An Analysis of the Pathways for Financial Institutions to Serve the Real Economy in the Context of the Digital Economy

Abstract

The rapid development of the digital economy and the digital transformation of the financial industry constitute key pathways to enhance the quality and efficiency of the real economy. This article analyzes the existing problems in financial services for the real economy and studies compliant and feasible digital service paths. This paper draws on publicly released data from the China Academy of Information and Communications Technology, the People's Bank of China, and the State Administration of Financial Regulation, and analyzes the digital transformation practices of domestic commercial banks. Data shows that in 2024, China’s digital economy reached 59.2 trillion yuan, accounting for 43.8% of GDP, and the foundation for digital development is solid. The research proposes five core directions: product innovation, supply chain financial services optimization, inclusive service development, green financial services implementation, and intelligent risk management, indicating that digital services can address the financing challenges of real economy industries and channel credit capital into the real economy. The research results have reference value for financial institutions to optimize services and support the transformation of real economy industries, facilitate finance to fulfill its core mission and advance the integration of the two.