新冠肺炎疫情冲击下的银行业金融科技应用:理论逻辑、实践特征与变革路径  

The Application of Financial Technologies in the Banking Sector Under the Impact of the COVID-19 Pandemic:Rationale,Practical Features, and a Transformational Road Map

作　　者：肖宇[1,2] 李诗林 梁博 Xiao Yu;Li Shilin;Liang Bo(Graduate School of Chinese Academy of Social Sciences,Beijing 102488,China;Institute for Global Private Equity,Tsinghua University,Beijing 100084,China;Audit Office,the Communist Party of China Central Military Commission,Beijing 100000,China)

机构地区：[1]中国社会科学院研究生院,北京102488 [2]清华大学全球私募股权研究院,北京100084 [3]中央军委审计署,北京100000

出　　处：《金融经济学研究》2020年第3期90-103,共14页Financial Economics Research

基　　金：中国社会科学院创新工程项目(2020CJYB003)。

摘　　要：数字时代的发展规律显示,数字化和信息化是商业银行推动自身转型升级的必然趋势。研究发现,此次新冠肺炎抗疫战期间,金融科技在有效助力中国商业银行应对危机中发挥了重要作用,主要体现在金融科技有效降低物理场所经营风险,有助于压缩存量贷款余额风险敞口,能够帮助商业银行实现资产投放的精准滴灌,切实提升商业银行的内部风险管控水平,助力商业银行有效应对跨界竞争等多个方面。后疫情时代,商业银行应该积极推动金融科技变革,继续夯实金融科技底层技术,不断丰富金融产品与服务矩阵,守住不发生系统性风险底线,协调推动银行业双向开放,做好人才队伍培育和支撑,积极参与金融科技国际规则制定。In the digital era,digitalization and informationization are the two critical tools that allow commercial banks to transform themselves.Financial technologies played an important role in helping commercial banks in China respond to the COVID-19 pandemic.Specifically,financial technologies effectively reduced the operational risks present in physical spaces,mitigated exposures to the existing loan balance,allowed commercial banks to accurately lend money to targeted clients,considerably improved their internal risk control,and supported them in cross-industry competition.In the post-pandemic era,how could commercial banks promote the transformation driven by financial technologies?The authors suggest that a solid foundation in the underlying financial technologies is critical.Other measures include adding more financial products and services,guarding against systemic risks,promoting two-way openness in the banking sector,and developing talents.

关 键 词：COVID-19 金融科技 数字经济 大数据 人工智能 

分 类 号：F832.2[经济管理—金融学]