对产业数字金融业务实践的若干思考

Thoughts on the practice of industry-wide digital financial services

产业数字金融业务在“数据可用”“数字可信”基础上,沿着积累数字资产、挖掘数字价值、创设数字信用、形成数字担保四个数字层次演进,最终目标是在实际业务中创设数字信用,并在银行实际业务中形成应用结果。

At present, digitalization of various industries and industry-wide digital financial services is driving innovation of financial services. Integrating into the country’s overall strategic plan and actively developing industry-wide digital financial services are important measures for the banking industry to build new competitive advantages and create a new development pattern. Mr.Guan believes that industry-wide digital financial services should evolve along four stages, i.e. accumulating digital assets, mining digital value, creating digital trust, and forming digital guarantees, on the basis of "data availability" and "digital trustworthiness". The final goal is to create digital trust in commercial banks’ businesses and make it applicable in reality.