贲圣林、陈雪如：数字经济描绘的振奋前景（中英双语）

数字经济已经成为全球经济发展的新引擎，中国数字经济发展潜力巨大，数字经济未来将成为中国领先全球、率先打开第四次工业革命之门的“钥匙”。IMI执行所长贲圣林、浙江大学管理学院博士研究生陈雪如在2018年1月19日的《中国日报非洲版》发表英文文章，阐述了数字经济目前的发展现状与未来机遇，并呼吁金融科技企业和数字经济企业抓住机遇，迎接挑战并完成突破。

中文译文如下：

中国的经验足以说明，在欠发达国家中，科技是如何改变生活以及改变社会的。

数字经济通常被定义为由信息技术创新驱动的经济增长。在基础通信服务、软件服务和互联网技术等领域中，技术创新带来的信息产业和数字产业发展都是数字经济的体现。

在很大程度上，信息产业和数字产业的发展也为农业，工业和服务业等部门提供了新的经济增长方式。

庞大的数字经济是全球经济增长的关键。截至2017年11月底，在全球十大市值最高的上市公司中，有七家属于数字经济。腾讯和阿里巴巴是中国数字经济迅速增长的两个代表，在前十中都占有一席之地。

从全球角度来看，作为数字经济规模排名第二的国家，中国在这个领域中发展迅速。在过去的二十年中，中国的数字经济年增长率为25.1%，大约是美国，日本和英国增长率的三倍。

经过20多年的发展，中国在许多领域已经成为数字经济的全球领导者，具有丰富的创新经验。 2015年，中国网络零售商的贸易额还不到全球的1％。但现在中国在线零售商的贸易额占到全球总额的42.4％左右。在移动支付领域，2016年中国的交易额超过了7900亿美元（6470亿欧元；5710亿英镑），约为美国的11倍。而在金融科技领域，中国投资总额超过71亿美元，相比较而言，美国则只有54亿美元。

数字经济的发展逐渐地改变了我们的生活方式。 2017年双十一期间，网络销售收入总额突破2500亿元，其中约91％的份额是通过手机支付创造的。这些巨大数额的背后是移动支付技术的发展和创新。中国科技企业利用强大的科技创新和数据处理技术推动了数字经济的发展。包括阿里巴巴，腾讯，华为，小米在内的一大批中国科技公司也走出国门。

毫无疑问，在数字经济和相关领域，由于中国极大的市场潜力，科学技术的进步，雄厚的国内外资本，以及过去几年里营造的良好的创新生态系统等因素，中国有着巨大的机遇和令人振奋的前景。

未来，数据将成为最重要的资源，中国庞大的人口和市场将在大数据的积累方面占据优势。此外，数字经济的新应用会越来越多地涌入我们的日常生活，数字零售，数字社交和数字金融将更加深刻地影响着人们的生活方式和社会进步，中国无疑将在这个领域发挥主导作用。

在帮助参与“一带一路”倡议的国家和地区实现数字化转型时，数字化技能的培训对他们来说和基础设施建设同样重要。只有当这些国家和地区的人们提高数字技能，智能手机和其他数字设备才能在这里起作用。虽然印度的基础设施相对落后，但支付软件Paytm却在印度迅速获得了超过2亿的用户。肯尼亚的基础设施同样非常落后，但在移动支付领域也拥有先进的技术。经验表明，数字金融很可能在欠发达地区发展起来，一旦机遇出现，将大规模地发展。

数字经济带领我们进入了一个新时代。中国在数字经济领域的经验表明，数字经济可以改变我们的生活，并为欠发达国家提供了在这个领域超越其他国家的机会。未来，中国无疑将会在这个领域进行更多的创新。金融科技企业和数字经济企业应该抓住机遇，迎接挑战并完成突破。

（翻译：陈海润）

英文原文如下：

From China's experiences, less-developed countries can see how technology changes lives and transforms societies

The digital economy is usually defined as economic growth that has been driven by innovation of information technologies. So the digital economy could be shown in the information industry and digital industry development that are brought by technology innovation in basic telecommunication service, software services and internet technologies.

To a larger extent, the development of the information industry and digital industry also bring new growth modes for other sectors, including agriculture, industry and services.

The digital economy is large and the key to global economic growth. By the end of November, seven of the world's top 10 listed companies that had the highest market value belonged to the digital economy. Tencent and Alibaba, two representatives of China's rapid growth in the digital economy, were among the top 10.

From a global perspective, China, as the second-largest country in terms of the size of its digital economy, has been growing rapidly in this sector. In the past 20 years, China's digital economy has grown by 25.1 percent annually - about three times the growth rates of the United States, Japan and the United Kingdom.

After 20 years' development, China has become the global leader in many sectors of the digital economy and has rich innovation experience. In 2015, Chinese online retailers' trade value was less than 1 percent of that of the whole world. But now China's online retailers' trade value accounts for about 42.4 percent of the global total. In the mobile payment sector, China in 2016 surpassed $790 billion (647 billion euros; ￡571 billion), which is about 11 times that of the US. In the financial technology sector, Chinese investors' total investment volume exceeds $7.1 billion, compared with the US' $5.4 billion.

The development of the digital economy has also gradually changed our lifestyles. During the Singles Day in 2017, online sales revenue topped 250 billion yuan, and about 91 percent was paid through mobile phones. Behind these huge figures are the development and innovation in payment technology. Chinese technology companies have used strong technology innovation and data processing abilities to push forward the development of the digital economy. A big group of Chinese technology companies, including Alibaba, Tencent, Huawei and Xiaomi, also went abroad.

Undoubtedly, in the digital economy and related areas, China has great opportunities and exciting prospects, due to such factors as the big Chinese market, technological progress, rich capital from China and overseas, and the great ecosystem for innovation in the past few years.

In the future, data will become the most important resource, and China's large population and market will also present advantages in data resources. Moreover, an increasing number of new scenarios of digital economy will come into our daily lives, with digital retailing, digital social networking and digital finance more profoundly affecting lifestyles and social progress, and China will definitely play a leading role in this sector.

While helping countries and regions involved in the Belt and Road Initiative to realize digital transition, the training of digital skills and construction of infrastructure are of equal importance. Only when digital skills of people in these countries and regions have increased will smartphones and other digital devices be able to function there. Although the infrastructure of India is relatively poor, the payment software Paytm nonetheless has rapidly gained more than 200 million users. Kenya's infrastructure is also bad, but it also has advanced technology in the mobile payment sector. Experience shows that digital finance is very likely to be developed in the less-developed regions and will develop on a large scale once the opportunities arise.

The digital economy has led us into a new age, and China's experiences in the digital economy sector show that digital economy can change our lives and offer opportunities for less-developed countries to overtake other countries in this sector. In the future, China will definitely innovate more in this sector, and fintech enterprises and digital economy companies should seize the opportunities and take the challenges to make breakthroughs.

编辑  张黎丝 孙晓琪 张昊轩

监制  商倩 李欣怡

来源  英文：《中国日报非洲版》 

         中文：浙大AIF

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