我国银行业技术创新发展的问题分析与建议  

Technological innovation and development in China’s banking industry:Problems and countermeasures

作　　者：张楚晗 董纪昌 董志 李秀婷 ZHANG Chuhan;DONG Jichang;DONG Zhi;LI Xiuting(School of Economics and Management,University of Chinese Academy of Sciences,Beijing 100190,China;MOE Social Science Laboratory of Digital Economic Forecasts and Policy Simulation,University of Chinese Academy of Sciences,Beijing 100190,China)

机构地区：[1]中国科学院大学经济与管理学院,北京100190 [2]中国科学院大学,数字经济监测预测预警与政策仿真教育部哲学社会科学实验室(培育),北京100190

出　　处：《中国科学院院刊》2023年第7期1060-1066,共7页Bulletin of Chinese Academy of Sciences

基　　金：中国科学院学部咨询评议项目(E1E90802A2);国家自然科学基金(71850014、71974180)。

摘　　要：随着科学技术深度融入产业变革,我国银行业依托业务和技术的“双轮”创新驱动发展,技术创新水平迈上新台阶,创新能力蓬勃成长,但仍面临关键信息基础设施薄弱、核心技术受制于人等问题与挑战,亟待探索构建相对完整、自立自强、稳定安全的银行业技术体系。文章回顾了我国银行业技术创新发展历程与主要成效,从技术实力、人才培养、数据要素治理、组织建设和监管科技发展共5个层面总结提炼了我国银行业技术创新发展面临的关键问题及对应建议,并提出了健全创新引导政策体系、完善技术供需匹配机制等综合性对策。With the deep integration of science and technology into industrial transformation,the technological innovation in China’s banking industry has reached a new level with growing capacity for innovation,relying on the“dual-wheel”innovation-driven development of business and technology.However,there are still problems and challenges for the technological innovation and development in China’s banking industry,such as concerns about the safety of key information infrastructure and high dependence on foreign sources for core technology.It is urgent to build a relatively complete,self-reliant,stable,and secure banking technology system.This study reviews the development process and main achievements of technological innovation in China’s banking industry,analyzes the major problems in the technological innovation and development in China’s banking industry from five aspects,including technological power,talent cultivation,data governance,organizational construction,and regulatory technology development,and further proposes comprehensive countermeasures,such as improving the innovation guidance policies,and enhancing the supplydemand matching mechanism for core technology.

关 键 词：银行业 技术创新 技术体系 专利计量 

分 类 号：F832.3[经济管理—金融学]