新发展理念视角下的数字金融与经济高质量发展

Digital Finance and High-quality Economic Development from the Perspective of New Development Concepts

我国正处于产业升级关键时刻,数字金融作为转型的重要推动力,对经济变革影响深远。在新发展理念指导下,其与实体经济深度融合,为高质量增长带来新动力,拓宽了服务范围,增强了金融系统灵活性和效率,稳固了实体经济基础。数字金融兼具普及金融服务与驱动金融创新、拓宽小微融资、加速科技融合的双重功能,在经济转型中发挥杠杆作用,推动经济升级。它不仅可革新金融生态,增强国际竞争力,还是国家竞争力的关键支点。广泛应用数字金融,大力促进普惠金融,为创新企业和高科产业拓宽融资路径,加速经济结构调整,为政策制定者提供了重要指引;强调构建适宜监管体系,平衡创新与风险管理,可确保数字金融长期、稳定地支撑国家经济发展大局。

China is at a critical moment of industrial upgrading,and digital finance,as an important driving force for transformation,has a profound impact on economic transformation.Guided by the new development concept,it deeply integrates with the real economy,bringing new impetus to high-quality growth,expanding the scope of services,enhancing the flexibility and efficiency of the financial system,and stabilizing the foundation of the real economy.Digital finance has a dual function of popularizing financial services and driving financial innovation,expanding small and micro financing,and accelerating technological integration.It plays a leverage role in economic transformation and promotes economic upgrading.It not only innovates the financial ecosystem,enhances international competitiveness,but also serves as a key pivot for national competitiveness.The widespread application of digital finance vigorously promotes inclusive finance,broadens financing paths for innovative enterprises and high-tech industries,accelerates economic structural adjustment,provides important guidance for policy makers,emphasizes the construction of a suitable regulatory system,balances innovation and risk management,and ensures that digital finance supports the long-term and stable development of the national economy.