党的二十大报告提出“加快发展数字经济，促进数字经济和实体经济深度融合”。中央金融工作会议指出，要做好包括数字金融在内的“五篇大文章”。数字科技的发展引领新一轮产业变革，数字金融全面赋能金融行业数字化转型，推动金融高质量发展。未来，应持续深化数字金融赋能，推动高水平对外开放，推进金融监管数字化转型，助力金融强国建设。
数字金融赋能金融行业数字化转型。在顶层设计方面，银行、证券、保险、理财等各类金融机构和中央证券托管机构等金融基础设施，纷纷将大力发展金融科技、推进数字化转型列入战略规划。在业务运营方面，积极探索利用区块链、人工智能等数字技术升级改造系统，推动金融服务全面线上化、自动化、智能化，提高信息传递效率和风险预警能力。在产品创新方面，推动构建“金融+”综合性场景服务生态，探索开展数字证券发行等服务，以客户需求为中心全面提升服务质效，为实体经济提供更多元、更灵活、更精准的金融支持。
数字金融推动金融高质量发展。作为“五篇大文章”之一，数字金融全力支持普惠金融、养老金融、绿色金融等数字化发展。从融资端来看，精准滴灌小微企业，积极服务乡村振兴。例如，探索应用前沿数字技术，挖掘农业核心企业的采购、生产、物流等数据价值，为上下游企业提供贷款等金融服务。从投资端来看，创新改造服务平台，惠及更为广泛的群体。比如开展移动金融应用程序的无障碍改造，为视障、听障等客户提供切合其体验的服务；全面升级移动金融应用程序的适老化功能，服务老年用户更便捷地投资养老金融等产品。此外，也将绿色、可持续发展等理念融入日常运营，如应用前沿技术打造绿色、低碳、环保机房，通过分布式架构提供安全高效、持续不断的信息技术支持等。
数字金融助力金融强国建设。金融强国应当具备强大的金融机构、国际金融中心、金融监管等一系列关键核心金融要素。做好数字金融大文章，助力金融强国建设，可从以下方面着力。一是坚持市场主导，深化金融机构数字化转型。持续重构服务客户模式，丰富数字金融应用场景，强化数据共享协作，鼓励先行先试、发挥示范效应。二是坚持守正创新，推动金融开放数字化转型。数字金融创新应用由国内市场拓展向国际市场，可统筹安全与发展，推动数字金融服务高水平对外开放，提升我国在数字金融领域的国际话语权和规则制定权。三是坚持系统观念，推进金融监管数字化转型。金融产品和服务模式的创新加大了监管难度，可考虑打造监管大数据平台、丰富监管工具箱、创新监管模式，全面提升“五大监管”效能。
未来，应合力共建数字金融新生态，推动形成各类金融手段相互补充、金融机构和金融基础设施各司其职、“五篇大文章”融合发展的生动局面，切实加强对重大战略、重点领域和薄弱环节的优质金融服务，以金融高质量发展助力金融强国建设。
◇ 本文原载《债券》2024年6月刊
◇ 作者：钟言
◇ 编辑：涂晓枫刘颖
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