Digital technology has brought profound changes to the real economy and the financial industry.From the information perspective,this paper delves into how digital technology transforms the financial industry,thereby promoting the development of the real economy.By reviewing the evolution of practices and concepts of digital finance,this paper proposes that the fundamental principle of digital finance serving the real economy lies in reducing information costs through digital technology,enhancing the fi-nancial industry's ability to collect and utilize information,and thus improving the efficiency of financial services.Taking five typ-ical business models—electronic payments,digital credit,wealth management,InsurTech,and supply chain finance—as examples,this paper discusses in detail the specific ways in which digital finance serves the real economy.Additionally,the paper explores the new risks brought by digital finance and their regulatory countermeasures.Looking ahead,the development of digital finance should adhere to serving the real economy,aligning with national strategies,leveraging technological advantages,promoting the construction of the data market and the digital transformation of enterprises,and facilitating high-quality economic development and common prosperity.
关键词
数字金融/实体经济/数字化/信息技术/新质生产力
Key words
digital finance/digital economy/information technology/digital transformation/Fintech
维普
万方数据