专题：稳舵行远篇丨金融新启航 在经济转型与周期波动交织的背景下，金融体系承担着稳预期、稳增长、稳结构的重要使 命。如何在复杂环境中把握方向、校准节奏，成为金融业必须直面的现实课题。 新浪财经推出《金融新启航·稳舵行远篇》专题系列，聚焦宏观政策取向、金融运行逻辑与 重点领域改革进展，邀请金融业界专家和学者，围绕金融如何更好服务实体经济、提升体系 韧性展开深入讨论，记录中国金融"稳中求进"中的关键判断与实践路径。 上海新金融研究院副院长、上海交通大学中国金融研究院副院长刘晓春受邀参加"第18届金麒麟论坛· 金融新启航"时，围绕金融数字化、智能化创新中的核心问题展开分享，探讨了技术应用、金融本质与 人的作用等关键话题，为行业发展提供了理性思考。 刘晓春在演讲中回顾了近十多年来金融领域的技术变革，从互联网金融、金融科技，到区块链、稳定 币、RWA，再到去年大热的人工智能，期间还出现过元宇宙等热点。他指出，各类技术兴起时，大家 描绘的蓝图看似美好，但始终存在难以突破的"最后一公里"、无法消除的中间环节以及持续存在的信息 不对称问题。这些问题虽被认为可以通过技术解决，但十多年过去，并未得到真正解决，这也让他 对"科技究竟 ...

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].

Core Insights - The "2025 Capital Market High-Quality Development Forum" recognized Shanghai Securities with two awards, highlighting its commitment to digital innovation and social responsibility [1] - The company developed a "Fund Evaluation Service Platform" and a "Fund Investment Assistant" WeChat mini-program, which are key achievements in its digital transformation efforts [1] Group 1: Digital Innovation - The platform's core value lies in three aspects: intelligent and standardized research processes, which enhance the breadth, depth, and efficiency of investment decision-making through machine learning models and a professional database [2] - The dual-end layout of the project integrates services for both institutional clients (B-end) and individual investors (C-end), providing specialized tools for asset management and simplifying complex investment logic for personal investors [2][3] - The project successfully transforms internal research capabilities into digital products that support frontline investment advisors and marketing teams, creating a positive feedback loop that enhances service quality [3] Group 2: Rural Revitalization - Shanghai Securities systematically advances rural revitalization efforts by focusing on seven paired assistance counties, employing a strategy centered on "precise measures" and "brand co-construction" [3][5] - The company utilizes financial tools like green bonds and rural revitalization bonds to support local industries, and has innovatively launched projects such as the "insurance + futures" model for red dates to ensure farmers' income [3] - The company emphasizes tailored support for each county, contributing to local brand development, cultural preservation, and environmental improvements [3][4] Group 3: Social Responsibility - Through the "Shangzheng Yixin" public welfare brand, the company engages in various social projects in health, education, and ecology, benefiting over 200,000 people [4] - The company focuses on "intellectual and motivational dual support," enhancing the capabilities of grassroots personnel and increasing the income of numerous farming households [4][5] - Shanghai Securities aims to create a replicable financial empowerment model while continuing to optimize its digital investment research tools and enhance client experiences [5]