筆(bi)數達7.5億(yi)筆(bi)。我(wo)國央(yang)(yang)行已深度參與(yu)多邊央(yang)(yang)行數字(zi)(zi)貨幣(bi)(bi)(bi)橋(qiao)項目，在系統(tong)建設與(yu)平臺接入(ru)方面均具備先發優勢。同時，中國人民(min)銀行提(ti)出(chu)的(de)“無(wu)損(sun)”“合規”“互通(tong)”三大原則已由(you)國際清算(suan)(suan)銀行提(ti)議(yi)成(cheng)為多邊央(yang)(yang)行數字(zi)(zi)貨幣(bi)(bi)(bi)橋(qiao)項目的(de)基(ji)本原則。

　　在(zai)金(jin)(jin)(jin)融(rong)(rong)科(ke)(ke)(ke)技(ji)(ji)創(chuang)新能(neng)力(li)方面，中(zhong)(zhong)(zhong)國(guo)(guo)(guo)金(jin)(jin)(jin)融(rong)(rong)科(ke)(ke)(ke)技(ji)(ji)專利申請(qing)量(liang)(liang)占(zhan)據(ju)領先優(you)勢。2018年以來(lai)，全(quan)球(qiu)金(jin)(jin)(jin)融(rong)(rong)科(ke)(ke)(ke)技(ji)(ji)專利申請(qing)量(liang)(liang)突破34萬件(jian)，中(zhong)(zhong)(zhong)國(guo)(guo)(guo)和美(mei)國(guo)(guo)(guo)是金(jin)(jin)(jin)融(rong)(rong)科(ke)(ke)(ke)技(ji)(ji)行業技(ji)(ji)術創(chuang)新的重(zhong)要引領國(guo)(guo)(guo)，兩國(guo)(guo)(guo)專利占(zhan)全(quan)球(qiu)的比(bi)重(zhong)高達64.5%。從國(guo)(guo)(guo)別看(kan)，中(zhong)(zhong)(zhong)國(guo)(guo)(guo)金(jin)(jin)(jin)融(rong)(rong)科(ke)(ke)(ke)技(ji)(ji)專利占(zhan)比(bi)為(wei)44.3%，位列(lie)第(di)一，美(mei)國(guo)(guo)(guo)以20.2%排名第(di)二，韓國(guo)(guo)(guo)、日本分別以10.5%、6.9%排在(zai)第(di)三(san)、四位。從金(jin)(jin)(jin)融(rong)(rong)科(ke)(ke)(ke)技(ji)(ji)專利持有人分布來(lai)看(kan)，位于前10的專利權人中(zhong)(zhong)(zhong)有8家中(zhong)(zhong)(zhong)國(guo)(guo)(guo)企業，2家來(lai)自美(mei)國(guo)(guo)(guo)。

　　在金(jin)融(rong)(rong)科(ke)技企業(ye)價(jia)值(zhi)方面，中(zhong)國金(jin)融(rong)(rong)科(ke)技獨(du)角獸(shou)企業(ye)在頭部領域(yu)具(ju)有突出優(you)勢。《2023全(quan)球(qiu)獨(du)角獸(shou)榜(bang)》顯(xian)示，截至2022年12月(yue)底，全(quan)球(qiu)排名(ming)前10的(de)獨(du)角獸(shou)企業(ye)中(zhong)金(jin)融(rong)(rong)科(ke)技行業(ye)占據4家，其中(zhong)最具(ju)價(jia)值(zhi)的(de)金(jin)融(rong)(rong)科(ke)技獨(du)角獸(shou)來自中(zhong)國。

　　數字金融有助于提升金融服務實體經濟的質效

　　借助于大(da)數據、人(ren)工智能(neng)、云計算(suan)、區塊鏈等(deng)數字技術，數字金(jin)(jin)(jin)融可以(yi)通(tong)過降低金(jin)(jin)(jin)融服務(wu)(wu)成本(ben)、減少信息不對稱，不斷提高金(jin)(jin)(jin)融服務(wu)(wu)效率，增進金(jin)(jin)(jin)融服務(wu)(wu)的(de)普惠性，增強金(jin)(jin)(jin)融風險管理能(neng)力(li)，全面提升金(jin)(jin)(jin)融服務(wu)(wu)實體經濟的(de)質效。

　　首先(xian)，數(shu)(shu)(shu)字(zi)(zi)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)能夠(gou)提高(gao)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)服(fu)(fu)務的(de)(de)(de)(de)(de)(de)(de)效率(lv)。通(tong)過(guo)廣泛應用前沿數(shu)(shu)(shu)字(zi)(zi)技(ji)(ji)術(shu)，數(shu)(shu)(shu)字(zi)(zi)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)可以有(you)效突破傳統(tong)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)產(chan)(chan)品(pin)的(de)(de)(de)(de)(de)(de)(de)空(kong)間界限和(he)數(shu)(shu)(shu)量(liang)(liang)約束，創(chuang)新(xin)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)機(ji)構(gou)的(de)(de)(de)(de)(de)(de)(de)經(jing)營管理模式(shi)、流程(cheng)(cheng)和(he)產(chan)(chan)品(pin)，提升(sheng)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)服(fu)(fu)務的(de)(de)(de)(de)(de)(de)(de)效率(lv)和(he)覆(fu)蓋范(fan)圍。其一(yi)(yi)，新(xin)興(xing)的(de)(de)(de)(de)(de)(de)(de)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)科(ke)技(ji)(ji)公(gong)(gong)司(si)提供了(le)(le)靈活、高(gao)效、個(ge)性(xing)化(hua)的(de)(de)(de)(de)(de)(de)(de)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)服(fu)(fu)務。金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)科(ke)技(ji)(ji)公(gong)(gong)司(si)在(zai)開(kai)(kai)展(zhan)數(shu)(shu)(shu)字(zi)(zi)消(xiao)費(fei)信(xin)(xin)(xin)貸(dai)(dai)(dai)和(he)小額(e)經(jing)營性(xing)貸(dai)(dai)(dai)款業務過(guo)程(cheng)(cheng)中，運(yun)(yun)用大數(shu)(shu)(shu)據技(ji)(ji)術(shu)對(dui)用戶(hu)“畫像(xiang)”，對(dui)違(wei)(wei)約概率(lv)的(de)(de)(de)(de)(de)(de)(de)估計更(geng)加準(zhun)確，能夠(gou)提供更(geng)加個(ge)性(xing)化(hua)的(de)(de)(de)(de)(de)(de)(de)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)服(fu)(fu)務，在(zai)提升(sheng)融(rong)(rong)(rong)(rong)資效率(lv)的(de)(de)(de)(de)(de)(de)(de)同時將違(wei)(wei)約概率(lv)維(wei)持在(zai)較(jiao)低水平。金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)科(ke)技(ji)(ji)公(gong)(gong)司(si)搭建的(de)(de)(de)(de)(de)(de)(de)數(shu)(shu)(shu)字(zi)(zi)支付系統(tong)簡化(hua)了(le)(le)交(jiao)易(yi)過(guo)程(cheng)(cheng)，減少了(le)(le)交(jiao)易(yi)時間和(he)成本，提高(gao)了(le)(le)支付效率(lv)，進而(er)提升(sheng)了(le)(le)整(zheng)個(ge)經(jing)濟的(de)(de)(de)(de)(de)(de)(de)運(yun)(yun)行效率(lv)。其二，傳統(tong)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)機(ji)構(gou)的(de)(de)(de)(de)(de)(de)(de)數(shu)(shu)(shu)字(zi)(zi)化(hua)轉(zhuan)型提升(sheng)了(le)(le)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)服(fu)(fu)務的(de)(de)(de)(de)(de)(de)(de)質(zhi)效。一(yi)(yi)方(fang)面(mian)，數(shu)(shu)(shu)字(zi)(zi)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)的(de)(de)(de)(de)(de)(de)(de)發展(zhan)為(wei)信(xin)(xin)(xin)貸(dai)(dai)(dai)市(shi)場(chang)(chang)提供了(le)(le)新(xin)的(de)(de)(de)(de)(de)(de)(de)產(chan)(chan)品(pin)與服(fu)(fu)務模式(shi)，為(wei)同質(zhi)化(hua)的(de)(de)(de)(de)(de)(de)(de)信(xin)(xin)(xin)貸(dai)(dai)(dai)市(shi)場(chang)(chang)注(zhu)入新(xin)鮮血(xue)液，能夠(gou)有(you)效提升(sheng)信(xin)(xin)(xin)貸(dai)(dai)(dai)市(shi)場(chang)(chang)的(de)(de)(de)(de)(de)(de)(de)競(jing)爭強度和(he)產(chan)(chan)品(pin)質(zhi)量(liang)(liang)，推動金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)市(shi)場(chang)(chang)高(gao)質(zhi)量(liang)(liang)發展(zhan)。另一(yi)(yi)方(fang)面(mian)，數(shu)(shu)(shu)字(zi)(zi)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)創(chuang)新(xin)的(de)(de)(de)(de)(de)(de)(de)大量(liang)(liang)數(shu)(shu)(shu)字(zi)(zi)化(hua)產(chan)(chan)品(pin)對(dui)傳統(tong)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)機(ji)構(gou)的(de)(de)(de)(de)(de)(de)(de)營利模式(shi)造成沖(chong)擊(ji)，并由此倒逼金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)機(ji)構(gou)大力拓展(zhan)營利途徑(jing)，開(kai)(kai)發更(geng)加多元(yuan)化(hua)和(he)市(shi)場(chang)(chang)化(hua)的(de)(de)(de)(de)(de)(de)(de)產(chan)(chan)品(pin)，提高(gao)自身資產(chan)(chan)配(pei)置效率(lv)，繼而(er)提升(sheng)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)市(shi)場(chang)(chang)運(yun)(yun)行效率(lv)。

　　其次，數字(zi)金融(rong)(rong)增進了(le)金融(rong)(rong)服務的(de)普惠(hui)性。對于世界各國(guo)而(er)言(yan)，向小(xiao)微(wei)企業(ye)(ye)和(he)低收入家庭提(ti)供有(you)效的(de)、可持(chi)續的(de)金融(rong)(rong)服務都存在(zai)極(ji)大挑戰，而(er)中國(guo)數字(zi)金融(rong)(rong)行業(ye)(ye)的(de)快(kuai)速(su)崛起，證(zheng)明了(le)在(zai)數字(zi)技(ji)術(shu)的(de)賦(fu)能下，以移動支付、數字(zi)信貸等代表的(de)數字(zi)金融(rong)(rong)，能夠有(you)效克服地理障(zhang)礙與傳(chuan)統風險評估的(de)盲點(dian)，實(shi)現(xian)以較低成本向小(xiao)微(wei)企業(ye)(ye)和(he)各地各類人群尤(you)其是欠發(fa)達(da)地區(qu)和(he)社會低收入者提(ti)供較為(wei)便捷(jie)的(de)金融(rong)(rong)服務。近年來(lai)(lai)，數字(zi)金融(rong)(rong)在(zai)中國(guo)發(fa)展(zhan)迅速(su)，越來(lai)(lai)越多的(de)農(nong)村居民以及(ji)小(xiao)微(wei)企業(ye)(ye)享受到了(le)便捷(jie)的(de)金融(rong)(rong)服務。

　　最后(hou)，數(shu)(shu)(shu)字金(jin)融(rong)能(neng)夠增強金(jin)融(rong)機(ji)構的風(feng)險(xian)(xian)管(guan)理能(neng)力(li)。金(jin)融(rong)科技(ji)公司可以(yi)利用(yong)大數(shu)(shu)(shu)據(ju)減少信息不對(dui)稱，增強風(feng)險(xian)(xian)識(shi)別(bie)與管(guan)理能(neng)力(li)。一是(shi)減少商業銀行的資產(chan)(chan)和負(fu)債之間的期(qi)(qi)限錯配風(feng)險(xian)(xian)和流(liu)動性錯配風(feng)險(xian)(xian)。隨著數(shu)(shu)(shu)字金(jin)融(rong)快(kuai)速發展，大數(shu)(shu)(shu)據(ju)、人工智能(neng)和數(shu)(shu)(shu)字算法(fa)等(deng)前(qian)沿技(ji)術(shu)的引入，不僅推動了(le)商業銀行資產(chan)(chan)負(fu)債結(jie)(jie)構的迅(xun)速轉(zhuan)變(bian)，還(huan)促進了(le)其負(fu)債結(jie)(jie)構的多(duo)元(yuan)化(hua)(hua)轉(zhuan)型。銀行通(tong)過建(jian)立實時大數(shu)(shu)(shu)據(ju)動態風(feng)險(xian)(xian)評估(gu)框架，可以(yi)提高對(dui)自身資產(chan)(chan)負(fu)債期(qi)(qi)限結(jie)(jie)構和流(liu)動性結(jie)(jie)構的判(pan)斷能(neng)力(li)，繼而降(jiang)低資產(chan)(chan)負(fu)債到期(qi)(qi)損失，增強對(dui)流(liu)動性頭寸(cun)數(shu)(shu)(shu)量的有效控(kong)制。二是(shi)有效彌補(bu)傳統金(jin)融(rong)機(ji)構的量化(hua)(hua)風(feng)險(xian)(xian)管(guan)理短板。數(shu)(shu)(shu)字金(jin)融(rong)可以(yi)利用(yong)全面(mian)場景應用(yong)、大數(shu)(shu)(shu)據(ju)等(deng)技(ji)術(shu)，提升風(feng)險(xian)(xian)評估(gu)、反(fan)欺詐(zha)、金(jin)融(rong)服(fu)務合(he)同分(fen)析、貸前(qian)審查(cha)和貸后(hou)管(guan)理等(deng)方面(mian)的風(feng)險(xian)(xian)管(guan)控(kong)能(neng)力(li)。

　　推動數字金融高質量發展

　　做好數(shu)(shu)(shu)(shu)字(zi)金融(rong)(rong)這篇大(da)文章，必(bi)須(xu)緊緊圍繞(rao)提質增效和防(fang)控(kong)風險的目標(biao)，完善(shan)數(shu)(shu)(shu)(shu)字(zi)基(ji)礎設施(shi)，提升數(shu)(shu)(shu)(shu)字(zi)化監管能力(li)(li)，加強數(shu)(shu)(shu)(shu)字(zi)技術(shu)原(yuan)始創新，參與全球數(shu)(shu)(shu)(shu)字(zi)規則(ze)制定，推(tui)動數(shu)(shu)(shu)(shu)字(zi)金融(rong)(rong)高質量發展，助力(li)(li)金融(rong)(rong)強國建設。

　　一是(shi)完(wan)善數(shu)(shu)字(zi)(zi)(zi)基礎(chu)設施，促(cu)進(jin)(jin)數(shu)(shu)字(zi)(zi)(zi)金融均(jun)衡發展。目(mu)前我國數(shu)(shu)字(zi)(zi)(zi)金融布局與發展仍不平衡，經濟欠發達(da)地區(qu)(qu)及鄉村的數(shu)(shu)字(zi)(zi)(zi)化技術使用在提(ti)高(gao)金融服務匹(pi)配方(fang)(fang)面的效率(lv)和質量不高(gao)。為此，必須加(jia)快(kuai)完(wan)善明顯制約數(shu)(shu)字(zi)(zi)(zi)金融發展的數(shu)(shu)字(zi)(zi)(zi)基礎(chu)設施，以安(an)全多方(fang)(fang)計算、區(qu)(qu)塊鏈、聯(lian)邦學習、大數(shu)(shu)據(ju)(ju)(ju)(ju)、云(yun)計算等(deng)數(shu)(shu)字(zi)(zi)(zi)科技為基礎(chu)，構建安(an)全、合規、統一的數(shu)(shu)據(ju)(ju)(ju)(ju)要素平臺，推進(jin)(jin)區(qu)(qu)域數(shu)(shu)據(ju)(ju)(ju)(ju)中(zhong)(zhong)心集(ji)約化建設，加(jia)快(kuai)大數(shu)(shu)據(ju)(ju)(ju)(ju)傳(chuan)輸通(tong)道建設，不斷提(ti)升數(shu)(shu)據(ju)(ju)(ju)(ju)傳(chuan)輸能力。深(shen)入落實(shi)數(shu)(shu)字(zi)(zi)(zi)鄉村行(xing)動計劃，加(jia)快(kuai)農村地區(qu)(qu)數(shu)(shu)字(zi)(zi)(zi)金融體系(xi)建設，進(jin)(jin)一步完(wan)善農村地區(qu)(qu)數(shu)(shu)字(zi)(zi)(zi)基礎(chu)設施，開展征信體系(xi)、涉農大數(shu)(shu)據(ju)(ju)(ju)(ju)、農業技術服務與培訓，做好“線上+線下”業務。中(zhong)(zhong)西部地區(qu)(qu)可考慮(lv)建設超大數(shu)(shu)據(ju)(ju)(ju)(ju)處理中(zhong)(zhong)心，通(tong)過“東(dong)(dong)數(shu)(shu)西算”降低(di)東(dong)(dong)部地區(qu)(qu)數(shu)(shu)據(ju)(ju)(ju)(ju)處理成本，實(shi)現東(dong)(dong)中(zhong)(zhong)西部數(shu)(shu)字(zi)(zi)(zi)基礎(chu)設施協同發展。

　　二是提(ti)升數字(zi)化(hua)監(jian)(jian)(jian)管(guan)(guan)(guan)(guan)(guan)能力(li)，防范化(hua)解(jie)金(jin)(jin)(jin)融(rong)(rong)風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)。數字(zi)金(jin)(jin)(jin)融(rong)(rong)風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)疊加(jia)了數字(zi)風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)與金(jin)(jin)(jin)融(rong)(rong)風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)，前(qian)者涉及(ji)網絡安全風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)、數字(zi)技(ji)術應(ying)用(yong)風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)、信(xin)息基礎設施風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)和數據風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)等(deng)，后(hou)者涉及(ji)信(xin)用(yong)風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)、市場風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)與流動性風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)等(deng)。數字(zi)金(jin)(jin)(jin)融(rong)(rong)涉及(ji)復雜的信(xin)息結構、相(xiang)互(hu)關聯的信(xin)息系(xi)統(tong)、海(hai)量的數據，大(da)(da)大(da)(da)增加(jia)了風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)監(jian)(jian)(jian)測的難度(du)。同(tong)時，數字(zi)金(jin)(jin)(jin)融(rong)(rong)產品迭代速度(du)快(kuai)，隨之帶(dai)來的不同(tong)階段的風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)形態也會(hui)發生迅(xun)速變化(hua)，進(jin)而加(jia)大(da)(da)風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)識(shi)別難度(du)。為(wei)此，必(bi)須切(qie)實(shi)提(ti)高金(jin)(jin)(jin)融(rong)(rong)監(jian)(jian)(jian)管(guan)(guan)(guan)(guan)(guan)有(you)效(xiao)性，依法將所有(you)金(jin)(jin)(jin)融(rong)(rong)活動全部納入監(jian)(jian)(jian)管(guan)(guan)(guan)(guan)(guan)，全面強化(hua)機(ji)構監(jian)(jian)(jian)管(guan)(guan)(guan)(guan)(guan)、行為(wei)監(jian)(jian)(jian)管(guan)(guan)(guan)(guan)(guan)、功能監(jian)(jian)(jian)管(guan)(guan)(guan)(guan)(guan)、穿(chuan)透式監(jian)(jian)(jian)管(guan)(guan)(guan)(guan)(guan)、持續監(jian)(jian)(jian)管(guan)(guan)(guan)(guan)(guan)，消除監(jian)(jian)(jian)管(guan)(guan)(guan)(guan)(guan)空白和盲區(qu)，堅決(jue)懲(cheng)治(zhi)違法犯(fan)罪和腐敗行為(wei)，嚴(yan)防道(dao)德(de)風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)。深(shen)入推(tui)進(jin)和有(you)序(xu)協調數字(zi)金(jin)(jin)(jin)融(rong)(rong)發展(zhan)創新(xin)試(shi)點、數字(zi)金(jin)(jin)(jin)融(rong)(rong)監(jian)(jian)(jian)管(guan)(guan)(guan)(guan)(guan)工具試(shi)點和服(fu)(fu)務示范區(qu)、金(jin)(jin)(jin)融(rong)(rong)業務與科技(ji)服(fu)(fu)務風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)隔離(li)機(ji)制(zhi)等(deng)工作，有(you)效(xiao)釋(shi)放金(jin)(jin)(jin)融(rong)(rong)改革動力(li)。強化(hua)系(xi)統(tong)性風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)監(jian)(jian)(jian)測，建(jian)立健全數字(zi)金(jin)(jin)(jin)融(rong)(rong)風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)監(jian)(jian)(jian)測與評估機(ji)制(zhi)，實(shi)現(xian)風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)早發現(xian)、早識(shi)別、早預警(jing)、早暴露、早處置，牢牢守住不發生系(xi)統(tong)性風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)的底線。

　　三是(shi)加強數字(zi)技術(shu)原始(shi)創(chuang)(chuang)新(xin)(xin)，提高(gao)平臺企業國(guo)際競(jing)爭力(li)(li)。大(da)力(li)(li)提升(sheng)數字(zi)技術(shu)自主創(chuang)(chuang)新(xin)(xin)能力(li)(li)，盡快突破(po)關(guan)鍵核心技術(shu)。充分(fen)發(fa)(fa)揮新(xin)(xin)型舉(ju)國(guo)體制優(you)勢、超大(da)規(gui)模市場優(you)勢，以深(shen)化供(gong)給(gei)側結(jie)構性(xing)(xing)改革為主線，深(shen)化科(ke)技體制改革，激發(fa)(fa)自主創(chuang)(chuang)新(xin)(xin)動(dong)力(li)(li)和活力(li)(li)，實(shi)施多領(ling)域(yu)、多部門、多形式聯合攻(gong)關(guan)，打好關(guan)鍵核心數字(zi)技術(shu)攻(gong)堅戰。加大(da)在數字(zi)孿(luan)生、人工智能、量子(zi)計算(suan)等(deng)領(ling)域(yu)的(de)(de)科(ke)技研發(fa)(fa)力(li)(li)度(du)，著力(li)(li)實(shi)現前(qian)瞻性(xing)(xing)基礎研究、引領(ling)性(xing)(xing)和顛覆性(xing)(xing)原創(chuang)(chuang)成果的(de)(de)重大(da)突破(po)，搶占未來數字(zi)金(jin)融(rong)發(fa)(fa)展(zhan)(zhan)的(de)(de)技術(shu)先機(ji)和主動(dong)權。進(jin)一步(bu)優(you)化融(rong)資(zi)(zi)結(jie)構，更好發(fa)(fa)揮資(zi)(zi)本市場樞紐功能，推動(dong)股票發(fa)(fa)行(xing)注冊制走(zou)深(shen)走(zou)實(shi)，發(fa)(fa)展(zhan)(zhan)多元化股權融(rong)資(zi)(zi)，培育一流(liu)投資(zi)(zi)銀行(xing)和投資(zi)(zi)機(ji)構，為科(ke)技創(chuang)(chuang)新(xin)(xin)提供(gong)金(jin)融(rong)支持(chi)。

　　四(si)是積極參與(yu)全球(qiu)數(shu)(shu)字(zi)規(gui)(gui)(gui)則(ze)(ze)(ze)(ze)制(zhi)定(ding)，完善(shan)全球(qiu)數(shu)(shu)字(zi)治(zhi)理(li)體(ti)(ti)(ti)系(xi)(xi)(xi)。充分發(fa)揮自貿(mao)(mao)試驗區(qu)先行先試的(de)(de)作用(yong)，支持自貿(mao)(mao)試驗區(qu)率(lv)先對(dui)標(biao)(biao)國(guo)際高(gao)水平(ping)數(shu)(shu)字(zi)經(jing)貿(mao)(mao)規(gui)(gui)(gui)則(ze)(ze)(ze)(ze)，加快推(tui)(tui)進加入《數(shu)(shu)字(zi)經(jing)濟(ji)伙伴(ban)關系(xi)(xi)(xi)協(xie)定(ding)》（DEPA）和《全面(mian)與(yu)進步跨太平(ping)洋伙伴(ban)關系(xi)(xi)(xi)協(xie)定(ding)》（CPTPP），建(jian)立(li)(li)與(yu)國(guo)際高(gao)標(biao)(biao)準(zhun)(zhun)數(shu)(shu)字(zi)經(jing)濟(ji)規(gui)(gui)(gui)則(ze)(ze)(ze)(ze)銜接適應的(de)(de)規(gui)(gui)(gui)則(ze)(ze)(ze)(ze)體(ti)(ti)(ti)系(xi)(xi)(xi)、管理(li)標(biao)(biao)準(zhun)(zhun)等(deng)(deng)(deng)制(zhi)度(du)體(ti)(ti)(ti)系(xi)(xi)(xi)，提(ti)升在數(shu)(shu)字(zi)經(jing)濟(ji)國(guo)際規(gui)(gui)(gui)則(ze)(ze)(ze)(ze)競爭中的(de)(de)話(hua)語權和規(gui)(gui)(gui)則(ze)(ze)(ze)(ze)制(zhi)定(ding)權。加強知識(shi)產權保(bao)(bao)護、數(shu)(shu)字(zi)隱私保(bao)(bao)護、數(shu)(shu)據跨境(jing)流動和數(shu)(shu)據存儲等(deng)(deng)(deng)重點領(ling)域(yu)規(gui)(gui)(gui)則(ze)(ze)(ze)(ze)探(tan)(tan)索，積極就人(ren)工智能(neng)發(fa)展(zhan)原則(ze)(ze)(ze)(ze)、數(shu)(shu)字(zi)倫理(li)、數(shu)(shu)字(zi)貿(mao)(mao)易與(yu)數(shu)(shu)字(zi)關稅規(gui)(gui)(gui)則(ze)(ze)(ze)(ze)等(deng)(deng)(deng)問題與(yu)世界各(ge)(ge)國(guo)開展(zhan)深度(du)合作，探(tan)(tan)索各(ge)(ge)方易于接受的(de)(de)共同規(gui)(gui)(gui)則(ze)(ze)(ze)(ze)。在競爭監管等(deng)(deng)(deng)領(ling)域(yu)加強各(ge)(ge)國(guo)的(de)(de)政策(ce)溝通協(xie)作，促進各(ge)(ge)國(guo)數(shu)(shu)字(zi)監管政策(ce)的(de)(de)兼容性(xing)和一致性(xing)。著力推(tui)(tui)進金融(rong)高(gao)水平(ping)開放，穩步擴大金融(rong)領(ling)域(yu)制(zhi)度(du)型開放，確(que)保(bao)(bao)國(guo)家(jia)金融(rong)和經(jing)濟(ji)安全。加強國(guo)際交流合作，前(qian)瞻(zhan)考慮面(mian)向(xiang)全球(qiu)的(de)(de)規(gui)(gui)(gui)則(ze)(ze)(ze)(ze)、技術、標(biao)(biao)準(zhun)(zhun)、認(ren)證和平(ping)臺(tai)搭(da)建(jian)，推(tui)(tui)動建(jian)立(li)(li)穩定(ding)、平(ping)等(deng)(deng)(deng)、均衡、包容的(de)(de)全球(qiu)數(shu)(shu)字(zi)治(zhi)理(li)體(ti)(ti)(ti)系(xi)(xi)(xi)。

（作者：張曉晶(jing)  中國(guo)社會(hui)科(ke)學院金(jin)融研究所(suo)所(suo)長、國(guo)家金(jin)融與發(fa)展實驗(yan)室主任）

原標題：做好數字金融大文章 加快建設金融強國
光明網-《光明日報》
責任編輯：王蕾
網頁編輯：蘇偉