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为什么金融技术也是重要的生产力:金融技术命题的提出如果把金融市场的技术进步与整个金融史、整个经济发展的轨迹对照起来观察,可以发现,金融技术的进步对于人类福利的增进具有多么大的影响力。金融技术差距在造成全球发展不平衡的影响日趋显著:国际比较与趋势没有金融手段支持的国家里,人们不能把资金和各类资源调配到最能创造价值的领域来,也许更多人所能依靠的只有一双手,只能卖苦力,再就是只能依赖一些土地、自然资源。金融技术进步需要怎样的制度环境:现实的诊断从实际的运作角度看,与金融技术的进步直接相关的,是金融监管,可以说,没有一个好的金融监管,很难有好的金融技术的进步。中国金融技术滞后的负面影响远大于中国科学技术的落后:历史与现实的反思中国是典型的间接融资型的金融结构,这种金融结构意味着,因为缺乏证券市场的有力支持和金融技术的滞后,银行体系在事实上被动地承担着经济波动的大部分风险。中国金融技术的进步从何处着手?通过保证财经类媒体信息的流通和新闻监督,让舆论监督有效,让媒体不受约束地充分曝光,这样,每个人都会自然地对自己的行为注意很多,腐败、不诚信等不恰当的行为就会少很多。
Why financial technology is also an important productive force: If the proposition of financial technology proposition contrasts the technological progress of financial markets with the entire financial history and the trajectory of economic development as a whole, we can find out how much the advancement of financial technology has for the enhancement of human welfare Influence. In countries where financial technology gaps are causing the global imbalances to grow more pronounced: international comparisons and trends Without financial support, one can not allocate funds and resources of all kinds to the areas that create value most, and perhaps more people Relying on only one hand, can only sell coolies, then there is only rely on some land, natural resources. What kind of institutional environment is needed for the progress of financial technology: The realistic diagnosis From a practical perspective, financial regulation is directly related to the progress of financial technology. It can be said that without a good financial regulation, it is hard to have good financial technology progress. The negative impact of China’s financial technology lag far outweighs the backwardness of science and technology in China: a reflection of history and reality China is a typical indirect financing type of financial structure. This financial structure means that due to the lack of strong support from the securities market and lag in financial technology , The banking system is in fact passively responsible for most of the risks of economic fluctuations. Where does the progress of China’s financial technology start? By ensuring the circulation of financial media information and news monitoring, public opinion is effective and the media is fully exposed without any restriction. In this way, everyone will naturally pay much attention to his actions, Corruption, dishonesty and other inappropriate behavior will be much less.