刘晓春：金融数字化创新必须始终把握创新的金融属性 避免单纯科技思维

Core Viewpoint - The essence of financial innovation is to address financial issues rather than merely pursuing technological applications. True innovation requires a systematic integration of three key technologies: financial technology, institutional technology, and scientific technology [1][10][13]. Group 1: Financial Innovation - Financial innovation must focus on solving financial problems, relying on financial technology for optimizing fund allocation, institutional technology for providing legal frameworks, and scientific technology as a tool for implementation [1][4][10]. - The financial sector must avoid a technology-first mindset, ensuring that all technological innovations serve the fundamental needs of finance [1][5][10]. Group 2: Role of Human Capital - Human involvement remains crucial in the digitalization and intelligence processes of finance, as technology cannot replace the complex human relationships and emotional aspects inherent in the industry [6][14][16]. - The belief that artificial intelligence can replace human roles is overstated; instead, AI requires significant human input for development, funding, and data management [6][16][17]. Group 3: Limitations of Technology - No single technology is all-encompassing; each has its limitations and must be matched with specific business needs to be effective [7][18]. - The financial sector must critically assess the applicability of technologies like blockchain, which have yet to demonstrate scalable, commercial success in areas like loan issuance [7][18]. Group 4: Cost-Effectiveness - Financial innovations must adhere to cost-effectiveness principles, ensuring that any technological adoption or innovation is financially viable and contributes to profitability [8][18].