数字经济背景下“元宇宙+小微金融”服务模式研究

Research on the Service Mode of “Metaverse+Small and Micro Finance” under the Background of Digital Economy

“元宇宙+小微金融”服务模式使商业银行小微金融服务在传统技术应用的基础上又进了一大步。做好“元宇宙+小微金融”服务模式的创新工作,必须构建元宇宙小微金融服务平台,形成一个与实体场景完全一致的虚拟小微金融服务世界,推动小微金融服务各个环节的创新与再造,大力培育和管理好数字机器人员工队伍,不断优化小微金融业务各参与主体的沉浸式体验感,严防虚拟世界的管理风险外溢,保持元宇宙小微金融业务的健康、稳步发展。

The service mode of “metaverse+small and micro finance”is the big step forward of the small and micro financial services of commercial banks based on the application of traditional technology. To optimize“metaverse +small and micro finance”service mode innovation, it is necessary to build the platform of metaverse small and micro financial services, forming a virtual world of small and micro financial services which is completely consistent with the real scene, and promote the innovation and reconstruction of each link of small and micro financial service, foster and manage the team of digital robot staff, continuously improve the immersive consumption sense of all participants in small and micro finance business, strictly observe the management risk spillover of virtual world, and maintain the healthy and steady development of small and micro finance business in the metaverse.