金融本质、信息不对称与元宇宙金融

Financial Essence,Information Asymmetry,and Metaverse Finance

受信息获取和处理能力的限制,信息不对称普遍存在并影响经济交易效能的最大化,同时也随着经济社会发展和信息处理能力的变化而动态调整。金融是在不同的信息不对称条件下,通过向经济社会提供新中介、新产品和新服务,化解经济交易中的信息不对称问题,其存在的基础是经济交易中的信息不对称环境,同样适应信息不对称的变化而变化。元宇宙时代,基于元宇宙技术的应用,市场主体获取信息和处理能力上升,改变了信息不对称状况,传统金融存在的根基被动摇,将面临重构,主要表现在银行作为信用中介职能的削弱、保险行业的萎缩,以及平台金融的兴起。金融逐步由资金融通、财富管理、风险对冲转变为为实现这些目标而提供专业服务、专业产品策划为主的第三方服务机构。金融业要充分认知元宇宙对金融的影响,并在基础设施、制度框架、市场监管等方面提前布局,以适应市场需求。

Information asymmetry,stemming from the limitations in acquiring and processing information,is a prevalent phenomenon that affects the maximization of transaction efficiency in the economy.Moreover,it dynamically adjusts with the development of economic society and changes in information processing capabilities.In various conditions of information asymmetry,finance plays a crucial role in resolving information asymmetry problems in economic transactions by providing new intermediaries,products,and services to the economic society.Finance's existence is rooted in the information asymmetry environment present in economic transactions,and it also adapts to changes in the situation of information asymmetry.In the era of the Metaverse,the application of Metaverse technology enhances market participants'information acquisition and processing capabilities,thereby altering the information asymmetry situation.This transformation challenges the foundations of traditional finance and necessitates its reconstruction,evident in the weakening of banks as credit intermediaries,the contraction of the insurance industry,and the rise of platform finance.Finance is gradually transitioning from being primarily involved in fund intermediation,wealth management,and risk hedging to becoming third-party service providers that offer specialized services and product planning to achieve these objectives.The financial industry must fully understand the impact of the Metaverse on finance and proactively position itself in infrastructure,regulatory frameworks,market supervision,and other aspects to meet market demands.