数字金融与区域经济高质量发展

Digital Finance and High-Quality Development of Regional Economy

随着互联网、大数据、云计算、物联网和人工智能等数字技术运用于金融领域,传统金融业已进入数字化时代,金融服务于实体经济的广度更广、深度更深。当前中国经济已转向高质量发展的新阶段,数字金融所具备的共享、便捷、安全、低成本和低门槛特点契合了经济高质量发展的要求。数字金融能够发挥资源配置效应和普惠效应,促进区域经济高质量可持续发展;数字金融通过革新传统金融服务模式,提升金融服务实体经济的能力,为促进区域经济高质量可持续发展奠定了坚实基础。未来应深化数字金融体制机制改革以推动区域金融可持续发展,加强高素质人才培养以提升区域金融核心竞争力,完善数字金融法律法规以保障区域金融稳定发展,为促进中国区域经济高质量发展提供重要推力。

With the application of digital technologies such as the Internet,big data,cloud computing,the internet of things and artificial intelligence in the financial field,traditional financial industry has entered the digital era,with a broader and deeper service to the substantial economy.At present,China’s economy has turned to a new stage of high-quality development.The characteristics of digital finance,such as sharing,convenience,safety,low cost and low threshold,meet the requirements of high-quality economic development.Digital finance can give full play to the effect of resource allocation and inclusive effect,and promote the high-quality sustainable development of regional economy.By innovating traditional financial service model and improving the ability of finance to serve the substantial economy,digital finance has laid a realistic foundation for promoting the high-quality and sustainable development of regional economy.In the future,we should deepen the reform of digital financial system and mechanism to promote the sustainable development of regional finance,strengthen the training of highquality talents to enhance the core competitiveness of regional finance,and improve the laws and regulations of digital finance to ensure the stable development of regional finance,hence providing an important thrust for the highquality development of China’s regional economy.