金融科技创新发展研究报告之数据要素与金融科技创新

䠇㷃〇ᢶࡑ᯦ਇኋ⹊ガᣛ઀ҁ ᮦᦤ㾷㍖ф䠇㷃〇ᢶࡑ᯦ ѣളӰ≇ཝᆜཝᮦᦤф䠇㷃〇ᢶࡑ᯦ᇔ僂ᇚ ѣളӰ≇ཝᆜ䠇㷃〇ᢶ⹊ガᡶ ѣؗ䇷࡮⹊ガ䜞 2020ᒪ11ᴾ 1 ⴤ ᖋ ᕋ 䀶 .................................................................................................................................. 1 ᅴжㄖ 䠇㷃〇ᢶφ〇ᢶ䎁㜳䠇㷃 ..................................................................................... 4 жȽ䠇㷃ਇኋⲺ〇ᢶ়ぁ .............................................................................................. 4 ӂȽ〱ࣞӈ㚊θࣟ᧞ѣള䠇㷃〇ᢶ↛ޛᘡ䙕໔䮵ᵕ ...................................................... 5 пȽѣള䠇㷃〇ᢶਇኋഴ䉧 .......................................................................................... 8 ᅴӂㄖ ᮦᦤ㾷㍖φ䠇㷃〇ᢶࡑ᯦ᇔ䐫ⲺṮᗹ⧥㢸 ......................................................... 11 жȽ⨼䇰φᮦᦤ㾷㍖Ⲻ⨼䇰޻⏫ ................................................................................. 11 ӂȽ޻⏫φ䠇㷃亼ตᮦᦤ㾷㍖Ⲻ䘆⭞䙱䗇 .................................................................. 14 пȽᇔ䐫φ䠇㷃ѐࣗѣⲺᮦᦤ㾷㍖㩳൦ ...................................................................... 16 ഑Ƚᮦᆍ䠇㷃ቅ㔉φᮦᆍ㔅⎄傧ࣞθᮦᦤ㾷㍖䎁㜳 .................................................... 18 ᅴпㄖ ᭥Ԏ〇ᢶφԄ䍺䠇⍷䖢ࡦᮦᦤ⊿⏶ .................................................................... 20 жȽ᭥Ԏॷᒪφ䠅ф䍞Ⲻ䐞䏀ᕅਇኋ .......................................................................... 20 ӂȽ᭥ԎⲺ୼ѐ′′′′ශφԄ䍺䠇⍷ࡦᮦᦤ⍷ .................................................................. 24 пȽᮦᦤ㿼䀈сⲺ᭥Ԏ〇ᢶਇኋ ................................................................................. 27 ഑Ƚ᭥Ԏ〇ᢶ㺂ѐቅ㔉φ㺂ѐᑮᘷ໔䮵θ䎑䚉ᐤᔸኋѐ ............................................ 29 ᅴ഑ㄖ ؗ䍭〇ᢶφԄؗ⭞ᮦᦤࡦᮦᦤؗ⭞ .................................................................... 31 жȽؗ䍭〇ᢶॷᒪφ㓵рौф㠠ࣞौᘡ䙕ਇኋ ........................................................... 31 ӂȽؗ䍭〇ᢶ৕⨼φ൰Ქौ+ᮦᦤौ+〇ᢶौ ............................................................... 37 пȽᮦᦤ㿼䀈сⲺؗ䍭〇ᢶਇኋ ................................................................................. 40 ഑Ƚؗ䍭〇ᢶਇኋᙱ㔉................................................................................................ 41 ᅴӊㄖ ⨼䍘〇ᢶφ䍺䠇ㄥ㩛䬶θ䍺ӝㄥ᭾⦽................................................................. 42 жȽ⨼䍘ॷᒪφѣള䍘ሂ㇗⨼ᐸ൰㬢ࣹਇኋ ............................................................... 42 ӂȽ⨼䍘〇ᢶⲺ୼ѐ′′′′ශφ䍺䠇ㄥ䠃㩛䬶θ䍺ӝㄥ䠃䞃㖤 ......................................... 46 пȽᮦᦤ㿼䀈сⲺ⨼䍘〇ᢶਇኋ ................................................................................. 48 ഑Ƚ⨼䍘〇ᢶቅ㔉φ␧㙋䮵ቴᇘ㗚θᨆॽᇘᡭ䍗⥤ .................................................... 50 ㄖޣᅴ ѱ㾷㔉䇰਀᭵ᆔᔰ䇤 .......................................................................................... 52 жȽѱ㾷㔉䇰 .............................................................................................................. 52 ӂȽ᭵ᆔᔰ䇤 .............................................................................................................. 52 ৸㘹ᮽ⥤ ............................................................................................................................. 55 1 ᕋ 䀶1 惐嚌䖃⋐⭔⋱漓⬰㔮惐嚌䣐ᅀ䖃⋐⭔⋱ȼ2011⵳ᷤ㙤漓䣺↧ᶑ体䖃⻪弞⋐⭔漓届ᶇᶅ惐嚌䣐ᅀᴙ↠(ᄉ)㑯䶦➝摾䖃⡐㘹ȼ⭔㘚㘩㙤漓㑯⩖䷎㱍㓵ᷢℯ㙤漓㑯㉭墀䰟惌墀子㋏≆漓㑯⩖惐嚌⬅廍㙤⋐⭔㒯⡐㘹ȼ ᴬ◼惐嚌䣐ᅀᴙ↠⋐⭔⁧䌂枅??ȼ㐮ᷗȻỠ尶Ȼ䌅尡䩈ḟ䷞惐嚌ᴙ↠漓ᴍᶑ体乐㓵ᷢ䖃㱶惎⪡ᆭȻ㱶惎☹㕮⎋㱶惎㑯㉭槗ⶥ嚌⌇漓⋟↟䪖㯔⎋㤠⚊䖃ṛ䐧漓式㴏㸓䷍ᴹ㐮ᷗ䣐ᅀȻỠ尶䣐ᅀ⎋䌅尡䣐ᅀ䩈㒯⁳惐嚌㤠⸎ȼ 䣐ᅀᴍ㑯㉭Ȼ惐嚌⎋⪝Ṓ漓㒯㓵ᷢ䖃惐嚌䣐ᅀ⁶⠆ᶅ⠙㜶子⎋⠌㙁子䖃䅸㾸ȼ⢁Ṕ☧ᅀ㘮墀䰟⎋㑯㉭墀䰟届俼䖃廆䤊ᴬ漓㋏≆惐嚌㘌↠⪝Ṓ䖃尧㑇ȻỂ廚惐嚌䣐ᅀ坋ᴙ䖃⋮(ᄀ)䷬䤲ὤ⋐⭔ȻỜㆣ惐嚌䣐ᅀ䐧ᆭ⎋㲇尸伄㙂䗉漓㔮䗐䪠忧擧Ȼ惐嚌䣐ᅀ㘹㚃⎋⩥㘮䜓䥵㘹㚃⬅(ᄀ)䷬⁰⌋㊡䰡䖃嫽林ȼ ᴬ◼ᶹ㬐⠦⩥ᴍᴬỠ嫀ג体⌇䜓䥵◡攞⫸ㄐ◼惐嚌䣐ᅀ䖃⋐⭔䊯䆵Ȼ坋ᴙ倈䷛⋉䷎匤鹵₴廚坋㳰⁤c/o㚏漓⹡ㄏɃ㑯㉭墀䰟ᴍ惐嚌䣐ᅀℚ㒯Ʉㆤ⍉ȼ㜷⻂䷒媹∄㇫漡 䨭ᴁ漕惒嚎䣒ᅌ㔰䣒ᅌ⫺惒嚎屌俾ⴧ㙦䖅㑉䊈㋑≈Ⱦ惐嚌䖃᳿ᴩ惌墀ṛ䐧漓㔮弙廆᷶Ἳ㑇ⶓ⪝䊯屃㶏恌乭㑇䊆ḗ∕ȼ惐嚌䖃⋐⭔漓⬰㔮惐嚌䣐ᅀ䖃⋐⭔ȼ惐嚌䣐ᅀ䖃⁲搭漓᳿㒸晡㔮㑯㉭墀䰟䖃⸔⁤漓⋥᳿㒸晡㔮䪖㯔ᅀ㘮䖃廏䐧漓⬅䣐ᅀ届俼惐嚌漓㋏≆惐嚌㐮(ᄀ)⪝Ṓ俼↚ȼ☧䣺↧ᶑ体㓵ᷢ漓惐嚌䣐ᅀᶦ⏀弙廆ᶑ体乐㑇ⶓ漓廄弞⹡ㄏ䐞一☇ȼᶑ体乐⋷⁶⠆☹㕮Ȼ㑯㉭⎋ᅀ㘮ḗ↾漓ㄏᴹ惐嚌䣐ᅀ䖃枅⛞䖃㜷⻂⋁ᴍ伄漓⬅ᶑ体乐䡿届幫∕ᴹ惐嚌ᴙ↠䧝ᶈ↚ȼ☧㩣廆䤊ᴬ漓ḟ䷞惐嚌㘹㚃↟⠦䣐ᅀⴂ⬿漓ℚ㒯惐嚌ᶦ⏀漓㋏≆⪡ᆭ㘌↠㬳⵲⎋䪠䌅䷎匤㑇䊆ȼ 䨭ᶍ漕㐰ᷙ䣒ᅌᴛ↢⋒⭖漕Ễ廜居惒㱂幭漕㮊㳁⁦⋤㑱㉯Ⱦ㐮ᷗ䣐ᅀ䖃⊞䌅漓☧ᶍ⬅䣺↧ᶑ体Ȼᶹⳤ㕹俼Ȼ∹♖揽䩈ᅀ㘮ᴍ㐮ᷗ↞俼嚌⌇漓᷍伋㋏≆㐮ᷗẾℨ子ȼ䣺↧㐮ᷗ䖃槗析䅸⺀⋉⁵ᴍ☹㕮⠨䀵䷒⌇䖃䅸⺀漓㘈↨⹡ㄏ⪡ᆭ坋ᴹ䐺῎漓ℚ㒯⠙⁂∕惐嚌ᶦ⏀ȼ廆⊺≀⵳擳漓◼₄䨫ᴈ㒸㐮ᷗṒ䯺☧䗐䪠⍴ㆣᴊ摾㑇⋐⭔漓㐮ᷗᶣ㔒惎⎋䐧ᆭ㑯惎♆⳱⠃ᶍ⁧䌂枅??㬳⵲ȼ䗭⅌漓☧㐮ᷗ坋ᴙ➝摾㩤⁤ⴷ一攵㪴⌍漓ᴌ⌋䷅c/o屚归䖃Ⳮ⸁∕Ȼᴒᴙ∕⋐⭔⬅ㄏᴹᴺ强庐ȼ⵲⋯⚊㘹㚃⋮ᷤ⋐ 1 ㆤ⍉ᄕ䨓ᶹ漡ᴬ◼ᶹ㬐⠦⩥䜓䥵◡攞漡⪊䣐漢ᴬỠ嫀ג揵坋䜓䥵◡攞漡侕㒏㒏Ȼ⹬≙Ȼ⍧⛹㔍ȼ 2 (五)⵲⋯ḗ↾漓ⷵ⭔俼↚庸䑋漢㐵≔䧮㘹㚃ᄑ㜸⚁䗳枅⛞漓≆䶦⑅ᴙ㤠⚊漢㴄䪖㘹㚃☧䧝ᶈ↟VII俋㕮ᴊ漓幫⚊㒯⁳㤠⸎ȼ 䨭ᴊ漕Ợ尸䣒ᅌ坍ᴛ⋒⭖漕⋎㔡ᶇ᷏Ợ䐩㑱㉯ℱ㑱㉯Ợ䐩䖅廈䤌ȼỠ尶䣐ᅀ䖃⊞䌅漓☧ᶍ☹㕮Ȼ㑯㉭Ȼ䣐ᅀᴍỠ尶ᴙ↠䖃嚌⌇漓᷍伋ᇈ⭔ᴙ↠⪡亣Ȼ㋏≆柍敨⪙᷶俼↚ȼ䗭⅌◼₄Ỡ尶䣐ᅀ坋ᴙ∄〉ᴈ䣌ᴙ↠㤠⸎漡ḟ䷞揵坋弙廆ᶑ体乐ⴂ⬿䶾ᴉ尶㨽ᴙ↠漓ᶑ体乐Ḁᴙ弙廆惐嚌䅋䁦ⷿ⭔䶾ᴉ嚌屃ᴙ↠漓ᷤ⋉ᶑ体乐㘹㚃ᴍ揵坋⌇ṛⷿ⭔䖃体⌇尶㨽⎋↨尶ᴙ↠ȼ⭔㘚㘩㙤漓Ỡ尶䣐ᅀ䖃ṛ䐧☧ᶍ漓἞↨㑯㉭⎋ᅀ㘮㋏≆Ỡ尶ᴙ↠䖃廏坋㑇䊆漓ᇈ⠦Ỡ尶⪡ᆭ䖃墅䗕晡漢䶥㙞☧ᶍ㑯㉭劶⋕⋉㑯㉭屃ᶦ᷶ἻȻ柍敨⪙᷶㤠⚊㘈㑇子Ȼ㘹㚃坋ᴹ壃刂Ȼ⠕忧子䶥㙞㘹א䩈ȼ 䨭◜漕䌇尣䣒ᅌ坍ᴛ⋒⭖漕㇔⭖撀⬿䐩ᄄ尣⫍ᶨ⏂漕㋑≈㘻㚅居ᶨ恎乯俾↜ȼ䌅尡∄㇫屃惐䧮⎋屃ᶦ䧮漓䌅尡䣐ᅀ䖃⊞䌅漓☧屃惐䧮Ṓ䊯ᴹ漡ᷤ䣺↧ᶑ体㋏≆⋮⺖子⎋墅䗕子ᴹ屶㾸漓⛹ᶍ≂ᶹ≂晡䖃㑯㉭䐺῎漓㇒⭔䌅尡⪡亣⎋䮽⃅䌅尡匤揿漢☧屃ᶦ䧮Ṓ䊯ᴹ漡ᷤ㑯㉭Ȼ䪖㯔⎋㤠⚊ᴹẜᅩ漓㋏≆惐嚌ᶦ⏀䷃⌇俼↚⎋㘹㚃屃ᶦ恌乭俼↚ȼ⭔㘚㘩㙤漓⛹ᶍ摾⬽⪡ᆭ䖃㴖弎䊆㋏≆䥹擳漓ᶑ体乐䌅尡㔮尡⫋䪠䌅ⴁ☹摾㑇➝摾㾸漢屃惐䧮㘹㚃⋐⭔惌㾸☧ᶍ⪡ᆭ壃㤠Ȼ䮽⃅匤揿⎋≔⪡尠䈭ⶥ漓屃ᶦ䧮㘹㚃⋐⭔惌㾸☧ᶍ㕹俼⎋䪖㯔廏䐧漓㋏≆屃ᶦ恌乭俼↚ȼ ⛹ᶍᴉ廯䷒媹漓ㄐᷫ媣ᴹ㑯⩖惐嚌䖃⋮(ᄀ)䷬䤲ὤ⋐⭔漓㜷⻂☧ᶍ⠃䌅⡼ℚ㒯Ȼ㑇䊆Ȼ柍敨Ȼ䤲⪙䖃⁲䯺ȼㄐᷫ㋏⃹ᷤᴊⷹ媭漡 䨭ᴁ漕↡⻬㑱㉯㮼䌇壅ℚ䖅杷⭃媿媢Ⱦ㑯㉭⳱䷎ᴉ≆ℯ䐞ᶦ墀䰟䖃槗ⶥ漓ṅ䗷㫓ᶍ☞☯Ȼ↲↧↚Ȼ屃㘫䩈⁵ᷕ墀䰟漓㑯㉭墀䰟⩗☧坌䐞子Ȼ⁰ᶪ子Ȼ⠕忧子⎋晝㊑ᷕ子䩈庂⠦ᴌ⌋漓◟㩣㑯㉭墀䰟杵⭁媽媠㝅㚵旿墀㗳⁧晡䖃Ȼ⅌䚺子䖃ㄗ䑤ⴂ⬿ȼ⢁Ṕ㔍䝭㑯㉭㮺䌅壃℘漓⢁Ṕ䝭⪙㑯㉭ᶦ㙂ᴍỜㆣ㘹א漓⢁Ṕ⪋(16)㱀幫ᴍᶣ㔒㘹א漓忼㔮⸹∕㑯㉭屃㶏恌乭䖃惌墀嫽林ȼ 䨭ᶍ漕↡⻬惒嚎䣒ᅌ枇⛠㑱㉯㮼䌇壅ℚ媿媢Ⱦ惐嚌㑯㉭㮺䌅壃℘ᴍ㑯㉭㮺䌅壃℘᳿倈䗷ᄶȼ⫸ᶍ惐嚌㑯㉭䖃惆旅Ȼᶣ㔒ᴍ廏䐧䖃庸䑋漓⫸ᶍ惐嚌枅⛞㑯㉭䗷⁲㘹㚃䖃(ᄀ)䅋䷎匤漓⫸ᶍ惐嚌㲇尸伄㙂䗉Ờㆣ漓⫸ᶍ惐嚌㑯㉭惆旅媷⋮Ȼ㑯㉭廏䐧㊇㙂Ȼ㑯㉭Ờ⩗墀㭁Ȼ㑯㉭䷻⌇䪠䌅Ȼ㑯㉭幫媨媷⋮䩈漓♆㔮㘩㙤旿墀㳰ⶥ㊡媧䖃₄⪸ȼ 3 䨭ᴊ漕⪍(18)惒嚎䣒ᅌ䗒䪢㝇㚷Ⱦ惐嚌䣐ᅀ䗐䪠Ṓ䯺䖃ⷹ䧊漓旿≎⌋ᷤ惐嚌䯺䷞䤲⪙子ᴹ⃹⋐㾸䖃⪎壁⪠き㝅㚵漓ᷤ⋉ᷤᴙ↠⌇壃子⎋㲇尸伄㙂䗉Ờㆣᴹ㜷⻂䖃⺭壁坋ᴹ䗐䪠ȼ㐮ᷗ䣐ᅀ䗐䪠㜷⻂㔮䝭Ờ屃惐㱀⎋Ỡ矢㱀㱀幫⪈⁧漓Ỡ尶䣐ᅀ䗐䪠惌㾸☧ᶍ↞俼子䗐䪠⎋⪠き子⸔⫻漓䌅尡䣐ᅀ䗐䪠惌㾸☧ᶍ㆔屃伄Ờㆣȼ 4 ᅴжㄖ 䠇㷃〇ᢶφ〇ᢶ䎁㜳䠇㷃 жȽ䠇㷃ਇኋⲺ〇ᢶ়