数字金融

本书全面涵盖了数字金融的核心内容，旨在为读者提供一套系统的知识体系和实践指导。全书分为九章，具体内容主要包括数字金融概述、数字金融的交易对象及方式、数字金融基础设施、金融机构数字化转型、数字金融业态、数字普惠金融、数字金融风险防控、数字金融监管、数字金融的数据处理。为增强学习效果，全书配备了思维导图、课堂互动环节以及思政小课堂等教学元素，旨在帮助学生构建清晰的知识框架，培养学生的批判性思维和社会责任感；小结和思考题的设置鼓励学生主动探索、深化理解，将理论知识与实践操作紧密结合。 本书既适用于数字经济、金融科技等专业的教材，以支持金融学等相关课程；也可以是行业人士自学的优选，可助其掌握最新理论与实践动态，提升专业素养与竞争力。无论是学习还是实践，本书都是必备读物。

邓莹，女，中共党员，1991年06月出生，毕业于广西大学新闻与传播专业，硕士研究生。现就职于武汉工程科技学院经济与管理学院，职称讲师，主要从事宏观经济学、证券投资学、金融学等课程的教学、专业建设和研究，就职期间发表专业论文4篇；主持校级课题1项，主持教育部供需对接就业育人项目1项，参与省级及校级以上课题多项。 李英，女，1978年3月出生，毕业于西北大学行政管理专业，硕士研究生。现就职于西安外事学院，职称副教授，主要从事经济学、金融经济学、财经应用文写作等课程的教学、专业建设和研究，就职期间发表专业论文15篇；主持院级课题2项，参与省级及院级以上课题10项；参与编写教材3部；获得陕西第三届青年教师讲课比赛三等奖、第二届陕西微课教学比赛三等奖。 余成含，女，毕业于重庆工商大学，现就职于派斯学院经济师，就职期间获得中国寿险管理师-高级、中国员工福利规划师-高级、中国个人寿险规划师-高级、中国银行寿险规划师-高级以及中国寿险管理师-中级、中国员工福利规划师-中级、中国个人寿险规划师-中级、中国银行寿险规划师-中级资格；获得美国寿险管理学会（L0MA）寿险管理师、客户服务师资格；长期从事金融保险运营管理、经济金融分析、客户经营管理、教育宣传培训、数据分析管理、智能系统建设等工作，承担企业运营管理主要职责。

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第 1 章 数字金融概述 001 1.1 数字金融的概念···················································002 1.2 数字金融的发展概况·············································006 1.3 数字金融与传统金融的异同····································013 第 2 章 数字金融的交易对象及方式 017 2.1 数据要素····························································018 2.2 数字资产····························································021 2.3 数字货币····························································024 2.4 数字支付····························································034 第 3 章 数字金融基础设施 042 3.1 数字金融基础设施的相关概念·································043 3.2 数字身份····························································048 3.3 数字账户····························································060 第 4 章 金融机构数字化转型 067 4.1 金融机构数字化转型概述·······································069 4.2 中国金融机构数字化转型的实践······························078 第 5 章 数字金融业态 090 5.1 银行类数字金融新业态··········································091 5.2 数字保险新业态···················································099 5.3 数字证券新业态···················································102 第 6 章 数字普惠金融 110 6.1 数字普惠金融概述················································111 6.2 数字小额信贷······················································116 6.3 众 筹·································································125 6.4 区块链供应链金融················································131 第 7 章 数字金融风险防控 137 7.1 数字金融风险的概念·············································138 7.2 数字金融风险的主要类型·······································140 7.3 数字金融风险防控的基本方法·································149 第 8 章 数字金融监管 156 8.1 数字金融监管概述················································157 8.2 数字金融监管的重点内容与政策框架························161 8.3 监管科技与监管沙盒·············································169 第 9 章 金融数据处理 175 9.1 金融数据概述······················································176 9.2 金融数据的处理···················································179 参考文献 190