Theoretical Mechanism and Implementation Path of"Data Element ×"Financial Services
With the accelerated development of digital technology and digital economy,data has been integrated into pro-duction,distribution,circulation,consumption and social service management quickly,and has become a new factor for the development of the financial industry.The transformation of"data elements ×"from connection to collaboration,use to reuse,and superposition to integration plays a positive role in reducing financial service costs,improving financial service efficiency,expanding financial service boundaries,innovating intelligent financial service products and scenarios,and cre-ating a new financial ecosystem,thus injecting new growth momentum into the financial industry.The theoretical mecha-nism of"data element ×"financial services includes three levels:collaborative optimization to promote digitalization of fi-nancial business,reuse and efficiency enhancement to assist in intelligent financial decision-making,as well as integration and innovation to achieve the emergence of financial value.At present,the combination of data elements and financial ser-vices has begun to bear fruit,but there are blockages and stuck points in data supply,circulation,development and utiliza-tion.It is necessary to make comprehensive efforts in improving systems and mechanisms,enriching scenarios,and carrying out prudent pilots,so as to give full play to the role of data elements as new quality productive forces and help build a fi-nancial powerhouse.
data elementmultiplier effectfinancial servicedata element market
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