技术创新背景下我国金融科技2.0发展路径

金融科技2.0模式的核心特征是由资金端创新转向资产端创新和基础设施创新,在现有金融规范秩序下拓展金融服务维度,为普惠金融和智慧金融发展提供可能。由于技术和资金约束,我国金融科技2.0模式发展存在数字鸿沟过大、金融创新发展质量不高、金融创新网络安全及法规监管滞后等问题。本文从制度、技术和内需角度提出了具体优化发展路径,即鼓励技术创新和金融领域应用,通过监管创新规范金融科技转型发展;鼓励技术创新,推动科技企业技术变革;加速传统金融机构转型,拓展金融科技内需。

Development Path of China's Financial Technology 2.0 under the Background of Technological Innovation

The core feature of the financial technology 2.0 model is to shift from capital-side innovation to asset-side innovation and infrastructure innovation,expand the financial service dimension under the existing financial normative order and provide the possibility for the development of Inclusive Financing and smart finance.Due to technical and financial constraints,the development of Fintech 2.0 model in China has some problems,such as too large digital gap,low quality of financial innovation development,the network security of financial innovation and the lag of regulations and supervision.This paper puts forward a specific optimization development path from the perspective of system,technology and domestic demand,that is,encouraging technological innovation and application in the financial field and standardizing the transformation and development of financial science and technology through regulatory innovation;encouraging technological innovation and promoting technological change in science and technology enterprises;and accelerating the transformation of traditional financial institutions and expanding domestic demand for financial technology.