Design Analysis Of One-stop Integrated Financial Service Platform In J City

The digital economy is the main economic form following the traditional agricultural economy and the modern industrial economy.Its vigorous development will continue to promote major changes in social production methods,lifestyles and governance methods.By enhancing the cross-integration of 5G technology,big data,blockchain,integrated circuits,artificial intelligence and other digital technologies and inclusive financial services,the "digital economy + inclusive finance" model can achieve digital financial inclusion and sharing.On February 9,2021,the People’s Government of J City issued the "Three-Year Action Plan for the Pilot Zone of Inclusive Financial Reform in J City"(hereinafter referred to as the "Three-Year Action Plan"),which clearly stated that it will take about three years from2021 to 2023.,through scientific governance and standardized development to make J City realize the digitalization of inclusive finance,improve the coverage and satisfaction of financial services,and propose to build an inclusive financial infrastructure "J Huitong" platform in J City,making it China’s inclusive financial infrastructure.A new model for the financial reform pilot zone.This thesis summarizes and analyzes the current construction status of the relatively mature financial technology comprehensive service platforms in China,and classifies the current comprehensive financial service platforms into two models: "government-led" and "market-oriented",and analyzes the current situation of each platform.The development status,innovation characteristics and main effects of serving the real economy are analyzed.On this basis,the necessity of platform construction is studied through the investigation and visit of platform data providers and participants,and the current problems of information isolation and sharing,information asymmetry and moral hazard in the field of inclusive financial services in J City are analyzed.Prominent problems such as imperfect credit guarantee system and unreasonable charges of intermediary agencies,unsatisfactory social credit environment and ineffective positive incentives,imperfect credit system of small,medium and micro enterprises and lack of strong resource integration.By learning from the construction and operation mode of typical domestic comprehensive financial service platforms,combined with the development status of economic industry and inclusive financial services in J City and the problems found in the research,this thesis proposes the "government guidance,market-oriented operation" mode,"platform + government" mode + financial institutions + various service institutions" in the form of "J Huitong" one-stop comprehensive financial service platform in J City(hereinafter referred to as "J Huitong" platform)designed solutions,and based on the regional characteristics and industrial advantages of J City,built and designed a comprehensive financial service system with three sub-platforms of "X" function: comprehensive financial service platform,credit information service platform,and blockchain financial collaboration platform.At the same time,the three operating modes of platform management,operation and profitability are discussed.Finally,the feasibility of the "J Huitong" platform design scheme,the possible problems and countermeasures in the implementation of the scheme are rationally analyzed.