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2020年中国金融信息服务业规模预计将达1000亿人民币

2017-05-31 08:18:14   国际在线

国际在线报道(记者 李雯婷):中国的金融信息服务现已进入快速增长期,年均增速超过50%,预计2020年产业规模将达1000亿元人民币(约合145亿美元)。中国的研究界和互联网企业都认为,互联网的创新驱动将为金融信息服务发展注入更多活力,而完善市场准入制度、加强法律法规建设、完善监管体制机制和信息安全保障机制等措施也应同步跟进。

何为金融信息服务?目前在中国,其范围主要包括生产或收集、加工处理、储存利用与金融相关的信息内容和资源,将其提供给用户或社会,或直接提供信息工具服务,以促进金融活动、直接或间接影响金融市场的服务。

近日发布的《金融信息服务蓝皮书》对未来中国金融信息服务业的规模作出了预测。中国社会科学院数量经济与技术经济研究所所长李平是蓝皮书的主编。他认为:“产业发展进入了一个快速增长期,国际著名的咨询机构Burton-Taylor估算2003年到2010(中国)以金融信息终端为主的金融媒体和金融市场数据服务它的复合增长率达到30%,近三年看到这个成长已经超过了50%,我们课题组估计,2016年金融信息服务市场整体产业收入超过500亿元(人民币)。我们课题组估计未来金融信息服务业到2020年预计能够达到1000亿元(人民币)这样一个规模。”

尽管中国金融信息服务市场发展增速远超国民经济和一般行业增速,但与发达国家和亚洲发达地区相比仍然存在较大差距。当前全球金融信息服务业的市场规模近2000亿美元,中国金融信息服务市场规模占全球市场规模的比重不足5%,中国的领先企业与世界领先企业之间的差距也非常大。

隶属于阿里巴巴旗下的“蚂蚁金服”,主要为小微企业和个人消费者提供普惠金融服务。蚂蚁金服的副总裁徐浩认为,新技术的应用,将实现“弯道超车”,缩小中国与发达国家的差距。他说:“我们还是要鼓励生物识别、人工智能、区块链等等新技术的应用,只有在这种新技术应用的环境之下,才有可能改变原来在国际货币、金融服务、贸易规则等等方面的落后,在这种新的规则体系之下去实现弯道超车。”

根据《金融信息服务蓝皮书》,中国金融信息服务业的特点被概括为如下几方面:社会资本占主导,市场主体创新创业活力得到有效发挥;商业模式呈多样化发展,产业生态体系初步形成。同时传统金融业务开始向互联网延伸,互联网正在主导金融信息资讯服务,自媒体金融信息服务正在异军突起。

而谈到目前中国金融信息服务业存在的问题,《金融信息服务蓝皮书》主编李平坦言:“包括企业规模偏小,信息和技术的积累都显得不足,可持续发展动力有待于增强,行业发展不平衡,金融信息良莠不齐,整个企业全球资源整合和运营能力弱,走出去和国际化任重道远。这确实是我们巨大的差距。”

这位专家同时提到的还有管理体制和监管的问题。

对此,《金融信息服务蓝皮书》提出要加强产业准入管理,建立健全市场秩序管理规范。同时,充分利用互联网信息技术,建设金融信息服务监管平台,加强对金融信息违法发布的动态监控和自动取证;建设金融信息服务许可管理平台,推动在线许可申请、分级分类管理和违法信用公开公示,提升监管水平。

在蚂蚁金服的副总裁徐浩看来,行业自律也必须加强。他说:“从市场机构来说我们要加强自律,因为科技会带来正面的影响,同时也有负面危害的可能性,所以行业要有足够的自律的意愿。只有这样监管部门才能信任,市场和监管之间应该逐步建立成这种信任的正向关系。”

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