数字金融基本内涵与未来发展｜金融与科技

Core Viewpoint - Digital finance is recognized as a key force and core content in building a strong financial nation, leveraging modern digital and information technologies to enhance the value of data resources and drive the digital transformation of the financial system [3]. Group 1: Definition and Evolution of Digital Finance - Digital finance is defined as a dynamic historical process where the financial system relies on modern digital technology and data resources as key production factors, driving organizational transformation and functional improvement to meet the demands of a digital and intelligent society [3][4]. - The concept of fintech dates back to the 1970s, initially referring to the integration of banking and computer technology, evolving to encompass significant impacts on financial markets and services through technological innovation [5][6]. - The evolution of financial technology has been marked by the introduction of automated services like ATMs and online banking, enhancing service levels and operational efficiency [6][7]. Group 2: Technological Advancements in Financial Services - The rise of the internet and mobile technologies has facilitated the development of various online financial services, such as internet banking and peer-to-peer lending platforms, transforming traditional financial service models [7][8]. - Modern digital technologies like big data, artificial intelligence, and blockchain are being utilized by financial institutions to innovate business models and improve service efficiency, enabling better credit assessments and fraud detection [8][9]. Group 3: Data Application and Governance in Digital Finance - Data application and governance are crucial in defining the business forms of digital finance, with low-cost and large-scale data availability being fundamental to the transition from an industrial to a data-driven economy [10]. - The potential of data as a key production factor is contingent upon effective internal governance, industry collaboration, and regulatory coordination [10].