中国数字金融创新发展报告(2025)
| 书 名: |
中国数字金融创新发展报告(2025) |
| 英 文 名: |
ANNUAL REPORT ON CHINA’S DIGITAL FINANCE INNOVATION (2025)
|
| 作 者: |
欧阳日辉 主编; 刘澜飚 王博 联合主编 |
| I S B N: |
978-7-5228-6306-1 |
| 丛 书 名: |
|
| 关 键 词: |
数字金融 数字技术 数据要素 数字化转型 金融创新 |
| 出版时间: |
2025年12月 |
中文摘要
数字金融蓝皮书由中央财经大学中国互联网经济研究院与南开大学金融学院共同打造,以“深化数字技术应用、推进业态模式创新、支撑数字经济发展、优化数字金融环境”为目标,以数字金融高质量发展为主题,从理论创新、技术创新、模式创新和治理创新四个层面分析我国数字金融的发展和治理现状,展现国外数字金融发展态势,突出理论性、实践性和前瞻性。
数字金融是支撑数字经济发展的金融形态。本报告发现,2023年以来,数字支付用户规模、使用率持续增长,数字人民币试点地区和使用规模继续扩大,数字信贷极大拓展了金融服务的边界,消费数字金融更加便捷、智能和个性化,产业数字金融助力中小微企业数字化转型,数字技术支撑能力、数据治理与融合应用能力、金融监管数字化水平不断提升,开始形成数字金融和科技金融、绿色金融、普惠金融、养老金融协同发展的良好局面。
本报告研判我国数字金融将呈现五大趋势:AIGC推动金融创新,多模态数据融合应用;技术与服务场景深度融合,充分释放数字要素创新价值;构建开放协同的金融生态,打破内外壁垒;技术赋能小微企业金融,聚焦服务实体经济;升级智能化风控体系,动态管理金融风险。本报告提出,加强数字金融新型基础设施建设,持续优化市场化、法治化、国际化的营商环境,建立分级分类的公共数据开放机制,培育高质量金融数据市场,提升穿透式数智化监管能力,鼓励数字金融机构加快出海步伐。
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