关于把握数字化智能化发展浪潮提升中央银行履职能力的若干思考｜金融与科技

Core Viewpoint - The article emphasizes the importance of building a strong central bank through digital central bank construction, aiming to enhance the central bank's capabilities using digital and intelligent means, contributing to a modern financial system with high adaptability, competitiveness, and inclusiveness in China [3]. Group 1: Financial Digitalization and Intelligence - The financial industry is characterized as technology-intensive and innovation-driven, with a historical evolution of integrating finance and technology since the reform and opening up [5]. - China's financial informationization has progressed through electronic and network stages, establishing a solid foundation for the current digital and intelligent phase [5]. - Recent advancements in technologies such as artificial intelligence, big data, cloud computing, and blockchain are reshaping the global innovation landscape and financial service models, marking a significant transition to digital and intelligent finance [6]. Group 2: Impact on Financial Demand - The digital and intelligent transformation of the economy is creating new forms of economic activities, leading to new financial demands that align with the development of the smart economy and society [9]. - Financial demand is evolving from "embedding" to "integrating," where users expect seamless access to financial services in various life and production scenarios, facilitated by data sharing and advanced technologies [9]. - There is a shift in financial service expectations from "customization" to "adaptation," with users desiring services that can learn and adjust in real-time based on their behaviors and market conditions [10]. - Security concerns are transitioning from "perceptible" to "imperceptible," where users expect robust security measures to be integrated into financial services without compromising user experience [11].