数字金融基础设施的构建路径探析——以台州市掌上数字金融平台为例  

The Construction Path of Digital Financial Infrastructures--A Case Study of Taizhou's Handheld Digital Financial Platform

作　　者：彭明旭 吴仁水 Peng Mingxu;Wu Renshui(School of Business,Taizhou University,Taizhou 318000,China;Taizhou Microfinance College,Taizhou 318000,China)

机构地区：[1]台州学院商学院,浙江台州318000 [2]台州小微金融学院,浙江台州318000

出　　处：《台州学院学报》2025年第2期85-92,共8页Journal of Taizhou University

基　　金：国家社会科学一般项目“数字贸易时代知识产权价值链的演进机制与升级路径研究”(21BJY055);浙江省高校科研一般项目“基于PSR模型下小微金融促进共同富裕的机制、路径和政策研究”(Y202249734)。

摘　　要：台州市掌上数字金融平台的构建遵循了新结构经济学的发展路径,从经济发展阶段到要素禀赋及其结构,再到企业资本规模分布和风险特征,最终形成数字金融服务平台。该平台成功地化解了数字金融基础设施建设/管理与公共监管之间的矛盾,构建了“监管机构—行业协会—平台”的三方协同监管模式。构建数字金融基础设施应遵循合理的逻辑路径,充分发挥市场各主体的作用,妥善处理建设/管理和监督之间的矛盾,并借鉴区域改革的中国经验,以推动现代金融体系的发展。The construction of Taizhou's handheld digital financial platform adheres to the developmental path proposed by new structural economics,from the economic development stage through the structure of factor endowments to the distribution and risk characteristics of enterprise capital scales,culminating in the formation of a digital financial service platform.The platform has successfully resolved the contradictions between the construction of digital financial infrastructures(management)and public regulation,establishing a tripartite cooperative supervision model of"regulatory authority-industry association-platform".The construction of digital financial infrastructures should follow a rational logical path,give full play to the role of various market entities,properly handle the contradictions between construction(management)and supervision,and draw on the Chinese experience of regional reforms to promote the development of the modern financial system.

关 键 词：新结构经济学 数字金融基础设施 掌上数字金融平台 协同监管 金融改革 台州市 

分 类 号：F832.7[经济管理—金融学]