The Logic, Challenges, and Pathways for the Breakthrough Development of Key Core Technologies Empowered by Digital Finance—From the Perspective of New Quality Productivity

在新质生产力与数字经济融合发展背景下，关键核心技术突破是提升国家竞争力的战略焦点，数字金融作为技术创新与资本对接的核心纽带，其赋能作用至关重要。本文基于新质生产力视角，分析数字金融助力关键核心技术突破的机制与路径。研究指出，当前面临产学研转化低效、传统融资体系与技术创新风险错配引发的融资约束等挑战，数字金融能够通过大数据、区块链等技术构建覆盖研发、转化、市场化的全周期金融支持体系，破解信息不对称，提升风险包容性。并提出推动数字金融与产学研深度融合、提升数字金融普惠性的政策建议，助力我国关键核心技术突破。In the context of the integration of new quality productivity and digital economy, breakthroughs in key core technologies are the strategic focus of enhancing national competitiveness. Digital finance, as the core link between technological innovation and capital docking, plays a crucial role in empowering. This article analyzes the mechanisms and paths through which digital finance can help breakthrough key core technologies from the perspective of new quality productivity. Research has pointed out that currently facing challenges such as low efficiency in industry university research transformation, financing constraints caused by the mismatch between traditional financing systems and technological innovation risks, digital finance can build a full cycle financial support system covering research and development, transformation, and marketization through technologies such as big data and blockchain, crack information asymmetry, and enhance risk inclusiveness. And put forward policy recommendations to promote the deep integration of digital finance and industry university research, and enhance the inclusiveness of digital finance, in order to help China achieve breakthroughs in key core technologies.