数字经济赋能金融科技创新的机制和实现模式

The Mechanism and Implementation Models of Digital Economy Enabling FinTech Innovation

金融科技创新推动了整个金融行业向着智能化、数字化和风险可控的方向发展。而数字经济赋能金融科技创新成为新的经济增长点,其内部机制包括技术、人才和资源等,其外部机制包括政策、市场和竞争等,内外机制要协同发挥作用。数字经济赋能金融科技创新的模式包括商业模式、技术模式、组织模式和风险控制模式等,需要加强公共服务建设,创新创业支持;加强创新人才的培训,提升研发能力;加强金融监管,实现科技与风险控制的平衡;构建数字经济和金融科技生态系统,不断推动行业发展。建立国际化视野、强化监管、加速创新、拓展实践应用是数字经济时代背景下金融科技创新的必要选择。

Financial technology(FinTech)innovation is driving the entire financial industry towards intelligence,digitalization,and controllable risk.The digital economy enables fintech innovation to become a new economic growth point.Its internal mechanisms include technology,talent,and resources,while its external mechanisms include policy,market,and competition.Both internal and external mechanisms need to work in synergy.The models of digital economy enabling FinTech innovation include business models,technological models,organizational models,and risk control models.It is necessary to strengthen public service construction and support innovation and entrepreneurship;enhance the training of innovation-minded personnel to improve R&D capabilities;strengthen financial supervision to achieve a balance between technology and risk control;and construct ecosystems of digital economy and FinTech to continually drive industry development.Establishing an international perspective,reinforcing supervision,accelerating innovation,and expanding practical applications are essential choices for FinTech innovation in the context of the digital economy era.