摘要
数字金融通过互联网、云计算、大数据技术,对推动经济结构转型、促进消费结构升级等具有重要意义.为了解吉林省数字金融发展进程,人民银行吉林省分行选取辖内延边州和松原市部分金融机构样本开展摸底调查,总结得出:银行业金融体系近年来在数字金融领域屡有创新,于数字金融基础设施建设、金融机构数字化转型和数字化线上金融服务三方面有所突破,同时也面临着开发资金受限、技术能力不足、信息安全难控、监管标准不一等挑战及困难,建议通过搭建数字平台、集中政策引导、提升安全技术和统一监管标准等举措逐一攻克.
Abstract
Digital finance,through the Internet,cloud computing,and big data technology,is of great significance in promoting the transformation of the economic structure and upgrading the consumption structure.In order to understand the development process of digital finance in Jilin Province,the Jilin Branch of the People's Bank of China has conducted a mapping survey on some samples of financial institutions in Yanbian Prefecture and Songyuan City under its jurisdiction,and concluded that:the banking and financial system of Jilin Province has been innovating in the field of digital finance in recent years,and has made breakthroughs in the three aspects of digital financial infrastructure construction,digital transformation of financial institutions,and digital online financial services,but is also faced with the constraints of limited development funds,insufficient technological capabilities,and difficult information security.At the same time,it also faces challenges and difficulties such as limited development funds,insufficient technical capacity,difficult to control information security,and different regulatory standards,etc.It is suggested to overcome them one by one by building digital platforms,centralizing policy guidance,upgrading security technology,and unifying regulatory standards.
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