{"resolved":true,"match_type":"uuid","source_type":"original_book","book_id":"07d591c2-0f4c-45ac-a1d7-103c4807db8f","title":"数字经济：内涵与路径","author":null,"edition":null,"publisher":null,"year":null,"isbn":"9787521745023","requested_by":"printed_page","book":{"source_type":"original_book","book_id":"07d591c2-0f4c-45ac-a1d7-103c4807db8f","id":"07d591c2-0f4c-45ac-a1d7-103c4807db8f","uuid":"07d591c2-0f4c-45ac-a1d7-103c4807db8f","title":"数字经济：内涵与路径","normalized_title":"数字经济内涵与路径","author":null,"edition":null,"publisher":null,"year":null,"isbn":"9787521745023","isbns":["9787521745023"],"parsed":true,"ai_readable":true,"document_type":"book","page_count":361,"navigation_url":"https://workshop.closeclaw.top/ai/book/07d591c2-0f4c-45ac-a1d7-103c4807db8f","title_url":"https://workshop.closeclaw.top/ai/title/%E6%95%B0%E5%AD%97%E7%BB%8F%E6%B5%8E%EF%BC%9A%E5%86%85%E6%B6%B5%E4%B8%8E%E8%B7%AF%E5%BE%84","fixed_page_url_template":"https://workshop.closeclaw.top/ai/book/07d591c2-0f4c-45ac-a1d7-103c4807db8f/page/{printed_page}","path_api_url_template":"https://workshop.closeclaw.top/api/ai/book/07d591c2-0f4c-45ac-a1d7-103c4807db8f/page/{printed_page}","read_url":"https://workshop.closeclaw.top/api/ai/read/07d591c2-0f4c-45ac-a1d7-103c4807db8f","page_url":"https://workshop.closeclaw.top/api/ai/books/07d591c2-0f4c-45ac-a1d7-103c4807db8f/page","search_url":"https://workshop.closeclaw.top/api/ai/books/07d591c2-0f4c-45ac-a1d7-103c4807db8f/search"},"page":{"printed_page":251,"pdf_page":250,"physical_index":250,"physical_index_base":0,"printed_page_status":"recognized","page_sha256":"340516b5fda2b0e02df9500968f051eca26f89f9252fb2a341b1918b85234d55"},"chapter":"第七章","content":"第三，扮演的角色并不相同。消费互联网时代的金融科技是“做金融的金融科技”，自办金融，以收取息差为盈利模式，背离了科技公司初心，并没有解决实体企业融资难、融资贵问题，同时存在平台垄断、一家独大、监管不完善和准入门槛较低、真正科技含量较低等诸多问题。产业互联网时代的金融科技是“不做金融的金融科技”，以提供数字科技技术服务为盈利模式，真正拓宽实体企业融资渠道，降低实体企业融资成本，积极主动纳入监管机构监管，秉持生态的理念，综合使用数字科技各项技术。\n\n第四，对金融业的价值截然不同。消费互联网时代的金融科技遵循的是一家独大、赢者通吃的零和游戏规则，部分业内专家认为有可能形成国内大循环的“栓塞”。而产业互联网时代的金融科技定位为“疏通血管”，表现为“三性”：一是保护性，通过科技手段揭示风险，显著降低金融服务的潜在风险；二是引流性，通过科技手段让金融服务更好地下沉到产业链，引导金融血液流向更多过去流通不到的中小企业；三是疏通性，通过科技手段赋能提升金融血液的流通效率，让金融服务更高效。\n\n（三）产业数字金融的实施逻辑\n\n为有效贯彻产业数字金融理念的落地和价值的实现，清华大学产业互联网研究院与上海聚均科技有限公司（简称“聚均科技”）基于实践，总结出了一套可复制、可推广的标准化实施步骤，共分六步，分别是产业链深度调研、数字化方案定制、场景数据采集实施、数据整合、指标监控和预警服务输出，以及专属运营支持。\n\n251","previous_page":250,"next_page":252}