数字金融:潜力趋势、面临问题与未来选择——基于金融行业和机构的视角  

Digital Finance:PotentialTrends,Problems Faced and Future Options——Perspectives based on the Financial Industry and Institutions

作　　者：娄飞鹏 Lou Feipeng

机构地区：[1]中国邮政储蓄银行总行,北京100808

出　　处：《西南金融》2025年第3期87-98,共12页Southwest Finance

摘　　要：做好数字金融大文章,对于推进金融数字化转型,更好服务经济社会发展,建设金融强国,巩固和发展数字经济优势等具有积极作用。数字金融是基于数字技术进步发展演变而成的金融模式,其具有自己的发展趋势,易于凸显规模优势和先发优势。目前,数字金融发展不仅面临外部政策、制度、基础设施不够健全完善等方面的不足,在金融机构实践中也存在战略组织、业务模式、风险管理、技术应用等方面的问题。为了更好推进数字金融高质量服务经济社会发展,需要基于数字金融特点完善金融经营服务模式,综合考虑多种因素做好金融风险管理,持续探索数字技术在金融领域的应用。Doing a good job in digital finance plays a positive role in promoting the digital transformation of fi⁃nance,better serving economic and social development,building a financial powerhouse,and consolidating and de⁃veloping the advantages of the digital economy.Digital finance is a financial model based on the development of digital technology,which has its own development trend and can easily highlight the advantages of scale and firstmover advantages.At present,the development of digital finance not only faces deficiencies in external policies,systems and infrastructures that are not sound enough,but also problems in the practice of financial institutions in terms of strategic organization,business models,risk management and technology application.In order to better promote digital finance to serve economic and social development with high quality,it is necessary to improve the financial operation and service model based on the characteristics of digital finance,do a good job of financial risk management by comprehensively considering a variety of factors,and continue to explore the application of digital technology in the financial field.

关 键 词：数字金融 数字经济 金融强国 金融科技 数字技术 数字化转型 人工智能 风险管理 

分 类 号：F49[经济管理—产业经济]