中國財富管理50人論壇1月7日在北京發布了《加快數字金融與工業互聯網融合發展》報告(gao)。該報告(gao)由(you)中(zhong)(zhong)國(guo)(guo)財富管理50人論壇(tan)組織，全(quan)國(guo)(guo)政協委員、中(zhong)(zhong)國(guo)(guo)證監會原主席(xi)肖鋼牽頭，工商銀行首席(xi)技術官呂仲濤團隊、中(zhong)(zhong)國(guo)(guo)工業(ye)(ye)(ye)互聯網研(yan)究(jiu)院總工程師張曉彤團隊、清華大(da)學中(zhong)(zhong)國(guo)(guo)與(yu)世界經濟研(yan)究(jiu)中(zhong)(zhong)心研(yan)究(jiu)員石(shi)錦建、國(guo)(guo)家信息中(zhong)(zhong)心信息化(hua)與(yu)產業(ye)(ye)(ye)發展部戰略規劃處(chu)處(chu)長胡(hu)擁軍、百度智能云(yun)產業(ye)(ye)(ye)等業(ye)(ye)(ye)內專家共同完成。
報告首先對數(shu)(shu)字(zi)金(jin)融(rong)(rong)(rong)與工(gong)業(ye)互(hu)聯(lian)網(wang)(wang)(wang)的(de)內涵和特征進行了梳理(li)，并(bing)在此基礎(chu)上(shang)詳細闡(chan)述了數(shu)(shu)字(zi)金(jin)融(rong)(rong)(rong)與工(gong)業(ye)互(hu)聯(lian)網(wang)(wang)(wang)融(rong)(rong)(rong)合(he)(he)發(fa)展(zhan)的(de)重大意義。通過淺析當(dang)下我國數(shu)(shu)字(zi)金(jin)融(rong)(rong)(rong)與工(gong)業(ye)互(hu)聯(lian)網(wang)(wang)(wang)融(rong)(rong)(rong)合(he)(he)發(fa)展(zhan)的(de)成效和趨勢，結(jie)合(he)(he)數(shu)(shu)字(zi)金(jin)融(rong)(rong)(rong)服務消費互(hu)聯(lian)網(wang)(wang)(wang)和工(gong)業(ye)互(hu)聯(lian)網(wang)(wang)(wang)的(de)區別(bie)，總(zong)結(jie)出數(shu)(shu)字(zi)金(jin)融(rong)(rong)(rong)與工(gong)業(ye)互(hu)聯(lian)網(wang)(wang)(wang)融(rong)(rong)(rong)合(he)(he)發(fa)展(zhan)面臨的(de)問(wen)題、挑戰及原(yuan)因，并(bing)從加(jia)快數(shu)(shu)字(zi)金(jin)融(rong)(rong)(rong)與工(gong)業(ye)互(hu)聯(lian)網(wang)(wang)(wang)融(rong)(rong)(rong)合(he)(he)發(fa)展(zhan)總(zong)體推(tui)進思路、政策(ce)框架設計原(yuan)則出發(fa)，提(ti)出了加(jia)快數(shu)(shu)字(zi)金(jin)融(rong)(rong)(rong)與工(gong)業(ye)互(hu)聯(lian)網(wang)(wang)(wang)融(rong)(rong)(rong)合(he)(he)發(fa)展(zhan)的(de)五項(xiang)政策(ce)建議。
課(ke)題組認為，工業互(hu)聯(lian)網(wang)可全面(mian)(mian)連接人、機(ji)、物等生(sheng)產(chan)元素，在金融(rong)(rong)(rong)服務(wu)中充(chong)分融(rong)(rong)(rong)合工業互(hu)聯(lian)網(wang)基礎，將全面(mian)(mian)變革傳(chuan)統金融(rong)(rong)(rong)服務(wu)邏輯，實現金融(rong)(rong)(rong)服務(wu)全面(mian)(mian)融(rong)(rong)(rong)入產(chan)業生(sheng)態，為實體經濟提供(gong)更(geng)高(gao)質(zhi)量的(de)(de)金融(rong)(rong)(rong)服務(wu)。加快數字(zi)金融(rong)(rong)(rong)與(yu)工業互(hu)聯(lian)網(wang)融(rong)(rong)(rong)合發(fa)展(zhan)，有利于(yu)打造更(geng)高(gao)效(xiao)暢通的(de)(de)新(xin)型(xing)金融(rong)(rong)(rong)信(xin)息(xi)流(liu)轉(zhuan)模式、升級數字(zi)時代的(de)(de)金融(rong)(rong)(rong)機(ji)構(gou)信(xin)貸(dai)模式、創新(xin)發(fa)展(zhan)數字(zi)化的(de)(de)非(fei)信(xin)貸(dai)金融(rong)(rong)(rong)服務(wu)模式、催生(sheng)新(xin)型(xing)數據資產(chan)管(guan)理業務(wu)、建立健(jian)全直達(da)中小微企業的(de)(de)數字(zi)普惠金融(rong)(rong)(rong)服務(wu)。
課題組發(fa)現(xian)，隨(sui)著工(gong)業(ye)互聯(lian)網的行業(ye)應用(yong)加快加深，逐(zhu)漸帶(dai)動生產組織方(fang)式、消費服務模式的變化(hua)，向數字金(jin)融(rong)(rong)服務提(ti)出(chu)(chu)了多(duo)元化(hua)的全新(xin)需(xu)求，因此，需(xu)要各方(fang)積極開展創新(xin)變革，更好與之適(shi)配。目前，地(di)方(fang)政(zheng)府、金(jin)融(rong)(rong)機構、工(gong)業(ye)互聯(lian)網平臺(tai)企(qi)業(ye)、制造(zao)業(ye)企(qi)業(ye)等多(duo)方(fang)合(he)作開展創新(xin)探索，打造(zao)了一系列(lie)產融(rong)(rong)合(he)作新(xin)模式，呈(cheng)現(xian)出(chu)(chu)未來“產業(ye)+金(jin)融(rong)(rong)+工(gong)業(ye)互聯(lian)網”融(rong)(rong)合(he)共建生態的雛形。
課題組指出，我(wo)國工業互(hu)(hu)聯網(wang)(wang)整體仍處于(yu)發展初(chu)期，平臺(tai)企業價值還未(wei)充分(fen)體現，生態體系(xi)尚未(wei)建(jian)成。數字金(jin)融(rong)(rong)與工業互(hu)(hu)聯網(wang)(wang)的融(rong)(rong)合發展仍處于(yu)早期探(tan)索階(jie)段(duan)，面臨(lin)著(zhu)中小制造企業不(bu)確定(ding)性強、工業互(hu)(hu)聯網(wang)(wang)平臺(tai)成熟度不(bu)高、金(jin)融(rong)(rong)與工業場景融(rong)(rong)合不(bu)深(shen)、配套服務監管體系(xi)有待完善等諸多挑戰(zhan)。
課題組建議，加(jia)快數字金(jin)融(rong)(rong)與工業(ye)(ye)互聯網(wang)融(rong)(rong)合(he)發(fa)(fa)展(zhan)總體(ti)上(shang)應遵循市(shi)場主導(dao)(dao)(dao)和政府引(yin)導(dao)(dao)(dao)相結合(he)、金(jin)融(rong)(rong)和產業(ye)(ye)兩端共(gong)同發(fa)(fa)力(li)、分階段分步驟(zou)循序(xu)漸進的推進思路。要堅持以市(shi)場為發(fa)(fa)展(zhan)導(dao)(dao)(dao)向、以普(pu)惠金(jin)融(rong)(rong)為發(fa)(fa)展(zhan)重點、以安全可控為發(fa)(fa)展(zhan)底線、以規范行(xing)業(ye)(ye)標準為發(fa)(fa)展(zhan)基礎、以深化開放兼容為發(fa)(fa)展(zhan)途徑，逐步打造數字金(jin)融(rong)(rong)和工業(ye)(ye)互聯網(wang)融(rong)(rong)合(he)發(fa)(fa)展(zhan)生態系統。
課題組提(ti)出，加快數(shu)(shu)(shu)(shu)(shu)字(zi)金(jin)(jin)融(rong)(rong)(rong)與工(gong)(gong)業(ye)(ye)(ye)(ye)(ye)(ye)互(hu)(hu)聯(lian)(lian)(lian)網(wang)(wang)(wang)融(rong)(rong)(rong)合(he)發展，一是(shi)需要(yao)各(ge)部門(men)間密(mi)切(qie)合(he)作、協同發力(li)，進一步完善頂層(ceng)設計和配(pei)套制度；二是(shi)通過建立可靠(kao)互(hu)(hu)信(xin)的(de)(de)數(shu)(shu)(shu)(shu)(shu)據(ju)生態，加速提(ti)升數(shu)(shu)(shu)(shu)(shu)字(zi)供應鏈金(jin)(jin)融(rong)(rong)(rong)水平(ping)(ping)(ping)，并推進函證業(ye)(ye)(ye)(ye)(ye)(ye)務(wu)數(shu)(shu)(shu)(shu)(shu)字(zi)化(hua)(hua)(hua)與集中(zhong)度，打造(zao)數(shu)(shu)(shu)(shu)(shu)字(zi)信(xin)用體(ti)系(xi)；三是(shi)要(yao)調(diao)動(dong)(dong)各(ge)方積極性(xing)(xing)、統(tong)籌(chou)多方需求(qiu)，使工(gong)(gong)業(ye)(ye)(ye)(ye)(ye)(ye)互(hu)(hu)聯(lian)(lian)(lian)網(wang)(wang)(wang)平(ping)(ping)(ping)臺成(cheng)為一個產(chan)業(ye)(ye)(ye)(ye)(ye)(ye)數(shu)(shu)(shu)(shu)(shu)字(zi)化(hua)(hua)(hua)轉型的(de)(de)綜(zong)合(he)服務(wu)商，使數(shu)(shu)(shu)(shu)(shu)字(zi)金(jin)(jin)融(rong)(rong)(rong)成(cheng)為產(chan)業(ye)(ye)(ye)(ye)(ye)(ye)數(shu)(shu)(shu)(shu)(shu)字(zi)化(hua)(hua)(hua)的(de)(de)重要(yao)組成(cheng)部分，強(qiang)化(hua)(hua)(hua)多方協同共治，共同構(gou)建產(chan)業(ye)(ye)(ye)(ye)(ye)(ye)數(shu)(shu)(shu)(shu)(shu)字(zi)化(hua)(hua)(hua)良(liang)好生態；四是(shi)要(yao)充分發揮金(jin)(jin)融(rong)(rong)(rong)機(ji)構(gou)的(de)(de)主(zhu)觀能動(dong)(dong)性(xing)(xing)，讓金(jin)(jin)融(rong)(rong)(rong)機(ji)構(gou)應該主(zhu)動(dong)(dong)承(cheng)擔(dan)起數(shu)(shu)(shu)(shu)(shu)據(ju)的(de)(de)搜集、處理、共享、治理等責任、讓金(jin)(jin)融(rong)(rong)(rong)機(ji)構(gou)應主(zhu)動(dong)(dong)創(chuang)新、讓金(jin)(jin)融(rong)(rong)(rong)機(ji)構(gou)應量力(li)而行、盡力(li)而為、試點先(xian)行；五是(shi)探索新型中(zhong)介業(ye)(ye)(ye)(ye)(ye)(ye)務(wu)模式，依(yi)托(tuo)數(shu)(shu)(shu)(shu)(shu)字(zi)信(xin)用體(ti)系(xi)和工(gong)(gong)業(ye)(ye)(ye)(ye)(ye)(ye)互(hu)(hu)聯(lian)(lian)(lian)網(wang)(wang)(wang)基礎設施打造(zao)產(chan)業(ye)(ye)(ye)(ye)(ye)(ye)數(shu)(shu)(shu)(shu)(shu)字(zi)金(jin)(jin)融(rong)(rong)(rong)綜(zong)合(he)解決方案，為傳統(tong)金(jin)(jin)融(rong)(rong)(rong)機(ji)構(gou)、工(gong)(gong)業(ye)(ye)(ye)(ye)(ye)(ye)企(qi)業(ye)(ye)(ye)(ye)(ye)(ye)和工(gong)(gong)業(ye)(ye)(ye)(ye)(ye)(ye)互(hu)(hu)聯(lian)(lian)(lian)網(wang)(wang)(wang)平(ping)(ping)(ping)臺企(qi)業(ye)(ye)(ye)(ye)(ye)(ye)提(ti)供開放共享、協同共治的(de)(de)數(shu)(shu)(shu)(shu)(shu)據(ju)聚合(he)、服務(wu)整合(he)、交(jiao)易撮合(he)平(ping)(ping)(ping)臺。
