Digital finance is a powerful tool for optimizing financial services and an important support for promoting the development of fields such as technology finance, green finance, inclusive finance, and pension finance. General Secretary Xi Jinping pointed out that "finance is the lifeblood of the real economy, and serving the real economy is the duty and purpose of finance." "Financial institutions should accelerate digital transformation, improve the convenience and competitiveness of financial services. To do a good job in digital finance, it is necessary to promote the deep integration of finance and digital technology, extend the breadth and depth of financial services, improve the quality and efficiency of serving the real economy, and continuously meet the needs of economic and social development and the people. Digital finance applies digital technologies such as big data, cloud computing, blockchain, and artificial intelligence to the financial industry, creating new products, services, and business models that help break down traditional financial information barriers, expand service boundaries, and enable funds to flow more accurately and efficiently to the real economy, providing strong support for high-quality development of the real economy. Relieve information asymmetry in financial services. Traditional financial services suffer from information asymmetry, where financial institutions are unable to accurately assess the credit risks of businesses and individuals, and have a certain dependence on collateral, resulting in high financing thresholds. Digital finance can construct a multidimensional credit evaluation system through deep data mining, providing financial institutions with comprehensive and accurate customer information, helping them accurately grasp the effective needs and potential risks of enterprises, guiding credit funds to accurately invest in key areas and weak links of the real economy, and optimizing financing structures. The digital financial service platform can quickly and accurately match physical projects with financial resources, improve service inclusiveness and penetration rate, reduce the risk of fund idle, and improve financing efficiency. Data shows that as of the end of February 2025, banking institutions have issued a total of 37.3 trillion yuan in loans through the national integrated financing credit service platform network, effectively meeting the financing needs of enterprises. Effectively avoid misallocation of financial resources. The traditional financial model serves small and micro enterprises with high risks and costs, and lacks the willingness to support small and micro enterprises, resulting in excessive concentration of credit resources towards large enterprises and the formation of scale mismatch problems. The flexibility and innovative models of digital finance can effectively enhance the accuracy of products and services, and optimize the financing environment for small and medium-sized enterprises. For example, WeBank has launched an online unsecured enterprise working capital loan product called "Weiye Loan". Among the credit granting enterprises, small and micro enterprises with an annual operating income of less than 10 million yuan account for over 70%. At the same time, traditional financial models rely on historical financial data and collateral, making it difficult to evaluate the innovation value of early-stage and growth stage technology-based enterprises. They tend to serve mature traditional enterprises, resulting in ineffective capital flow into strategic emerging industries and creating a mismatch problem in the field. Digital finance can effectively assess enterprise risks, credit, and development potential, provide more efficient, convenient, and low-cost financial services, and help meet the financial service needs of technology-based enterprises in their start-up and growth stages. Promote cost reduction and efficiency improvement in financial services. Digital finance, supported by applications such as digital currency and mobile payments, promotes financial institutions to shorten their business processes, reduce manual intervention, improve the efficiency and convenience of payments and settlements, and continuously enhance the efficiency of serving the real economy. Through the deep application of technologies such as artificial intelligence, blockchain, cloud computing, and big data, financial institutions establish real-time and accurate risk monitoring and early warning systems, continuously strengthen the prediction of potential risks, and reduce operating costs. The technological innovation of emerging financial institutions and the digital transformation of traditional financial institutions can effectively break through the spatial boundaries and quantity constraints of traditional financial products, provide more diversified products and services for the credit market, and enhance the strength and accuracy of financial services for the real economy. The "15th Five Year Plan" proposes to "adhere to the focus of economic development on the real economy" and "vigorously develop technology finance, green finance, inclusive finance, pension finance, and digital finance". This puts higher demands on the financial industry to accelerate digital transformation and provide high-quality services to the real economy. To innovate financial products and service models, promote the penetration of digital financial services into a wider range of fields, more complex scenarios, and more critical links, and continuously expand the breadth and depth of digital financial services for the real economy. Expand breadth and achieve more comprehensive coverage. The breadth of digital financial services to the real economy is an important dimension for measuring its value and effectiveness. In terms of service recipients, it is necessary to rely on digital technology to provide flexible credit support for new forms of employment workers and new business entities, build inclusive platforms for special groups, and bridge the digital divide. In the industrial field, it is necessary to extend digital credit and supply chain financial services to traditional industries, improve the financial service system covering the entire innovation chain, and guide financial resources to concentrate in high growth areas. In terms of business model, embed financial services into various digital scenarios and build a full chain, scenario based financial service system. In terms of regional coverage, we will enhance the level of digital inclusive finance in rural areas and support the optimization of the layout of digital inclusive finance service points in the central and western regions. Extend depth to achieve more precise empowerment. Deepen the application of data elements, promote the orderly sharing of public data and financial data, explore institutional innovations such as data assetization and digital credit, and launch a data asset pledge financing business model. Strengthen the application of digital technology, enhance smart financial services for the entire chain and lifecycle of enterprises, and rely on cloud native technology to achieve efficient resource allocation and precise cost control. Promote policy coordination, strengthen the strategic guidance role of national development planning, improve the assessment and evaluation system of financial institutions, explore the "sandbox supervision" mechanism and "negative list" management. Strengthen the construction of talent teams, support universities to explore and construct new models of interdisciplinary and professional integration training, promote school enterprise collaboration in education, and cultivate compound high-end financial talents. Improve mechanisms and enhance the quality and efficiency of development. Accelerate the construction of digital financial infrastructure, optimize the layout of computing power infrastructure, build a secure and reliable technological foundation, and collaborate with multiple parties to enhance the digital financial literacy of the entire population. Implement differentiated incentive policies, reduce service costs through government subsidies, central bank refinancing, and other means, and improve market-oriented pricing and risk sharing mechanisms. Strengthen the data security defense line, establish a sound penetrating regulatory system, accurately control the flow of funds, prevent systemic risks, and ensure that digital financial services achieve wider coverage and deeper penetration under the premise of security and controllability. (The author is a special researcher at the Research Center for the Theory of Socialism with Chinese Characteristics in Gansu Province and the Vice Dean of the School of Economics at Lanzhou University) (New Press)