The Mechanism and Implementation Models of Digital Economy Enabling FinTech Innovation
Financial technology(FinTech)innovation is driving the entire financial industry towards intelli-gence,digitalization,and controllable risk.The digital economy enables fintech innovation to become a new eco-nomic growth point.Its internal mechanisms include technology,talent,and resources,while its external mecha-nisms include policy,market,and competition.Both internal and external mechanisms need to work in synergy.The models of digital economy enabling FinTech innovation include business models,technological models,or-ganizational models,and risk control models.It is necessary to strengthen public service construction and support innovation and entrepreneurship;enhance the training of innovation-minded personnel to improve R&D capabili-ties;strengthen financial supervision to achieve a balance between technology and risk control;and construct eco-systems of digital economy and FinTech to continually drive industry development.Establishing an international perspective,reinforcing supervision,accelerating innovation,and expanding practical applications are essential choices for FinTech innovation in the context of the digital economy era.
digital economyfinancial technologyinnovation mechanisminnovation modelinnovation path
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