中国工程科学2025，Vol.27Issue(3)：247-258,12.DOI:10.15302/J-SSCAE-2025.03.021
数字经济时代我国金融科技创新及风险管理变革
Innovation and Risk Management of Financial Technologies in China in the Era of Digital Economy
摘要
Abstract
As the new-generation information technologies such as generative artificial intelligence develop rapidly in the era of digital economy,the innovation and risk management models of financial technologies(hereinafter referred to as fintech)are undergoing profound changes.This study sorts out the theoretical basis and innovation needs of fintech,explores emerging challenges such as algorithm bias and data privacy leakage,and analyzes the evolution of the intelligent service mode and ecosystem of fintech.On this basis,a fintech service system is constructed and a"1-2-6-N"fintech innovation path is proposed,clarifying the direction for fintech development and providing a solid theoretical support for subsequent empirical analyses and system simulation verification.The wide application of fintech in key areas such as risk control,credit assessment,and customer management has not only improved service efficiency,but also brought diversified and complex risks.Moreover,targeted measures are proposed to optimize fintech risk management,including establishing a data-driven dynamic risk-management model,improving the policy guarantee for fintech risk prevention and control,and strengthening the coordinated improvement in risk management capabilities of financial institutions and regulatory technologies.The research shows that the steady development of fintech is inseparable from the synergistic drive of technological innovation and institutional guarantee,and the effective prevention and control of financial risks depends on the in-depth application of regulatory technologies,which can help achieve precise risk control by improving the compliance efficiency of financial institutions.To promote the high-quality development of the financial industry,it is necessary to deepen technological innovation and further expand the global layout of fintech.关键词
数字经济/金融科技/新一代信息技术/创新体系/风险管理Key words
digital economy/fintech/new generation of information technology/innovation system/risk management分类
矿业与冶金引用本文复制引用
徐雪松,杨万莲,管敏,霍杨杰,黄子珍,王建新,娄颖..数字经济时代我国金融科技创新及风险管理变革[J].中国工程科学,2025,27(3):247-258,12.基金项目
国家重点研发计划项目(2022YFC3302302) （2022YFC3302302）
国家自然科学基金项目(72091515) National Key R&D Plan program of China(2022YFC3302302) （72091515）
National Natural Science Fund Project(72091515) （72091515）
