金融科技助力实体经济高质量发展的理论探讨  

Theoretical Research on Fintech Boosting High-quality Development of The Real Economy

作　　者：张振 付琼[1,2] Zhang Zhen;Fu Qiong

机构地区：[1]吉林财经大学金融学院,吉林长春130117 [2]吉林财经大学吉林农村金融研究中心,吉林长春130117

出　　处：《企业经济》2023年第3期134-140,共7页Enterprise Economy

基　　金：吉林省教育厅科学研究项目“新发展格局下吉林省强化经济韧性路径研究”(项目编号:JJKH20230163SK);吉林省教育科学“十四五”规划2021年度重点课题项目“金融科技背景下吉林省高校复合型金融人才培养对策研究”(项目编号:GH21197);长春市哲学社会科学规划项目“长春市金融科技与中小企业信贷供给研究”(项目编号:CSKT2022ZX-024)。

摘　　要：科学技术与金融深度融合为金融业注入了无限的创新动力,推动了金融科技行业的迅速发展。金融科技作为数字经济的核心力量,在赋能金融服务实体经济的过程中发挥着积极作用,以大数据、区块链、人工智能为代表的新一代信息技术正在成为驱动实体经济高质量发展和高效率运转的新动力,在降低交易成本、推动个人消费金融发展、帮助中小企业拓宽融资渠道、助力产业转型升级等方面扮演着重要角色。未来我国应建立数字技术驱动的商业体系、构建金融科技创新产业格局、完善金融科技监管体系、加强复合型金融人才培养,从而助力实体经济高质量发展,全面融入新发展格局。The deep integration of science and technology and finance has injected unlimited innovation power into the financial industry and promoted the rapid development of the fintech industry.As the core force of the digital economy,fintech plays a positive role in enabling finance to serve the real economy.The new generation of information technology represented by big data,blockchain and artificial intelligence is becoming a new driving force for high-quality development and efficient operation of the real economy,and playing an important role in reducing transaction costs,promoting the development of personal consumption finance,helping small and medium-sized enterprises to broaden financing channels,and facilitating industrial transformation and upgrading.In the future,China should establish a business system driven by digital technology,build the industrial pattern of fintech innovation,improve the supervision system of fintech,and strengthen the training of compound financial talents,so as to achieve high-quality development of the real economy and fully integrate into the new development pattern.

关 键 词：金融科技 高质量发展 理论框架 产业升级 

分 类 号：F832[经济管理—金融学] F204