摘要
2023年底中央金融工作会议将科技金融列为新时期金融强国建设重要内容。科技金融因其高风险高回报特点,在推动其发展过程中,需要构建科技金融生态圈来明确各主体职能定位。同时研究生态圈运行机制,包括生态圈主体(企业、金融机构、金融市场、中介机构、政府等)、运行机制(市场机制与行政机制)、发展机制(自我平衡、稳定、提升与发展),以保障生态圈稳定有序运行。此外,还需解决“科技金融生态圈”目前存在的主要问题:一是商业银行的信贷资金投入与内外部风险补偿问题;二是生态圈不同主体之间的资金链平衡与稳定问题;三是市场与行政(或金融与财政)之间的分工与边界界定问题。只有深入研究科技金融生态圈理论框架和运行机制,并充分利用数字经济优势,才能推动科技金融高质量发展,继而服务实体经济。
The Central Financial Work Conference at the end of 2023 listed science and technology finance as an important part of the construction of a financial power in the new era.Because of its high risk and high return,in the process of promoting the development of science and technology finance,it is necessary to build a science and technology finance ecosystem to clarify the functional positioning of each subject.At the same time,the operation mechanism of the ecosystem is studied,including the main body of the ecosystem(enterprises,financial institutions,financial markets,intermediaries,governments,etc.),the operation mechanism(market mechanism and administrative mechanism),and the development mechanism(self-balance,stability,improvement and development),so as to ensure the stable and orderly operation of the ecosystem.In addition,it is also necessary to solve the main problems existing in the"technology and finance ecosystem".First,the investment of credit funds and the compensation of internal and external risks of commercial banks;Second,the balance and stability of the capital chain between different subjects of the ecosystem;The third is the division of labor and boundary demarcation between market and administration(or finance and finance).Only by deeply studying the theoretical framework and operating mechanism of the science and technology finance ecosystem and making full use of the advantages of the digital economy can we promote the high-quality development of science and technology finance and then serve the needs of the real economy.
作者
陆岷峰
LU Min-feng(Shanghai Institute of Science and Technology Finance,Shanghai University,Shanghai 200444)
出处
《湖南财政经济学院学报》
2024年第3期71-81,共11页
Journal of Hunan University of Finance and Economics
基金
国家社会科学基金一般项目“基于区块链技术的供应链金融共生融资模式与协同决策研究”(项目编号:20BGL009)。
关键词
科技金融
数字技术
金融生态圈
金融强国
science and technology finance
digital technology
financial ecosystem
financial power
