首页|数字金融促进新质生产力发展的机理和路径研究——基于科技—产业—动能—生态视角

数字金融促进新质生产力发展的机理和路径研究——基于科技—产业—动能—生态视角

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数字金融是与数字经济相匹配的金融业态,发展数字金融是提升金融新质生产力的必然要求,对于做大做强做优数字经济具有重要作用.本文提出"三场革命、三维创新、一个生态"的理论分析框架,分析得出:数字金融带来技术革命、交易革命、决策革命,推动科技、产业和动能三维创新与新质生产力发展深度耦合,形成数字金融与新质生产力协同共生的金融新生态.在具体实践路径上,数字金融支持金融科技技术革命性突破和金融服务模式创新性重构,帮助金融机构形成更敏捷、更智能、更高效的经营能力,进而推动形成科技-产业-金融良性循环的数字金融生态,赋能实体经济深度转型升级,推动新质生产力加快发展.数字金融促进新质生产力发展,必须加大力度鼓励数字金融技术创新,为数字金融技术赋能产业创新营造良好的营商环境,推动数据在数字金融创新中发挥更大的作用,构建数字金融与新质生产力共建生态、共促发展的新模式.
Mechanism and Pathways of Digital Finance Promoting the Development of New Quality Productive Forces:A Perspective Based on Technology,Industry,Momentum and Ecosystem
In the context of accelerating the development of new quality productive forces,a key issue is how to harness the potential characteristics of digital finance to support the cultivation and development of new quality productive forces,thereby effectively implementing the strategy of promoting the building of a leading country in finance through high-quality financial development and diligently accomplishing the five major financial tasks.However,existing literature on the theoretical and empirical research of how digital finance promotes the development of new quality productive forces is limited.Particularly at the theoretical level,the intrinsic relationship and logical connection between the two have not been clearly elucidated,and there is a lack of a comprehensive research framework that integrates digital finance with new quality productive forces.This paper,from the perspective of technology,industry,momentum and ecosystem,proposes a theoretical analysis framework known as"three revolutions,three innovations,one ecosystem."This framework attempts to study digital finance and new quality productive forces within a unified system.The theoretical analysis presented in this paper concludes that digital finance drives three major revolutions within traditional financial sectors-technological revolution,transactional revolution,and decision-making revolution.These three revolutions facilitate three-dimensional innovations in technology,industry,and momentum within the real economy and further integrate with the development of new quality productive forces,thereby forming a new financial ecosystem where digital finance and new quality productive forces synergize and co-evolve.Compared to previous literature,this paper makes contributions in two significant ways.First,it further clarifies the commonalities and characteristics between digital finance and new quality productive forces,aligning the three revolutions of digital finance with the three-dimensional innovations of new quality productive forces within the real economy.This theoretical groundwork provides a solid foundation for the practical pathways through which digital finance promotes the development of new quality productive forces.Second,unlike static analyses,this paper innovatively unifies digital finance and the development of new quality productive forces within a dynamic framework of an innovation ecosystem,constructing a new financial ecosystem where digital finance and new quality productive forces synergize and co-evolve,thus offering a valuable perspective for the theoretical exploration of how digital finance can promote the development of new quality productive forces.

digital financenew quality productive forcesfinancial ecosystemvirtuous cycle of technology,industry,and finance

欧阳日辉、孙磊、范秋辞

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中央财经大学 中国互联网经济研究院,北京 100081

马上消费研究院数字金融研究所,重庆 401120

数字金融 新质生产力 金融生态 科技-产业-金融良性循环

国家社会科学基金重大项目国家社会科学基金重大项目

22&ZD07021&ZD196

2024

东北财经大学学报
东北财经大学

东北财经大学学报

影响因子:0.969
ISSN:1008-4096
年,卷(期):2024.(5)