数字金融对传统金融业的变革性影响与转型路径

The transformative impact and transformation path of digital finance on traditional financial industry

当前我国数字金融发展已开始进入新的历史阶段,新技术的广泛应用正驱动传统金融业的发展变化,数字化亦成为数字经济时代传统金融业转型和发展的必然趋势。数字金融对传统金融业的影响是一个潜在持续的过程,数字金融发展在为传统金融业创新与转型带来新机遇的同时,金融新业态的产生以及金融活动的复杂化,使得传统金融业正面临日益严峻的挑战。应充分重视数字金融发展的深远影响,以惠民利企为原则,统筹谋划,积极布局,推进金融业态、金融模式和金融监管的变革升级,解决数字金融与传统金融、数据使用与数据安全、金融创新与金融监管间的平衡问题,助力传统金融业通过高质量数字化转型,提升服务实体经济能力。

At present,the development of digital finance in China has entered a new historical stage.The wide applica-tion of new technology is driving the development and change of traditional financial industry.Digitization has also become an inevitable trend for the transformation and development of the traditional financial indutry in digital economy era.The impact of digital finance on the traditional financial industry is a potentially continu-ous process.While the development of digital finance has brought new opportunities for the innovation and transformation of the traditional financial industry,the emergence of new financial formats and the complexity of finaneial activities make the traditional financial industry facing inereasingly serious challenges.Hence.full attention should be paid to the far-reaching impact of the development of digital finance.We should plan and actively lay out the financial industry,financial model and financial regulation in a way that benefits the people and enterprise,address the balance between digital finance and traditional fiance,data use and security,financial innovation and financial regulation,and help traditional finance to improve its ability to serve the real economy through high-quality digital transformation.