金融领域数字化转型背景下的元宇宙发展研究

Research on the Development of the Metaverse in the Background of Digital Transformation in the Financial Field

元宇宙为金融业数字化转型提供了“新质生产力”,促进了金融领域创新发展。本研究阐述了元宇宙的概念特性及发展现状,介绍了元宇宙在金融领域数字人、数字空间、数字资产的应用,分析了元宇宙对金融领域科技创新、产品研发、服务模式的影响,并从规则、发展、管理三个方面提出了我国金融领域元宇宙发展的对策建议,深化了金融领域元宇宙发展理论研究,对推动金融业抢占元宇宙新高地具有重要意义。

The Metaverse provides"new quality productive forces"for the digital transformation of the financial industry,promoting innovative developments in the financial field.This study elaborated on the conceptual characteristics and current state of the Metaverse development,and introduced the application of digital humans,digital spaces,and digital assets in the financial field.This study analyzed the impact of the Metaverse on technological innovation,product research and development,and service models in the financial field,and proposed policy recommendations for the development of the Metaverse in the financial field of China from the aspects of rules,development,and management.This study deepened the theoretical research on the development of the Metaverse in the financial field and was of significant importance for promoting the financial industry to seize new high grounds in the Metaverse.