摘
要
目前，我国以银行业为主导的传统金融体系存在供给错配和“脱实向虚”的问题，且
难以逾越的技术和信息障碍使金融功能难以有效发挥。金融创新的根本目的是反映经济发
展中的客观要求，促进金融功能的发挥。那么，数字金融作为一种现代新型信息技术驱动
下的金融创新，是否有更好地实现金融功能？
不少大型互联网企业在近些年抢抓金融科技新风口，加快数字金融的产业布局，而京
东科技集团正是其中之一。京东科技经过八年的发展，业务规模位居行业前列，解决了不
少传统金融中的问题，并推动行业的转型升级，成为该领域的龙头企业，得到了社会的认
可。
本文以京东科技集团在数字金融的探索情况为实例研究对象，在分析了案例公司探索
数字金融的动因后，从金融功能的角度出发，探讨案例公司在数字金融实践方面所取得的
成效及探索数字金融过程中存在的问题，进而对论文的核心问题——“数字金融是否有利
于更好地实现金融功能”进行解答，得出以下四点结论：（1）数字金融借助现代信息技术
的手段在一定程度上更好地实现了金融的基本功能；（2）数字金融在实现金融功能的过程
中仍存在不足，所存在的问题会影响金融功能的长期实现；（3）数字金融没有改变金融的
核心属性，无法替代、更不可能颠覆传统的金融体系；（4）在现有的金融环境下，数字金
融与传统金融在不断融合中形成了相互合作、相互补充和相互竞争的关系。
最后，结合所研究的内容，本文对数字金融的健康发展提出以下对策建议：（1）以金
融功能的实现为导向审视行业发展；（2）推进产品创新，降低融资成本；（3）构建网络安
全支付交易体系；（4）健全信用评估和风险管理体系建设。
关键词：数字金融；案例分析；金融功能；京东科技
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Abstract
At present, China's traditional financial system which is dominated by the banking industry
has the problems of supply mismatch and being distracted from its intended purpose, and the
insurmountable technological and information barriers make it difficult for the financial function
to play effectively. The fundamental purpose of financial innovation is to reflect the objective
requirements of economic development and promote the play of financial functions. Then, does
digital finance which is a financial innovation driven by modern new information technology
better realize financial functions?
Jingdong Technology Group is one of many large Internet companies that have been seizing
the new wind of fintech in recent years to accelerate the industrial layout of digital finance. After
eight years of development, the group has ranked the forefront of the industry in terms of business
scale, solved many problems in traditional finance and promoted the transformation and upgrading
of the industry. It has become a leading enterprise in this field, which has been recognized by the
society.
This paper takes Jingdong Technology Group as the case study object. After analyzing the
motivation of the case company to explore digital finance, this paper discusses the achievements
made by the case company in digital finance practice and the problems existing in the process of
exploring digital finance from the perspective of financial functions. Finally, the core question
whether digital finance is conducive to the better realization of financial function is answered, and
the following four conclusions are drawn:(1) Digital finance realizes the basic functions of finance
better by means of modern information technology;(2) Digital finance still has shortcomings in
the process of realizing financial functions, and the existing problems will affect the long-term
realization of financial functions;(3) Digital finance has not changed the core property of finance,
and can’t replace or subvert the traditional financial system; (4) In the current financial
environment, digital finance and traditional finance have formed a relationship of mutual
cooperation, mutual complement and mutual competition in the continuous integration.
In the end, combined with the contents of the study, this paper puts forward the following
countermeasures and suggestions for the healthy development of digital finance: (1) Review the
development of the industry with the realization of financial functions;(2) Promote product
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innovation and reduce financing costs;(3) Build a secure network payment transaction system;(4)
Improve the construction of credit evaluation and risk management system.
Key words：Digital finance; Case study; Financial function; Jingdong Technology
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