数字金融服务哈尔滨国家级新区发展问题研究

Research on Development of Digital Financial Services in Harbin National New District

数字金融是随着互联网、大数据等信息技术发展而产生的新一代金融服务,它颠覆了传统金融发展模式,以其多元化的业态形式深刻地改变了人民的生活方式,影响了社会生活的诸多方面。数字金融在为实体经济发展提供便利化、快捷化服务的同时,也带来了一些新的问题,甚至是系统性金融风险。本文以哈尔滨新区为研究对象,指出数字金融在服务新区发展中存在数据基础较为薄弱、传统金融机构转型较慢、数字金融监管不健全等问题,从基础设施建设、市场开放程度、金融监管体系等角度,提出数字金融服务新区发展的对策建议。

Digital finance is a new generation of financial services generated with the development of information technologies such as the Internet and big data. It has subverted the traditional financial development model, and has profoundly changed the people’s lifestyle and affected society with its diversified formats many aspects of life.While digital finance provides convenient and fast services for the development of the real economy, it also brings some new problems, even systemic financial risks. This article takes the Harbin New District as the research object,and points out that digital finance has weak data foundations, slower transformation of traditional financial institutions, and inadequate digital financial supervision in the development of new districts, from infrastructure construction, market openness, and financial supervision systems. From the perspective, put forward countermeasures and suggestions for the development of new areas of digital financial services.