摘要
近年来,数字技术与金融业务不断融合,在催生新兴数字金融业态、提高金融服务效率的同时,也深刻影响着中国的金融机构和金融市场体系。金融交易最大的难题在于处理信息不对称,以及由此造成的逆向选择和道德风险问题。数字技术的最大贡献恰恰是帮助降低信息不对称的程度,尤其是那些传统金融机构难以触达、难以服务的中小微企业和低收入人群。中国数字技术与金融创新在解决普惠金融发展中普遍存在的"获客难""融资难"问题方面,提供了一条可能的路径。这些创新对传统金融机构甚至对世界各国金融业发展具有十分重要的启示意义。中国数字技术与数字金融的发展,推动了金融监管环境的变化,并对监管效率提升提出了新要求,中国金融监管的实践也对世界金融监管改革提供了新的借鉴经验。
Digital technologies,including big data,artificial intelligence,and cloud computing,have had rapid growth in China.Integrating with financial transactions,these digital technologies help develop new digital financial business and promote financial efficiency;at the same time,they have also significantly influenced China’s financial institutions and reshaped the financial system.While the key challenge of financial transaction lies in information asymmetry and the related problems of adverse selection and moral hazard,the fundamental advantage of digital technologies is reduction of the problem of information asymmetry,especially for small and medium-sized enterprises and low-income households.China’s digital financial innovation has made it possible to solve the problems of customer access and financial difficulty.This innovation sheds new light on the traditional financial institutions in China and the rest of the world.China’s digital finance regulatory practice has also contributed to changes in regulatory environment and provided new thoughts for international financial regulatory reform.
作者
王勋
黄益平
苟琴
邱晗
Wang Xun;Huang Yiping;Gou Qin;Qiu Han
出处
《国际经济评论》
CSSCI
北大核心
2022年第1期70-85,6,共17页
International Economic Review
