数字金融发展之路的科技创新与实践要求

Core Insights - The article discusses the transformation of digital finance driven by advanced technologies such as big data, artificial intelligence, and blockchain, moving from "connected finance" and "intelligent finance" to "trusted finance" [1] - It highlights the Chinese government's initiatives to accelerate innovation in artificial intelligence and digital technologies, aiming to establish a modern financial system that aligns with the digital economy by 2027 [1][2] - The evolution of digital finance in China is characterized by a shift from quantity-driven growth to quality-driven development, emphasizing the importance of meeting the public's aspirations for better financial services [2] Group 1: Digital Finance Development - Digital finance in China has evolved from early electronic finance to internet finance and now to a quality-oriented digital finance ecosystem, reflecting the adaptability of production relations driven by technology [2] - The introduction of digital currency by the People's Bank of China serves as a foundational infrastructure for digital finance, optimizing financial markets and preventing financial crimes [2] - The 20th National Congress of the Communist Party of China has established the goal of building a strong financial nation, positioning digital finance as a core component of the mainstream financial system [2] Group 2: Technological Innovations - Advanced technologies such as quantum technology, generative artificial intelligence, and virtual reality are reshaping the underlying architecture and service models of digital finance [4] - The rapid iteration of large model technologies is driving the evolution of digital finance, enhancing capabilities in customer service, risk management, and transaction processing [5] - Privacy-enhancing computation technologies are enabling data value circulation while ensuring data security, supporting risk assessment and targeted marketing in financial institutions [5] Group 3: Financial Services and User Experience - Virtual reality technology is transforming user interactions with financial services, providing immersive experiences and enhancing remote financial service delivery [6] - Quantum technology offers efficient solutions for complex financial calculations, improving risk assessment and investment portfolio optimization [6] - Multi-modal biometric authentication technologies are being developed to enhance security and convenience in identity verification for emerging financial scenarios [6] Group 4: Data Integration and Asset Management - Data is recognized as a core production factor in the digital economy, with policies promoting the integration of data elements into financial services to enhance the level of service to the real economy [8] - High-quality financial data sets are essential for the development of digital finance, enabling compliance, risk management, and operational efficiency [9] - The establishment of a trusted data space is crucial for secure data circulation, addressing safety and trust issues in the development of digital finance [9] Group 5: Future Development Paths - The future of digital finance will focus on five development paths: integration of industry and technology, inclusive services, digital infrastructure, original innovation, and open collaboration [11] - The integration of advanced technologies in financial services aims to enhance service delivery and operational efficiency, while also addressing social financing issues [14] - Open collaboration in the financial ecosystem will facilitate cross-border cooperation and the development of innovative financial products for international investors [16]