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立足“金融大国”向“金融强国”跃升的历史进程，本文以“全面发展目标2050(CDGs2050)”为分析框架，从“集体—制度”“集体—技术”“个体—技术”“个体—制度”四个维度，系统阐释面向2050中国金融强国建设的内涵要义、理论逻辑、核心特质、现实困境与全球协同路径。研究认为，金融强国并非金融规模、市场容量或机构数量的简单扩张，而是制度供给、技术赋能、资源配置、风险治理与国际影响力的综合跃升。面向2050年，中国金融强国建设应形成全球货币与金融治理的“锚定力和规则力”、全球金融中心与资本市场的“定价力和配置力”、金融基础设施与科技支撑的“平台力和标准力”、产融协同与绿色转型的“动员力和转型力”、风险治理与金融文化的“韧性力和共识力”。同时，中国仍面临全球治理“权力—规则”错配、人民币国际化“信用—开放”张力、金融科技“创新—治理”两难、金融中心“集群—分工”协同不足以及金融安全“外部冲击—内部传导”叠加等结构性约束。基于此，本文提出引领全球金融治理改革、深化人民币国际化、加速金融科技融合、打造世界级金融中心集群、构建人类命运共同体金融支持体系的实践路径，以期推动中国特色现代金融体系在高质量发展、高水平安全与高效能治理中实现协同跃升。
Abstract：Grounded in the historical transition from a major financial country to a financial powerhouse,this paper employs the Comprehensive Development Goals 2050(CDGs2050) as its analytical framework and systematically examines the essential connotations,theoretical logic,core characteristics,structural constraints,and globally coordinated pathways of China's financial-powerhouse construction towards 2050 through four dimensions:collective-institution,collective-technology,individual-technology,and individual-institution.The study argues that financial powerhouse should not be understood as a simple expansion in financial scale,market size,or the number of financial institutions;rather,it represents a comprehensive institutional supply,technological empowerment,resource allocation,risk governance,and international influence.Looking ahead to 2050,China's financial-powerhouse development should be characterized by the anchoring and rule-shaping capacity in global currency and financial governance,the pricing and allocation capacity of global financial centers and capital markets,the platform and standard-setting capacity of financial infrastructure and technological support,the mobilization and transformation capacity of industry-finance coordination and green transition,and the resilience and consensus-building capacity of risk governance and financial culture.At the same time,China continues to face a series of structural constraints,including the power-rule mismatch in global financial governance,the credit-openness tension in RMB internationalization,the innovation-governance dilemma in financial technology,insufficient cluster-division-of-labor coordination among financial centers,and the compounded pressures arising from the interaction between external shocks and internal transmission in financial security.On this basis,the paper proposes a practical agenda for leading the reform of global financial governance,deepening RMB internationalization,accelerating the integration of financial technology,building world-class financial center clusters,and constructing a financial support system for a global community with shared future,with a view to advancing the coordinated upgrading of China's modern financial system in terms of high-quality development,high-level security,and high-efficiency governance.
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(1)习近平．在省部级主要领导干部推动金融高质量发展专题研讨班开班式上的讲话[N]．人民日报，2024-01-17(2)。
基本信息:
中图分类号:F832
引用信息:
[1]王文,敦志刚,丁壮,等.迈向2050中国金融强国建设的深层逻辑与实现路径——基于“CDGs2050”的多维分析框架[J].金融经济学研究().
基金信息:
中国人民大学“人类2050：人与社会全面发展工程项目”（297225330900）
2026-09-22
2026-09-22
2026-09-22