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产业数字金融助力"双循环"新发展格局的作用机理及其发展路径

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"双循环"新发展格局的关键在于实现实体经济循环流转和产业关联畅通,这对金融发展提出了更高要求.当前,金融助力"双循环"新发展格局面临诸多难点问题,距离新发展格局要求仍存在差距,产业数字金融的出现为破解相关难题带来契机.作为一种数字技术与产业、金融服务融合而产生的新型金融生态,产业数字金融直接面向产业经济和实体经济发展,覆盖产业所有节点,具有生态性、普惠性、融合性和数字化等特点,通过发挥靶向效应、"蒲公英"效应、资源优化效应和网络效应,能够打破空间限制、促进要素流动、缓解融资约束和提高风控水平,实现畅通产业循环、引领创造新需求、加快科技自立自强和防范系统性金融风险等发展目标,助力"双循环"新发展格局,推动高质量发展.文章认为,鉴于产业数字金融发展现状,需沿着融合数字经济与实体经济、改造数字基础设施、升级金融服务模式的发展路径,通过加强顶层设计、完善制度建设、加大科技投入、夯实数字基础设施、加强应用研究、扩大宣传推广等策略,加快推进产业数字金融发展壮大,进一步赋能"双循环"新发展格局.
The Mechanism and Development Path of Industrial Digital Finance Supporting the New Development Pattern of"Dual Circulation"
The key of the new development pattern of"Dual Circulation"lies in achieving circular circulation of the real economy and smooth industrial connections,which puts higher requirements on financial development.At present,the financial support for the new development pattern of"dual circulation"faces many difficult problems,and there is still a gap from the requirements of the new development pattern.The emergence of industri-al digital finance provides an opportunity to solve related problems.As a new financial ecosystem formed by the integration of digital technology,in-dustry and financial services,industrial digital finance is directly oriented towards the development of industrial and real economies,covering all nodes of the industry.It has ecological,inclusive,integrated and digital characteristics,and can play a targeted effect,like"dandelion"effect,re-source optimization effect,and network effect,breaking spatial constraints,promoting factor flow.It also can relieve financing constraints and im-prove risk control levels,achieve development goals such as smooth industrial circulation,leading the creation of new demand,accelerating techno-logical self-reliance and preventing systemic financial risks,to promote the new development pattern of"dual circulation",and promote high-quality development.Given the current development status of industrial digital finance,this article proposes the need to follow the development path of in-tegrating the digital economy and the real economy,transforming digital infrastructure,and upgrading financial service models.Through strategies such as strengthening top-level design,improving institutional construction,increasing investment in science and technology,consolidating digital infrastructure,strengthening application research,and expanding publicity and promotion,we will accelerate the development and growth of indus-trial digital finance.Further empower the new development pattern of"dual circulation".

王文进、葛鹏

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交通银行股份有限公司

双循环 新发展格局 产业数字金融 作用机理 发展路径

2024

世界经济研究
上海社科院世界经济研究所

世界经济研究

CSTPCDCSSCICHSSCD北大核心
影响因子:1.401
ISSN:1007-6964
年,卷(期):2024.(2)
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