Digital finance and industrial upgrading - How fintech optimizes resource allocation efficiency
数字金融与产业转型——金融科技如何提升资源配置效率

摘要

随着数字经济的高速发展，金融科技（FinTech）正成为提升金融资源配置效率和推动产业升级的重要动力。基于大数据、人工智能、区块链和云计算等技术，金融科技重塑金融市场的信息流通机制，降低交易成本，提高资本流动性及资金匹配效率。目前，金融科技已深入信贷、支付、投融资、财富管理等多个领域，既优化了金融机构的服务模式，也助推了实体经济的数字化进程。然而，在提升资源配置效率的同时，金融科技也面临数据安全、合规监管、专业人才短缺等挑战。本文将探讨金融科技优化金融资源配置的核心机制，分析其对产业转型升级的具体影响，并提出针对性的发展建议。

Abstract

With the rapid development of the digital economy, Financial Technology (FinTech) has become a key driver in enhancing financial resource allocation efficiency and promoting industrial upgrading. Leveraging big data, artificial intelligence, blockchain, and cloud computing, FinTech reshapes financial market information flows, reduces transaction costs, and improves capital liquidity and fund matching efficiency. Currently, FinTech has deeply integrated into various fields, including lending, payments, investment, and wealth management, optimizing financial institutions' service models while accelerating the digital transformation of the real economy. However, while improving resource allocation efficiency, FinTech also faces challenges such as data security, regulatory compliance, and a shortage of skilled professionals. This paper explores the core mechanisms through which FinTech optimizes financial resource allocation, analyzes its impact on industrial transformation and upgrading, and proposes targeted development recommendations.