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S., D&#8217;Silva, D., Packer F., &amp; Tiwari, S. \uff082022\uff09, &#8220;Virtual Banking and Beyond&#8221;, BIS Papers, No. 120, January 2022.<\/p>\n<p>&nbsp;<\/p>\n<p><strong>\u8b1d\u570b\u751f\u6e2f\u5927\u7d93\u7ba1\u5b78\u9662\u91d1\u878d\u5b78\u9996\u5e2d\u8b1b\u5e2b\u3001\u65b0\u754c\u9109\u8b70\u5c40\u7576\u7136\u57f7\u884c\u59d4\u54e1<\/strong><\/p>\n<p><strong>\u7ae0\u7a4e\u829d 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\u5c55\u671b\u672a\u4f86\uff0c\u865b\u64ec\u9280\u884c\u5c07\u6703\u7e7c\u7e8c\u5229\u7528\u6578\u78bc\u6280\u8853\u512a\u52e2\uff0c\u958b\u767c\u591a\u5143\u5316\u7522\u54c1\u548c\u670d\u52d9\u4ee5\u5438\u5f15\u5ba2\u6236\uff0c\u4f8b\u5982\u8ca1\u5bcc\u7ba1\u7406\u670d\u52d9\u3001\u5404\u985e\u4fc3\u92b7\u8a08\u5283\uff08\u5982\u8cfc\u7269\u6298\u6263\uff09\uff0c\u4ee5\u53ca\u70ba\u5ba2\u6236\u63d0\u4f9b\u5177\u7af6\u722d\u529b\u7684\u5b58\u6b3e\u5229\u7387\uff0c\u8207\u50b3\u7d71\u9280\u884c\u7af6\u722d\u3002\u5176\u76ee\u6a19\u5ba2\u6236\u7fa4\u4ea6\u5c07\u4e0d\u53ea\u5c40\u9650\u65bc\u5e74\u8f15\u4e00\u4ee3\uff0c\u9032\u800c\u5305\u62ec\u7a4d\u84c4\u8f03\u591a\u4e26\u6108\u4f86\u6108\u6a02\u65bc\u63a5\u53d7\u865b\u64ec\u91d1\u878d\u670d\u52d9\u7684\u9577\u8005\u3002 \u53c3\u8003\u6587\u737b\uff1a Chen, S., D&#039;Silva, D., Packer F., &amp; Tiwari, S. \uff082022\uff09, &quot;Virtual Banking and Beyond&quot;, BIS Papers, No. 120, January 2022.\" \/>\n\t<meta name=\"robots\" content=\"max-image-preview:large\" \/>\n\t<meta name=\"google-site-verification\" content=\"google-site-verification=MjdkluDgHpNk2vz5slbwER2Gusw2rUDQuVULMERWzLo\" \/>\n\t<link rel=\"canonical\" href=\"https:\/\/www.hkubs.hku.hk\/tc\/research\/thought-leadership\/hkej-column\/%e8%99%9b%e5%af%a6%e4%b8%a6%e6%bf%9f-%e9%8a%80%e8%a1%8c%e5%a4%a7%e5%8b%a2\/\" \/>\n\t<meta name=\"generator\" content=\"All in One SEO (AIOSEO) 4.9.10\" \/>\n\t\t<meta property=\"og:locale\" content=\"en_US\" \/>\n\t\t<meta property=\"og:site_name\" content=\"HKU Business School -\" \/>\n\t\t<meta property=\"og:type\" content=\"article\" \/>\n\t\t<meta property=\"og:title\" content=\"\u865b\u5be6\u4e26\u6fdf \u9280\u884c\u5927\u52e2 - HKU Business School\" \/>\n\t\t<meta property=\"og:description\" content=\"\u9999\u6e2f\u91d1\u878d\u7ba1\u7406\u5c402017\u5e749\u6708\u5c31\u91dd\u5c0d\u91d1\u878d\u696d\u6578\u78bc\u5316\uff0c\u4ee5\u300c\u667a\u6167\u9280\u884c\u65b0\u7d00\u5143\u300d\u70ba\u984c\uff0c\u63a8\u51fa\u591a\u9805\u5021\u8b70\uff1b\u96a8\u5f8c\u65bc2021\u5e746\u6708\u516c\u5e03\u300c\u91d1\u878d\u79d1\u62802025\u300d\u7b56\u7565\uff0c\u8fce\u5411\u9280\u884c\u696d\u8981\u4ee5\u79d1\u6280\u70ba\u57fa\u790e\u7684\u672a\u4f86\uff0c\u65e8\u5728\u4fc3\u9032\u9280\u884c\u63a1\u7528\u79d1\u6280\u3001\u589e\u5f37\u6578\u64da\u57fa\u790e\u8a2d\u65bd\u3001\u652f\u6301\u4e0d\u65b7\u767c\u5c55\u7684\u6578\u78bc\u751f\u614b\u7cfb\u7d71\u3002\u7e7c2017\u5e74\u6e05\u6670\u8868\u9054\u628a\u865b\u64ec\u9280\u884c\u5f15\u9032\u672c\u6e2f\u4e4b\u5f8c\uff0c\u8a72\u5c40\u7fcc\u5e74\u5373\u767c\u51fa\u300a\u865b\u64ec\u9280\u884c\u7684\u8a8d\u53ef\u300b\u6307\u5f15\u4fee\u8a02\u672c\uff1b\u865b\u64ec\u9280\u884c\u9808\u9075\u5b88\u9069\u7528\u65bc\u50b3\u7d71\u9280\u884c\u7684\u540c\u4e00\u5957\u76e3\u7ba1\u898f\u5b9a\uff0c\u5728\u5408\u4e4e\u5176\u904b\u4f5c\u6027\u8cea\u53ca\u6240\u627f\u64d4\u7684\u9280\u884c\u696d\u98a8\u96aa\u60c5\u6cc1\u4e0b\uff0c\u7dad\u6301\u6700\u5c113\u5104\u5143\u7e73\u8db3\u6b3e\u80a1\u672c\u3002 \u9999\u6e2f\u7684\u865b\u64ec\u9280\u884c\u8a08\u5283\u5225\u5177\u7279\u8272\uff0c\u5305\u62ec\uff1a\u4e00\u3001\u898f\u5b9a\u9280\u884c\u4e0d\u8a2d\u5be6\u9ad4\u5206\u652f\u6a5f\u69cb\uff0c\u6240\u6709\u670d\u52d9\u4ee5\u4e92\u806f\u7db2\u6216\u5176\u4ed6\u5f62\u5f0f\u7684\u96fb\u5b50\u50b3\u9001\u9014\u5f91\u63d0\u4f9b\u3002\u4e8c\u3001\u4fc3\u9032\u91d1\u878d\u5305\u5bb9\u6027\uff08financial inclusion\uff09\u3002\u4e09\u3001\u5bb9\u7d0d\u5927\u578b\u79d1\u6280\u516c\u53f8\u548c\u91d1\u878d\u79d1\u6280\u516c\u53f8\u53c3\u8207\u6240\u6709\u6b0a\u7d50\u69cb\u3002\u56db\u3001\u7dad\u6301\u98a8\u96aa\u548c\u6280\u8853\u4e2d\u7acb\u7684\u76e3\u7ba1\u6846\u67b6\u3002 2020\u5e74\uff0c8\u5bb6\u865b\u64ec\u9280\u884c\u5728\u6e2f\u5168\u9762\u71df\u904b\u3010\u8868\u3011\uff0c\u4ee4\u7279\u5340\u6b63\u5f0f\u6b65\u5165\u91d1\u878d\u79d1\u6280\u7684\u65b0\u6642\u4ee3\u3002\u622a\u81f3\u540c\u5e7412\u6708\uff0c\u5176\u5b58\u6b3e\u7e3d\u984d\u7d04\u70ba158\u5104\u5143\uff0c\u4f54\u9280\u884c\u696d\u5b58\u6b3e\u7e3d\u984d\u76840.11%\u3002\u865b\u64ec\u9280\u884c\u5b58\u6b3e\u984d\u4e2d\uff0c\u4ee5\u773e\u5b89\u9280\u884c\u548cMox 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\u5e74\u8f15\u4e00\u4ee3\u71b1\u4e2d\u65bc\u63a2\u7d22\u65b0\u6280\u8853\u61c9\u7528\uff0c\u7121\u7591\u662f\u865b\u64ec\u9280\u884c\u7684\u6f5b\u5728\u5ba2\u6236\u7fa4\uff0c\u56e0\u800c\u7522\u751f\u4e0d\u5c11\u76f8\u95dc\u4fc3\u92b7\u6d3b\u52d5\uff0c\u4ee5\u4fbf\u53ca\u65e9\u978f\u56fa\u5176\u5e02\u5834\u5f71\u97ff\u529b\u3002\u4f8b\u5982\u67d0\u5927\u865b\u64ec\u9280\u884c\u7684\u63a8\u5ee3\u8a08\u5283\uff0c\u53ef\u8b93\u5ba2\u6236\u512a\u5148\u8a02\u8cfc\u4eba\u6c23\u7537\u5718MIRROR\u6f14\u5531\u6703\u9580\u7968\uff0c\u5c31\u66fe\u54c4\u52d5\u4e00\u6642\u3002\u7531\u65bc\u71df\u904b\u6210\u672c\u8f03\u4f4e\uff0c\u865b\u64ec\u9280\u884c\u6216\u6703\u900f\u904e\u63a8\u51fa\u4e94\u82b1\u516b\u9580\u7684\u512a\u60e0\u548c\u9ad8\u9054\u5e7e\u5398\u7684\u512a\u539a\u5b58\u6b3e\u5229\u7387\u5438\u5ba2\u3002 \u79d1\u6280\u70ba\u672c \u4ee5\u9577\u88dc\u77ed \u64da\u4e16\u754c\u9280\u884c\u7d71\u8a08\uff0c\u5728\u5176\u4f01\u696d\u8abf\u67e5\u6578\u64da\u5eab\u4e2d\u768416.4\u842c\u5bb6\u516c\u53f8\u4e2d\uff0c\u7d04\u670989%\u7684\u516c\u53f8\u5728\u91d1\u878d\u6a5f\u69cb\u64c1\u6709\u652f\u7968\u6216\u5132\u84c4\u8cec\u6236\uff0c\u4f46\u53ea\u6709\u4e0d\u5230\u4e09\u5206\u4e4b\u4e00\u7684\u516c\u53f8\u64c1\u6709\u9280\u884c\u8cb8\u6b3e\u6216\u4fe1\u8cb8\u984d\u5ea6\u3002\u7d93\u6fdf\u5b78\u6307\u51fa\uff0c\u4fe1\u8cb8\u5e02\u5834\u7d93\u5e38\u51fa\u73fe\u8cb8\u6b3e\u4eba\u548c\u501f\u6b3e\u4eba\u4e4b\u9593\u7684\u8cc7\u8a0a\u4e0d\u5c0d\u7a31\uff08information asymmetry\uff09\u554f\u984c\uff0c\u800c\u50b3\u7d71\u5be6\u9ad4\u9280\u884c\u5f80\u5f80\u8981\u6c42\u8cb8\u6b3e\u4eba\u4ee5\u6709\u5f62\u62b5\u62bc\u54c1\u4f5c\u70ba\u8cb8\u6b3e\u64d4\u4fdd\u3002\u4e8b\u5be6\u4e0a\uff0c\u4e16\u754c\u9280\u884c\u4f01\u696d\u8abf\u67e5\u5168\u7403\u6578\u64da\u5eab\u7684\u6700\u65b0\u8b49\u64da\u986f\u793a\uff0c\u8d85\u904e70%\u7684\u53d7\u8a2a\u516c\u53f8\u9700\u8981\u62b5\u62bc\u54c1\u624d\u80fd\u5f9e\u6b63\u898f\u91d1\u878d\u7cfb\u7d71\u8cb8\u6b3e\u3002 \u82e5\u50b3\u7d71\u5be6\u9ad4\u9280\u884c\u7121\u6cd5\u5340\u5206\u501f\u6b3e\u4eba\u7684\u98a8\u96aa\u6c34\u5e73\uff0c\u5247\u6703\u4ee5\u63d0\u9ad8\u5229\u7387\u589e\u52a0\u98a8\u96aa\u6ea2\u50f9\uff0c\u5f9e\u800c\u6e1b\u4f4e\u640d\u5931\u3002\u512a\u8cea\u501f\u6b3e\u4eba\u56e0\u501f\u8cb8\u6210\u672c\u904e\u9ad8\u800c\u537b\u6b65\uff0c\u4fbf\u6703\u7522\u751f\u52a3\u5e63\u9a45\u9010\u826f\u5e63\u7684\u9006\u5411\u9078\u64c7\uff08adverse selection\uff09\u60e1\u679c\uff0c\u5e02\u5834\u53ea\u9918\u4e0b\u9ad8\u98a8\u96aa\u501f\u6b3e\u4eba\uff0c\u5c0e\u81f4\u5229\u7387\u4e0a\u5347\u548c\u8cb8\u6b3e\u6e1b\u5c11\uff0c\u9280\u884c\u71df\u904b\u6210\u672c\u5927\u589e\u3002 \u8cc7\u8a0a\u4e0d\u5c0d\u7a31\u548c\u9ad8\u6602\u7684\u71df\u904b\u6210\u672c\uff0c\u4ea6\u7a92\u7919\u50b3\u7d71\u9280\u884c\u5411\u4f4e\u5229\u6f64\u3001\u9ad8\u98a8\u96aa\u5ba2\u6236\u63d0\u4f9b\u670d\u52d9\u3002\u865b\u64ec\u9280\u884c\u6b63\u597d\u638c\u63e1\u6b64\u4e00\u5951\u6a5f\uff1b\u5229\u7528\u5927\u6578\u64da\u3001\u7269\u806f\u7db2\u3001\u4eba\u5de5\u667a\u80fd\u7b49\u5275\u9020\u300c\u8cc7\u8a0a\u8cc7\u672c\u300d\uff0c\u964d\u4f4e\u4ea4\u6613\u6210\u672c\uff0c\u4e26\u6e1b\u8f15\u501f\u6b3e\u4eba\u548c\u8cb8\u6b3e\u4eba\u4e4b\u9593\u7684\u8cc7\u8a0a\u4e0d\u5c0d\u7a31\uff0c\u4ee5\u53ca\u5c0d\u6709\u5f62\u62b5\u62bc\u54c1\u7684\u4f9d\u8cf4\u3002\u9019\u4ea6\u6709\u52a9\u65bc\u6539\u5584\u98a8\u96aa\u8a55\u4f30\u548c\u76e3\u63a7\uff0c\u800c\u5c0f\u984d\u878d\u8cc7\u4ea6\u53ef\u4ee5\u66f4\u70ba\u9748\u6d3b\uff0c\u53ef\u6839\u64da\u5ba2\u6236\u7684\u4fe1\u8cb8\u72c0\u6cc1\u53ca\u9700\u6c42\u800c\u63d0\u4f9b\u8cbc\u8eab\u670d\u52d9\u3002 \u8a8d\u6e05\u96b1\u60a3 \u524d\u9014\u53ef\u671f \u81f3\u65bc\u865b\u64ec\u9280\u884c\u63a7\u80a1\u516c\u53f8\u7684\u591a\u6a23\u6027\uff0c\u53c3\u8207\u9280\u884c\u696d\u7684\u516c\u53f8\u7a2e\u985e\u6108\u591a\uff0c\u5c31\u6108\u9808\u5728\u4fc3\u9032\u5275\u65b0\u548c\u5305\u5bb9\u6027\u4e4b\u9593\u53d6\u5f97\u5e73\u8861\uff0c\u5728\u7dad\u8b77\u91d1\u878d\u7a69\u5b9a\u53ca\u5145\u5206\u7af6\u722d\u7684\u540c\u6642\uff0c\u53c8\u8981\u4fdd\u8b77\u5ba2\u6236\u7fa4\u6b0a\u76ca\u548c\u5e02\u5834\u8aa0\u4fe1\uff0c\u4ee5\u514d\u4e0d\u6cd5\u4e4b\u5f92\u6709\u53ef\u4e58\u4e4b\u6a5f\u3002\u5176\u6b21\uff0c\u865b\u64ec\u9280\u884c\u65e2\u63a1\u7528\u6578\u64da\u6280\u8853\uff0c\u6578\u64da\u5206\u6790\u662f\u4eba\u5de5\u667a\u80fd\u7684\u652f\u67f1\uff0c\u4f46\u793e\u6703\u504f\u898b\u537b\u6613\u65bc\u5d4c\u5165\u4eba\u5de5\u667a\u80fd\u4e2d\uff0c\u4ee5\u81f4\u7834\u58de\u91d1\u878d\u7cfb\u7d71\u7684\u5305\u5bb9\u6027\uff0c\u4f55\u6cc1\u4eba\u5de5\u667a\u80fd\u7b97\u6cd5\u4ea6\u96e3\u4ee5\u767e\u5206\u4e4b\u767e\u6eff\u8db3\u300c\u516c\u5e73\u300d\u539f\u5247\u3002 \u76ee\u524d\u8a2d\u65bc\u9999\u6e2f\u7684\u865b\u64ec\u9280\u884c\u8207\u5176\u4ed6\u73fe\u6709\u9280\u884c\u63a5\u53d7\u76f8\u540c\u7684\u76e3\u7ba1\uff0c\u9808\u7531\u672c\u5730\u8a3b\u518a\u9280\u884c\u71df\u904b\u3002\u5927\u80a1\u6771\u9808\u70ba\u4fe1\u8b7d\u826f\u597d\uff0c\u4e26\u70ba\u53d7\u9999\u6e2f\u6216\u5176\u4ed6\u5730\u65b9\u6709\u95dc\u7576\u5c40\u76e3\u7ba1\u7684\u9280\u884c\u6216\u91d1\u878d\u6a5f\u69cb\uff0c\u9019\u6709\u52a9\u65bc\u7dad\u6301\u5275\u65b0\u548c\u7af6\u722d\u5e02\u5834\u7684\u74b0\u5883\uff0c\u540c\u6642\u78ba\u4fdd\u6700\u7d42\u7528\u6236\u4e0d\u5fc5\u627f\u64d4\u4e0d\u7576\u98a8\u96aa\u3002\u7136\u800c\uff0c\u91d1\u878d\u7ba1\u7406\u5c40\u5728\u76e3\u7ba1\u4e2d\u63a1\u7528\u4ee5\u98a8\u96aa\u70ba\u672c\u548c\u6280\u8853\u4e2d\u7acb\u7684\u65b9\u6cd5\uff0c\u7740\u773c\u65bc\u4fc3\u9032\u91d1\u878d\u5305\u5bb9\u6027\u548c\u5275\u65b0\uff0c\u4ee5\u63d0\u4f9b\u66f4\u4f73\u7684\u5ba2\u6236\u9ad4\u9a57\u3002\u56e0\u6b64\uff0c\u5728\u5be6\u65bd\u76e3\u7ba1\u6846\u67b6\u6642\uff0c\u5982\u4f55\u8a8d\u6e05\u91d1\u878d\u6d3b\u52d5\u4e2d\u7684\u4ea4\u6613\u6027\u8cea\u53ca\u98a8\u96aa\u81f3\u95dc\u91cd\u8981\u3002 \u5c55\u671b\u672a\u4f86\uff0c\u865b\u64ec\u9280\u884c\u5c07\u6703\u7e7c\u7e8c\u5229\u7528\u6578\u78bc\u6280\u8853\u512a\u52e2\uff0c\u958b\u767c\u591a\u5143\u5316\u7522\u54c1\u548c\u670d\u52d9\u4ee5\u5438\u5f15\u5ba2\u6236\uff0c\u4f8b\u5982\u8ca1\u5bcc\u7ba1\u7406\u670d\u52d9\u3001\u5404\u985e\u4fc3\u92b7\u8a08\u5283\uff08\u5982\u8cfc\u7269\u6298\u6263\uff09\uff0c\u4ee5\u53ca\u70ba\u5ba2\u6236\u63d0\u4f9b\u5177\u7af6\u722d\u529b\u7684\u5b58\u6b3e\u5229\u7387\uff0c\u8207\u50b3\u7d71\u9280\u884c\u7af6\u722d\u3002\u5176\u76ee\u6a19\u5ba2\u6236\u7fa4\u4ea6\u5c07\u4e0d\u53ea\u5c40\u9650\u65bc\u5e74\u8f15\u4e00\u4ee3\uff0c\u9032\u800c\u5305\u62ec\u7a4d\u84c4\u8f03\u591a\u4e26\u6108\u4f86\u6108\u6a02\u65bc\u63a5\u53d7\u865b\u64ec\u91d1\u878d\u670d\u52d9\u7684\u9577\u8005\u3002 \u53c3\u8003\u6587\u737b\uff1a Chen, S., D&#039;Silva, D., Packer F., &amp; Tiwari, S. \uff082022\uff09, &quot;Virtual Banking and Beyond&quot;, BIS Papers, No. 120, January 2022.\" \/>\n\t\t<meta property=\"og:url\" content=\"https:\/\/www.hkubs.hku.hk\/tc\/research\/thought-leadership\/hkej-column\/%e8%99%9b%e5%af%a6%e4%b8%a6%e6%bf%9f-%e9%8a%80%e8%a1%8c%e5%a4%a7%e5%8b%a2\/\" \/>\n\t\t<meta property=\"article:published_time\" content=\"2022-05-26T01:00:57+00:00\" \/>\n\t\t<meta property=\"article:modified_time\" content=\"2022-05-25T04:13:50+00:00\" \/>\n\t\t<meta name=\"twitter:card\" content=\"summary\" \/>\n\t\t<meta name=\"twitter:title\" content=\"\u865b\u5be6\u4e26\u6fdf \u9280\u884c\u5927\u52e2 - HKU Business School\" \/>\n\t\t<meta name=\"twitter:description\" content=\"\u9999\u6e2f\u91d1\u878d\u7ba1\u7406\u5c402017\u5e749\u6708\u5c31\u91dd\u5c0d\u91d1\u878d\u696d\u6578\u78bc\u5316\uff0c\u4ee5\u300c\u667a\u6167\u9280\u884c\u65b0\u7d00\u5143\u300d\u70ba\u984c\uff0c\u63a8\u51fa\u591a\u9805\u5021\u8b70\uff1b\u96a8\u5f8c\u65bc2021\u5e746\u6708\u516c\u5e03\u300c\u91d1\u878d\u79d1\u62802025\u300d\u7b56\u7565\uff0c\u8fce\u5411\u9280\u884c\u696d\u8981\u4ee5\u79d1\u6280\u70ba\u57fa\u790e\u7684\u672a\u4f86\uff0c\u65e8\u5728\u4fc3\u9032\u9280\u884c\u63a1\u7528\u79d1\u6280\u3001\u589e\u5f37\u6578\u64da\u57fa\u790e\u8a2d\u65bd\u3001\u652f\u6301\u4e0d\u65b7\u767c\u5c55\u7684\u6578\u78bc\u751f\u614b\u7cfb\u7d71\u3002\u7e7c2017\u5e74\u6e05\u6670\u8868\u9054\u628a\u865b\u64ec\u9280\u884c\u5f15\u9032\u672c\u6e2f\u4e4b\u5f8c\uff0c\u8a72\u5c40\u7fcc\u5e74\u5373\u767c\u51fa\u300a\u865b\u64ec\u9280\u884c\u7684\u8a8d\u53ef\u300b\u6307\u5f15\u4fee\u8a02\u672c\uff1b\u865b\u64ec\u9280\u884c\u9808\u9075\u5b88\u9069\u7528\u65bc\u50b3\u7d71\u9280\u884c\u7684\u540c\u4e00\u5957\u76e3\u7ba1\u898f\u5b9a\uff0c\u5728\u5408\u4e4e\u5176\u904b\u4f5c\u6027\u8cea\u53ca\u6240\u627f\u64d4\u7684\u9280\u884c\u696d\u98a8\u96aa\u60c5\u6cc1\u4e0b\uff0c\u7dad\u6301\u6700\u5c113\u5104\u5143\u7e73\u8db3\u6b3e\u80a1\u672c\u3002 \u9999\u6e2f\u7684\u865b\u64ec\u9280\u884c\u8a08\u5283\u5225\u5177\u7279\u8272\uff0c\u5305\u62ec\uff1a\u4e00\u3001\u898f\u5b9a\u9280\u884c\u4e0d\u8a2d\u5be6\u9ad4\u5206\u652f\u6a5f\u69cb\uff0c\u6240\u6709\u670d\u52d9\u4ee5\u4e92\u806f\u7db2\u6216\u5176\u4ed6\u5f62\u5f0f\u7684\u96fb\u5b50\u50b3\u9001\u9014\u5f91\u63d0\u4f9b\u3002\u4e8c\u3001\u4fc3\u9032\u91d1\u878d\u5305\u5bb9\u6027\uff08financial inclusion\uff09\u3002\u4e09\u3001\u5bb9\u7d0d\u5927\u578b\u79d1\u6280\u516c\u53f8\u548c\u91d1\u878d\u79d1\u6280\u516c\u53f8\u53c3\u8207\u6240\u6709\u6b0a\u7d50\u69cb\u3002\u56db\u3001\u7dad\u6301\u98a8\u96aa\u548c\u6280\u8853\u4e2d\u7acb\u7684\u76e3\u7ba1\u6846\u67b6\u3002 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\u5c55\u671b\u672a\u4f86\uff0c\u865b\u64ec\u9280\u884c\u5c07\u6703\u7e7c\u7e8c\u5229\u7528\u6578\u78bc\u6280\u8853\u512a\u52e2\uff0c\u958b\u767c\u591a\u5143\u5316\u7522\u54c1\u548c\u670d\u52d9\u4ee5\u5438\u5f15\u5ba2\u6236\uff0c\u4f8b\u5982\u8ca1\u5bcc\u7ba1\u7406\u670d\u52d9\u3001\u5404\u985e\u4fc3\u92b7\u8a08\u5283\uff08\u5982\u8cfc\u7269\u6298\u6263\uff09\uff0c\u4ee5\u53ca\u70ba\u5ba2\u6236\u63d0\u4f9b\u5177\u7af6\u722d\u529b\u7684\u5b58\u6b3e\u5229\u7387\uff0c\u8207\u50b3\u7d71\u9280\u884c\u7af6\u722d\u3002\u5176\u76ee\u6a19\u5ba2\u6236\u7fa4\u4ea6\u5c07\u4e0d\u53ea\u5c40\u9650\u65bc\u5e74\u8f15\u4e00\u4ee3\uff0c\u9032\u800c\u5305\u62ec\u7a4d\u84c4\u8f03\u591a\u4e26\u6108\u4f86\u6108\u6a02\u65bc\u63a5\u53d7\u865b\u64ec\u91d1\u878d\u670d\u52d9\u7684\u9577\u8005\u3002 \u53c3\u8003\u6587\u737b\uff1a Chen, S., D'Silva, D., Packer F., & Tiwari, S. \uff082022\uff09, \"Virtual Banking and Beyond\", BIS Papers, No. 120, January 2022.","inLanguage":"zh-HK","isPartOf":{"@id":"https:\/\/www.hkubs.hku.hk\/tc\/#website"},"breadcrumb":{"@id":"https:\/\/www.hkubs.hku.hk\/tc\/research\/thought-leadership\/hkej-column\/%e8%99%9b%e5%af%a6%e4%b8%a6%e6%bf%9f-%e9%8a%80%e8%a1%8c%e5%a4%a7%e5%8b%a2\/#breadcrumblist"},"datePublished":"2022-05-26T09:00:57+08:00","dateModified":"2022-05-25T12:13:50+08:00"},{"@type":"WebSite","@id":"https:\/\/www.hkubs.hku.hk\/tc\/#website","url":"https:\/\/www.hkubs.hku.hk\/tc\/","name":"HKU Business School","inLanguage":"zh-HK","publisher":{"@id":"https:\/\/www.hkubs.hku.hk\/tc\/#organization"}}]},"og:locale":"en_US","og:site_name":"HKU Business School -","og:type":"article","og:title":"\u865b\u5be6\u4e26\u6fdf \u9280\u884c\u5927\u52e2 - HKU Business 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2022.","og:url":"https:\/\/www.hkubs.hku.hk\/tc\/research\/thought-leadership\/hkej-column\/%e8%99%9b%e5%af%a6%e4%b8%a6%e6%bf%9f-%e9%8a%80%e8%a1%8c%e5%a4%a7%e5%8b%a2\/","article:published_time":"2022-05-26T01:00:57+00:00","article:modified_time":"2022-05-25T04:13:50+00:00","twitter:card":"summary","twitter:title":"\u865b\u5be6\u4e26\u6fdf \u9280\u884c\u5927\u52e2 - HKU Business 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\u5c55\u671b\u672a\u4f86\uff0c\u865b\u64ec\u9280\u884c\u5c07\u6703\u7e7c\u7e8c\u5229\u7528\u6578\u78bc\u6280\u8853\u512a\u52e2\uff0c\u958b\u767c\u591a\u5143\u5316\u7522\u54c1\u548c\u670d\u52d9\u4ee5\u5438\u5f15\u5ba2\u6236\uff0c\u4f8b\u5982\u8ca1\u5bcc\u7ba1\u7406\u670d\u52d9\u3001\u5404\u985e\u4fc3\u92b7\u8a08\u5283\uff08\u5982\u8cfc\u7269\u6298\u6263\uff09\uff0c\u4ee5\u53ca\u70ba\u5ba2\u6236\u63d0\u4f9b\u5177\u7af6\u722d\u529b\u7684\u5b58\u6b3e\u5229\u7387\uff0c\u8207\u50b3\u7d71\u9280\u884c\u7af6\u722d\u3002\u5176\u76ee\u6a19\u5ba2\u6236\u7fa4\u4ea6\u5c07\u4e0d\u53ea\u5c40\u9650\u65bc\u5e74\u8f15\u4e00\u4ee3\uff0c\u9032\u800c\u5305\u62ec\u7a4d\u84c4\u8f03\u591a\u4e26\u6108\u4f86\u6108\u6a02\u65bc\u63a5\u53d7\u865b\u64ec\u91d1\u878d\u670d\u52d9\u7684\u9577\u8005\u3002 \u53c3\u8003\u6587\u737b\uff1a Chen, S., D'Silva, D., Packer F., &amp; Tiwari, S. \uff082022\uff09, &quot;Virtual Banking and Beyond&quot;, BIS Papers, No. 120, January 2022."},"aioseo_meta_data":{"post_id":"167330","title":null,"description":"","keywords":"","keyphrases":null,"primary_term":null,"canonical_url":"","og_title":"","og_description":"","og_object_type":"article","og_image_type":"default","og_image_url":null,"og_image_width":null,"og_image_height":null,"og_image_custom_url":null,"og_image_custom_fields":null,"og_video":"","og_custom_url":null,"og_article_section":"","og_article_tags":"","twitter_use_og":false,"twitter_card":"summary","twitter_image_type":"default","twitter_image_url":null,"twitter_image_custom_url":null,"twitter_image_custom_fields":null,"twitter_title":null,"twitter_description":null,"schema":{"blockGraphs":[],"customGraphs":[],"default":{"data":{"Article":[],"Course":[],"Dataset":[],"FAQPage":[],"Movie":[],"Person":[],"Product":[],"ProductReview":[],"Car":[],"Recipe":[],"Service":[],"SoftwareApplication":[],"WebPage":[]},"graphName":"WebPage","isEnabled":true},"graphs":[]},"schema_type":"default","schema_type_options":null,"pillar_content":false,"robots_default":true,"robots_noindex":false,"robots_noarchive":false,"robots_nosnippet":false,"robots_nofollow":false,"robots_noimageindex":false,"robots_noodp":false,"robots_notranslate":false,"robots_max_snippet":null,"robots_max_videopreview":null,"robots_max_imagepreview":"large","priority":null,"frequency":null,"local_seo":null,"breadcrumb_settings":null,"limit_modified_date":0,"ai":null,"created":"2023-02-28 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