黨的做好章助兩十大陳訴提議“添速滋長(cháng)數字經(jīng)濟，催促數字經(jīng)濟和真體經(jīng)濟深度合并”。數字設附焦點(diǎn)金融處事集會(huì )指出，金融要干好囊括數字金融在內的大文“五篇大作品”。數字科技的力金滋長(cháng)引頸新一輪財產(chǎn)革新，數字金融齊面賦能金融行業(yè)數字化轉型，融強推進(jìn)金融高品質(zhì)滋長(cháng)。國建改日，英文應延續深入數字金融賦能，做好章助推進(jìn)高水準對于外啟擱，數字設附促成金融禁錮數字化轉型，金融幫力金融強邦修設。大文

數字金融賦能金融行業(yè)數字化轉型。力金在頂層計算方面，融強銀行、國建證券、保障、理財等各種金融機洽商焦點(diǎn)證券托管機構等金融原形措施，紛紜將大舉滋長(cháng)金融科技、促成數字化轉型進(jìn)入兵法籌辦。在交易經(jīng)營(yíng)方面，主動(dòng)切磋運用區塊鏈、人為智能等數字歲月晉級厘革體例，推進(jìn)金融工作齊面線(xiàn)上化、自動(dòng)化、智能化，普及訊息傳播效益微風(fēng)險預警手腕。在產(chǎn)物革新方面，推進(jìn)建立“金融+”歸納性場(chǎng)景工作生態(tài)，切磋啟鋪數字證券刊行等工作，以客戶(hù)需要為重心齊面選拔工作質(zhì)效，為真體經(jīng)濟供應更多元、更矯捷、更精確的金融援助。

數字金融推進(jìn)金融高品質(zhì)滋長(cháng)。動(dòng)作“五篇大作品”之一，數字金融齊力援助普惠金融、養老金融、綠色金融等數字化滋長(cháng)。從融資端來(lái)瞅，精確滴灌小微企業(yè)，主動(dòng)工作墟落突起。比方，切磋運用前沿數字歲月，掘挖農業(yè)中心企業(yè)的購買(mǎi)、損耗、物淌等數據價(jià)格，為左右游企業(yè)供應貸款等金融工作。從拋資端來(lái)瞅，革新厘革工作平臺，惠及更加普遍的集體。比方啟鋪轉移金融運用舉措的無(wú)阻滯厘革，為視障、聞?wù)系瓤蛻?hù)供應符合其領(lǐng)會(huì )的工作；齊面晉級轉移金融運用舉措的適老化機能，工作暮年用戶(hù)更即捷地拋資養老金融等產(chǎn)物。別的，也將綠色、可延續滋長(cháng)等觀(guān)念融進(jìn)凡是經(jīng)營(yíng)，如運用前沿歲月挨造綠色、矮碳、環(huán)保機房，經(jīng)歷宣傳式架構供應平安高效、延續沒(méi)有斷的訊息歲月援助等。

數字金融幫力金融強邦修設。金融強邦理當具有重大的金融機構、邦際金融重心、金融禁錮等一系列閉鍵中心金融因素。干好數字金融大作品，幫力金融強邦修設，可從以停方面效力。一是脆持商場(chǎng)主宰，深入金融機構數字化轉型。延續沉構工作客戶(hù)形式，充實(shí)數字金融運用場(chǎng)景，加強數據同享協(xié)調，飽勵先行先試、表現演示效應。兩是脆持守正革新，推進(jìn)金融啟擱數字化轉型。數字金融革新運用由邦內商場(chǎng)拓鋪向邦際商場(chǎng)，可兼顧平安取滋長(cháng)，推進(jìn)數字金融工作高水準對于外啟擱，選拔爾邦在數字金融周?chē)陌铍H話(huà)語(yǔ)權和規則答應權。三是脆持體例看思，促成金融禁錮數字化轉型。金融產(chǎn)物和工作形式的革新添大了禁錮難度，可商討挨造禁錮大數據平臺、充實(shí)禁錮東西箱、革新禁錮形式，齊面選拔“五大禁錮”效用。

改日，應協(xié)力同修數字金融鼎盛態(tài)，推進(jìn)孕育各種金融手腕互相填補、金融機洽商金融原形措施各司其職、“五篇大作品”合并滋長(cháng)的伶俐好看，真實(shí)添強對于沉大兵法、沉點(diǎn)周?chē)臀⑷醮涡虻膬?yōu)良金融工作，以金融高品質(zhì)滋長(cháng)幫力金融強邦修設。

◇?原文本載《債券》2024年6月刊

◇?作家：鐘言

◇ 編纂：擦曉楓 劉穎

Contributing to Digital Finance Development and Supporting the Construction of a Strong Financial Industry

Zhong Yan

The report to the 20th CPC National Congress proposed to accelerate the development of the digital economy and promote integration between the digital economy and the real economy． The Central Financial Work Conference called for intensified efforts in “five major sectors”， including digital finance． The development of digital technology leads a new round of industrial transformation， and digital finance empowers the digital transformation of the financial industry， buttressing high-quality development of finance． In the future， continued efforts need to be put on empowerment of digital finance， high-level opening-up， and digital transformation of financial regulation， in a bid to pursue a strong financial sector．

Digital finance empowers the digital transformation of the financial industry． In terms of top-level design， various financial institutions， such as banks， securities firms， insurance companies and wealth management companies， and financial infrastructures， such as central securities depositories， have included FinTech and digital transformation in strategic plans． In terms of business operations， explorations have been made in system upgrading backed by digital technologies such as blockchain and artificial intelligence， so as to enable online， automated and intelligent financial services， and improve information transmission efficiency and risk warning capabilities． In terms of product innovation， financial institutions have been trying to create a “finance+” comprehensive scenario service ecosystem， explore digital securities issuance and other services， improve service quality and efficiency centered on customer needs， and provide more diverse， flexible and precise financial support for the real economy．

Digital finance promotes high-quality development of finance． As one of the “five major sectors”， digital finance supports the digital development of inclusive finance， pension finance and green finance． From the financing perspective， precise support can be offered to small and micro enterprises to facilitate rural revitalization． For example， cutting-edge digital technologies can be used to tap into the data value of procurement， production and logistics of core agricultural enterprises， and thus to provide financial services such as loans for upstream and downstream enterprises． From the investment perspective， service platforms can be transformed to benefit a wider range of groups． For example， mobile financial applications can be improved to provide accessible services for visually/hearing challenged customers； they can also be made more friendly to the elderly who can then invest in pension financial products more conveniently． In addition， green and sustainable development concepts can be integrated into daily operations， such as using cutting-edge technologies to create green， low-carbon and environmentally friendly data centers， and providing secure， efficient and continuous IT support through distributed architecture．

Digital finance helps build a strong financial sector in China． A strong financial sector needs a series of key elements including strong financial institutions， international financial centers and financial regulation． To pursue continued development in digital finance and help build a strong financial sector， efforts can be made in the following areas． First， financial institutions need to deepen digital transformation in a market-oriented manner． They can restructure the customer service model， extend the application scenarios of digital finance， and enhance data sharing and collaboration． Pilot programs can be encouraged to set examples． Second， it is suggested to promote the digital transformation of financial opening-up． With well-managed balance between security and development， innovative application of digital finance can be expanded from the domestic market to the international market， to promote high-level opening-up of digital financial services， and enhance China’s voice in rule-making in the field of digital finance． Third， digital transformation is also needed in financial regulation． The innovation of financial products and service models has made it harder for regulation． A plausible response may be to build a regulatory big data platform， enrich the regulatory toolbox and innovate regulatory models to enhance the efficiency of regulation in the “five key aspects”．

Looking forward， concerted efforts are required in pursuit of a new ecosystem of digital finance， and a dynamic landscape where various financial means complement each other， financial institutions and infrastructures fulfill their responsibilities， and the “five major sectors” are integrated for development． In this way， high-quality financial services can be provided to support major strategies， key areas and weak links， thus facilitating high-quality financial development and a strong financial sector．

This article was first published on Bond Monthly （Jun.2024）． Please indicate the source clearly when citing this article． The English version is for reference only， and the original Chinese version shall prevail in case of any inconsistency．

◇ Editors：Tu Xiaofeng， Liu Ying