数字经济下的金融票据管理创新:数据融合路径的构建与应用  

Innovation in Financial Bill Management Under the Digital Economy:Construction and Application of Data Fusion Pathways

作　　者：施志晖 陆岷峰 SHI Zhihui;LU Minfeng(Jiangsu Su Merchants Bank;Shanghai Institute of Financial Science and Technology,Shanghai University)

机构地区：[1]江苏苏商银行 [2]上海大学上海科技金融研究所(上海市软科学研究基地)

出　　处：《金融经济》2025年第1期37-50,共14页Finance Economy

基　　金：国家社会科学基金一般项目“基于区块链技术的供应链金融共生融资模式与协同决策研究”(20BGL009)的阶段性成果;国家社会科学基金一般项目“互联网金融市场跨界风险的协同监管长效机制与政策研究”(21BJY022)的阶段性成果。

摘　　要：在数字经济背景下,金融票据管理亟需从传统模式向智能化、自动化方向转型。本文提出的金融票据管理系统以技术扩散理论为基础,通过创新的技术架构和数据融合路径设计,系统性地应对了金融票据管理中的复杂需求。该系统通过引入图像识别与OCR技术,构建基于多维度分层管理树的数据融合框架,实现了票据数据的自动化分类、精确校验及快速检索。实验结果显示,这一融合路径在数据处理精度、系统响应速度及稳定性方面优于现有管理模式,尤其在大规模数据环境下表现出了高度适应性和可靠性。本文为金融票据管理提供了技术支撑,为金融机构在数字化转型中应对多样化数据需求提供了有效解决方案,未来将进一步拓展该路径的适用性,并探索数据安全与隐私保护策略,为金融票据的数智化管理奠定基础。In the context of the digital economy,financial bill management urgently needs to transition from traditional models to intelligent and automated systems.This paper proposes a financial bill management system based on the technology diffusion theory,addressing the complex demands of financial bill management through an innovative technical architecture and data fusion pathway design.By incorporating image recognition and OCR technology,the system constructs a multi-dimensional hierarchical management tree framework for data fusion,enabling automated classification,precise validation,and rapid retrieval of bill data.Experimental results demonstrate that this fusion pathway outperforms existing management models in terms of data processing accuracy,system response speed,and stability,particularly showing high adaptability and reliability in large-scale data environments.This study provides technical support for financial bill management and offers an effective solution for financial institutions to meet diverse data demands during digital transformation.Future research will further expand the applicability of this pathway and explore data security and privacy protection strategies,laying the foundation for the intelligent and digital management of financial bills.

关 键 词：科技金融 数字金融 金融票据管理 技术扩散理论 数据融合路径 数智化管理 

分 类 号：F832.33[经济管理—金融学]