张伟：数字金融创新成效显著｜金融与科技

Core Viewpoint - Digital finance encompasses both technology-driven financial innovation and the digital transformation of the financial system, which is crucial for deepening financial reforms and promoting the integration of the digital economy with the real economy in China [3][4][8]. Group 1: Digital Transformation in Finance - The financial industry has made significant progress in digital transformation during the 14th Five-Year Plan period, enhancing the efficiency of financial products and services [4]. - Policies such as the "Financial Technology Development Plan (2022-2025)" and guidelines for the digital transformation of banking and insurance sectors have accelerated the pace of digital transformation in financial institutions [5]. - Financial institutions are leveraging technologies like artificial intelligence, big data, and blockchain to improve risk control, marketing, investment advisory, and operational management [5]. Group 2: Support for Digital Economy - The core industries of the digital economy are expected to account for about 10% of GDP by 2024, with significant improvements in digital innovation capabilities [6]. - The People's Bank of China and other departments have launched initiatives to accelerate digital financial innovation, supporting the development of core industries in the digital economy [6]. - The loan balance for core industries of the digital economy reached 8.2 trillion yuan, with a year-on-year growth of 13.0%, indicating a faster growth rate compared to other loan categories [6]. Group 3: Future Development of Digital Finance - The expansion of the digital economy necessitates the development of digital finance to seize opportunities presented by technological revolutions and industrial transformations [7]. - The integration of data, algorithms, and resources is accelerating the construction of a national data center system, providing foundational support for the development of digital finance [7]. - Financial institutions are required to adapt to new demands from the digital economy, enhancing their understanding of market needs and optimizing financial products and risk control models [7]. Group 4: Strategies for High-Quality Development - Strengthening policy guidance and activating new momentum for the digital economy is essential, including the formulation of a development plan for digital finance during the 15th Five-Year Plan period [8]. - A comprehensive legal and regulatory framework is needed to support digital financial governance, focusing on data security, personal information protection, and algorithm ethics [8]. - Enhancing infrastructure and technological support is crucial, with an emphasis on advancing computing power and applying technologies like cloud computing and artificial intelligence [8].