5G与金融的融合路径与应用场景研究

作为当前信息基础设施的核心引领技术,5G对于推进经济社会高质量发展、建设网络强国和数字中国、打造智慧社会具有重要战略意义。作为与信息技术结合最紧密的行业之一,金融行业数字化转型同样需要5G技术的支持。本文在总结不同阶段移动通信技术与金融行业的融合发展特征的基础上,重点解析了“5G+金融”应用发展路径和作用模式,并结合银行、证券、保险三大金融领域的经营详细解析可落地的应用场景。最后提出5G在金融领域应用面临的挑战,并提出推动5G相关应用场景落地的对策建议。

Research on the Integration Path and Application Scenarios of 5G and Finance

As the core leading technology of the current information infrastructure,5G is of great strategic signifi⁃cance to promote the high-quality development of economic society,build a network power and digital China,and build a smart society.As one of the industries most closely integrated with information technology,the digital trans⁃formation of the financial industry also requires the support of 5G technology.Based on the characteristics of the in⁃tegration and development of mobile communication technology and the financial industry at different stages,this pa⁃per focuses on the analysis of the"5G+finance"application development path and mode of action,and it also ana⁃lyzes the application scenarios that can be implemented in combination with the operations in the three major finan⁃cial fields of banking,securities and insurance.Finally,the challenges facing the application of 5G in the financial field are put forward,and countermeasures and suggestions are proposed to promote the implementation of 5G-relat⁃ed application scenarios.