金融科技对上海金融中心升级的影响探析

The Impact of Fintech on Shanghai’s Financial Center Construction

上海金融中心建设的焦点已经不是能否建成国际金融中心,而是如何在既定的国际金融中心结构体系下,突破发展瓶颈,形成上海的全球金融影响力和控制力。本文详细分析了当前上海金融业发展过程中存在的不足,认为以人工智能为代表的金融科技为上海金融中心升级提供了难得的历史机遇。金融科技在重塑中国信用体系、提高金融机构运行效率、解决金融市场信息不对称、强化金融监管能力等方面可以发挥重要作用,此外还有助于打造上海金融业品牌形象。上海需加强金融科技基础性研发投入、注重人才培养、提升人工智能技术与人的结合程度、加速智慧城市建设,为金融科技的发展和应用打下基础。

The key point of Shanghai’s financial center construction,for now,is not whether it will become the global financial center,but how to climb upward in the global financial center system,break the development bottleneck,form the impact and control on global finance.The author analyzes the shortcomings of Shanghai in the development of the finance industry.Fintech that is represented by Artificial Intelligence(AI)provides a historical opportunity for Shanghai to climb upward in the global financial center system.Fintech plays an important role in reconstructing the credit system in China,improving the efficiency of financial institutions,solving the asymmetric information in the financial market,and enhancing financial supervision.Moreover,it helps Shanghai establish a brand image in the financial industry.To build a foundation for the application and development of fintech,Shanghai needs to increase the basic R&D investment,focus on talent training,strengthen the combination of artificial intelligence and human,and speed up the intelligent city construction.