5G+物联网环境下智能金融场景应用的分析与建议  

Analysis and Suggestions of Intelligent Financial Application in 5g+IoT environment

作　　者：孙涛[1,2] 沈开基 顾蔚 杨欣捷 

机构地区：[1]复旦大学应用经济学博士后流动站 [2]浦发银行博士后科研工作站 [3]浦发银行创新研究中心 [4]浦发银行创新实验室

出　　处：《现代管理科学》2021年第2期104-111,共8页Modern Management Science

摘　　要：数字化的金融与数字化的物品有机集成与整合,可以使物联网中物品的物品属性与价值属性有机融合,革新现有业务体系,重构物联网金融业务生态体系。基于智能金融场景应用的发展思路和关键技术分析对银行实现金融科技生态圈建设、打造数字化银行至关重要。为此,结合商业银行物联网金融场景生态进程发展情况,提出具体建议,为我国商业银行物联网环境下金融场景创新应用提供决策参考。At this stage,with the large-scale commercialization of 5G technology as an opportunity,the Internet of Things(IoT)industry has begun to play an important role in various fields around the world,and it has also become a new research hotspot in the field of financial technology.The development of the IoT has realized the organic integration of all items in the real world,realizing interconnection,that is,digitization and networking,and with the continuous development of finance toward high-level informatization,the combination of IoT technology also makes financial services and capital flows digitized,The organic integration and integration of digital finance and digital items can organically integrate the item attributes and value attributes of items in the Internet of Things,innovate the existing business system,and reconstruct the IoT financial business ecosystem.The development ideas and key technology analysis based on the application of intelligent financial scenarios in the environment are essential for banks to realize the construction of a financial technology ecosystem and build a digital bank.To this end,this article combines the development of the ecological process of the financial scene of the commercial bank's IoT,and puts forward specific thinking and suggestions to lay a decision-making foundation for the innovative application of financial scenes in the environment of the IoT of commercial banks in my country.

关 键 词：5G 物联网 智能金融 应用场景 

分 类 号：F832.33[经济管理—金融学] TP391.44[自动化与计算机技术—计算机应用技术] TN929.5[自动化与计算机技术—计算机科学与技术]