数字金融支持实体经济的路径与对策

How Digital Finance Supports the Real Economy:Path and Countermeasures

数字金融为实体经济高质量发展提供了有力支撑。近年来,数字金融的快速发展在扩大居民消费、优化投资结构、促进创新创业,以及提高金融服务效能等方面发挥着积极作用,并有效提升了宏观经济应对外部不利冲击的韧性。但是,我国数字金融的发展仍面临着诸多挑战,如数字金融在城乡、地区间发展不平衡不充分,数据安全与治理问题突出,金融产品同质化竞争加剧,金融风险不确定性上升,“创新—稳定”权衡难度加大等。我国应当进一步强化数字金融基础设施建设,加快金融机构数字化转型,完善科技伦理治理体系,加强行业自律,完善个人征信体系,推广公益金融活动,助力数字金融更好地支持实体经济高质量发展。

The use of digital finance helps promote high-quality growth in the real economy.Digital finance has been rapidly developing over recent years,supporting increased consumer spending,enhancing investment portfolios,encouraging innovation and entrepreneurship,strengthening the performance of financial institutions,and bolstering economic stability during times of crisis.Despite these benefits,however,there remain significant challenges hindering further advancement.This includes regional imbalances and gaps in infrastructure,pressing data security concerns,competitive pressures affecting product diversification,and emerging financial risk concerns.The trade-off between innovation and stability becomes more difficult.We should further strengthen the construction of digital financial infrastructure,accelerate the digital transformation of financial institutions,improve the technological ethics governance system,strengthen industry self-discipline,improve the personal credit reporting system,promote public welfare financial activities,and help digital finance better support the highquality development of the real economy.