2018~2019年,我国宏观经济保持平稳运行,金融市场稳步发展,为金融信息服务发展奠定了物质基础,但日趋复杂的内外部经济环境和金融业转型调整的新趋势,也对金融信息服务高质量发展提出了更高要求,金融信息服务发展呈现一些新的特点:一是我国金融信息服务的行业监管机制不断完善,一系列强化监管、防范风险的政策方案出台,进一步标志着金融信息服务行业开始进入规范发展的新时代;二是得益于宏观经济和金融市场总体平稳运行,金融信息服务行业整体继续保持较快增长,但受互联网金融专项整治工作开展、证券市场行情整体相对低迷等因素影响,增速大幅放缓;三是中国金融信息服务市场与国际市场相比仍存在明显差距,在产业生态和企业发展层面存在显著差异;四是金融信息服务创业潮明显降温,但风险投资依然较为活跃,社会资本依然看好中国金融信息服务的未来发展;五是信用服务向规范化、数字化方向稳步发展,对金融信息服务的健康发展起到促进作用。
展望2020年,由于中长期金融供需矛盾尚未得到缓解,金融系统性风险也未得到根本解决,数字金融创新衍生的数据信息和信用风险依然需要高度重视,金融信息服务促进防范和化解金融风险的任务仍然艰巨。近年的实践证明,金融科技将对未来金融信息服务的创新发展起到强有力的技术保障和重要驱动作用,金融科技创新和监管制度创新将成为影响金融信息服务行业发展的两个最重要因素。在未来数字经济蓬勃发展的趋势下,金融信息正以一种重要的数据形式为数字经济发展提供资源,推动金融信息在大数据领域深化发展,也将为金融业和金融信息服务行业的发展提供新动力。
<<From 2018 to 2019,China’s macro economy has been operating steadily,and the financial market has been developing steadily,laying a material foundation for the development of financial information service. However,the increasingly complex internal and external economic environment and the new trend of financial industry transformation also raised higher requirements for the high-quality development of financial information service,and the development of financial information service presents some new features. First,the regulatory mechanism of China’s financial information service industry has been continuously improved. The introduction of a series of policies to strengthen supervision and prevent risks further marks that the development of financial information service industry has entered a new era of standardized development. Second,thanks to the stable operation of the macro-economy and financial market,the financial information service industry continued to maintain a rapid growth rate,but the growth rate slowed down significantly due to factors such as the special rectification of Internet Finance and the overall relatively slump in the securities market. Third,there is still a significant gap between China’s financial information service market and the international market,with significant differences in industrial ecology and enterprise development. Fourth,the tide of entrepreneurship in financial information service has clearly cooled down,but venture capital is still relatively active,and social capital is still optimistic about the future development of China’s financial information service. Fifth,credit service is also developing steadily in the direction of standardization and digitalization,which plays an important role in promoting the healthy development of financial information service.
Looking forward to 2020,as the conflict between supply and demand of medium and long-term finance has not been fundamentally alleviated,and financial systemic risks have not been fundamentally resolved,credit risks derived from digital financial innovation still need to be highly valued,and the task of financial information service to promote the prevention and resolution of financial risks is still arduous. Practices in recent years have proven that Fintech will play a strong technical guarantee and an important driving role in the future development of financial information service. Fintech innovation and regulatory system innovation will become the two most important factors affecting the development of the financial information service industry. Under the booming trend of digital economy in the future,financial information is providing resources for the development of digital economy in an important form of data,promoting the deepening development of financial information in the field of big data,and also providing new impetus for the development of financial industry and financial information service industry.
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