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中国金融科技运行报告(2023)

书 名: 中国金融科技运行报告(2023)
作 者:  杨涛 贲圣林 杨东 宋科 刘勇
I S B N: 978-7-5228-2354-6
关 键 词:  金融科技 科学技术 科技创新
出版日期: 2023-10-01

中文摘要

《中国金融科技运行报告(2023)》系国家金融与发展实验室、中国社会科学院金融研究所与金融科技50人论坛(CFT50)联合推出的系列年度报告的第六本。报告旨在系统分析国内外金融科技创新与发展状况、演进动态与市场前景,充分把握国内外金融科技领域的制度、规则和政策变化,不断完善金融科技的相关理论基础与研究方法。

报告主要包括五个部分。一是深入分析当金融拥抱科技时,究竟有哪些科技需要关注。围绕大数据技术、人工智能技术、互联技术、分布式技术、安全技术等,报告“技术篇”从基础技术及应用层面,针对相关技术类别,进行了理论探讨与动态跟踪。二是技术创新早已成为金融变革主线,只是在新形势下才趋于“质变”。由此,报告“行业篇”从银行业、证券业、保险业、信托业的角度,深入探讨传统金融行业拥抱科技的情况及前景。三是根据金融稳定理事会和巴塞尔委员会的分类方法,金融科技活动主要分为支付清算、存贷款与资本筹集、投资管理等。报告依托该分类原则,在“业务篇”中,侧重于分析金融科技创新的新模式、新形态。四是金融科技的健康发展,离不开对风险与安全的深入思考,风险分析、信用科技、监管科技与合规科技,本身就构成金融科技研究的重要领域。报告“风险篇”试图在此方面弥补现有研究的不足。五是报告“比较篇”依托全球视野,探索金融科技理论、政策与实践的比较研究范式。

本报告能够为金融科技相关监管部门、自律组织及其他经济主管部门提供重要的决策参考,为金融科技企业和金融机构的业务探索提供有效支撑,为金融科技领域的研究者提供文献素材。

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