At the Beijing Summit of the China -Africa Cooperation Forum in 2018，President Xi Jinping proposed to build a closer community of China -Africa destiny，to establish a model for promoting the establishment of a community of human destiny。2021 The "China -Africa Cooperation 2035 Vision 2035 Vision" is clearly proposed，China -Africa cooperation must cover the traditional field，Also expand the digital economy、Green Low Carbon and other emerging areas。With the new round of scientific and technological revolution and industrial change，Africa's digital development represented by digital finance is rapid，It is necessary to open up a new channel for China -Africa cooperation around digital finance，Injecting new motivation into the new era of China -Africa cooperation。

China African Digital Financial Cooperation has a broad prospect 

Africa ushered in the wave of fintech investment。Fintech is becoming the third wave of science and technology investment after Africa's mobile communication and e -commerce，It is the fastest development industry in Africa。2020-2021，African Fintech startups exceed 2,500，About half of the starting enterprise of science and technology。At the same time，African fintech companies raised more than $ 78 million at the African Fintech Summit at 2022，Among them, startups raised more than $ 40 million in capital。According to McKinsey Forecast，By 2025, the income of African fintech companies will increase to $ 30.3 billion，About 8 times in 2020。

Africa is becoming an innovative highland for digital finance。In recent years，Driven by digital finance innovation，There are more than 10 African countries to implement Bet365 lotto review the central bank's digital currency，South Africa、Ghana、Nigeria and Tanzania and other countries are at the forefront。For example，Nigeria has launched electronic Nara，and become the first country in Africa to launch digital currencies in the central bank。Digital currency of the South African Central Bank is with Australia、Malaysia and Singapore and other countries conduct cross -border pilots and tests。Africa may become a new highland for global digital financial innovation。

African digital financial development potential huge。The current Internet access of Africa is exponential growth，The coverage and usage rate of mobile devices access the Internet will be quickly improved，Digital applications with mobile Internet as the core are rapidly promoting African economic development，It laid a better foundation for the development of digital finance。other，African population is as high as 1.3 billion and the population growth is faster，The proportion of young people's population is higher，65%of the population cannot enjoy bank services，90%of transactions use cash，Credit card penetration rate is extremely low。African traditional finance cannot meet the financial demand of the huge scale and rapid growth of young people's population，It also reflects the huge potential of digital finance development。

China African Digital Financial Combination is far -reaching 

Similar to African countries，my country is also not high in credit card penetration and traditional financial services coverage.，The rapid development of e -commerce，Under the background of third -party payment and mobile payment demand and digital technology innovation drive，The rapid development of digital finance。But my country ’s construction of digital financial infrastructure、Bet365 lotto review the central bank's digital currency pilot、Internet Bet365 lotto review Bank、Mobile payment、Internet Finance、Internet insurance、Internet securities and financial information services，and digital financial governance、Financial technology innovation ability and technical level，All have a good development foundation，It can provide important experience for the development of digital finance in Africa。Visible，Opening the new channel of Chinese -African digital financial cooperation is far -reaching。

First，Expand the field of cooperation between China and Africa，Shape the new image of cooperation between China and China and Africa。The current China -Africa cooperation is mainly based on the economic and trade cooperation in traditional fields，Digital economic cooperation mainly focuses on information infrastructure and e -commerce，The enthusiasm of folk and social forces has not been fully mobilized。So，Give full play to my country's comparative advantage in the field of fintech，Promote China -Africa digital financial cooperation，It is conducive to expanding international cooperation in emerging fields such as scientific and technological innovation and digital economy，Fully shows the new image of China as an emerging technology country on the international stage，and the new image of China -Africa cooperation under the guidance of the concept of the Community of Destiny of China Africa。

Second，Accelerate the financial and technology "going global"，Help push and build a new pattern of development。Facing a big change in the world for a century，The game of the great country is becoming more intense，"Going out" to promote fintech "going global" is also more urgent。This is not only an important part of the mutual promotion of domestic and international dual cycles，It is also an important support and Bet365 lotto review internal requirements for building a new development pattern。Open the new channel for China -Africa cooperation with fintech cooperation，Promoting a new generation of information and communication industry with the leading technical level in Africa，Help Africa e -commerce、Mobile payment、Media Entertainment and other industries develop rapidly，It is conducive to consolidating the status of my country's largest trading partner in Africa，Then build a high -level community of African Destiny。

Last，Explore the new model of China -Africa economic and trade cooperation，Promote the in -depth development of China -Africa relations。Because Africa is undergoing a structural change from traditional financial services to digital financial services，China African Digital Financial Cooperation involves the currency liquidation at Bet365 lotto review the central bank's digital currency level、Cross -border payment, etc.，It also involves extensive payment、Credit、Financial services such as wealth management and daily digital financial application scenarios。Promote China -Africa digital financial cooperation，Not only becoming an important booster for deepening China -Africa economic and trade cooperation，It is also conducive to cultivating new consumer concepts in Africa、Consumption model and consumer scene，A profound impact on promoting the establishment of a community of destiny of China and Africa。

Promote China -Africa digital financial cooperation stable and far away 

First，Establish a "top -down" cooperation promotion mode。In view of finance is the economic life of a country，Digital financial cooperation is different from general economic and trade cooperation，It is necessary to strengthen the importance and necessity of the importance and necessity of digital financial cooperation between China and Africa，Strengthen the positive promotion of political and diplomatic levels。At the level of bet365 Play online games strategic implementation，It can explore that China -Africa digital financial cooperation is included in Africa's "2063 Vision" and "African Digital Transformation Strategy (2020-2030)"，or do the cooperation framework of the "Belt and Road" initiative in my country，Interest into the specific implementation process of "China -Africa Cooperation 2035 Vision"。

Second，Explore the establishment of a "two -wheel drive" cooperation mode。Focus on two levels of Bet365 lotto review the central bank's digital currency and digital finance applications。On the one hand，Can be led by the People's Bank of China，Cooperation with relevant central banks and departments with African countries，Promote Digital RMB cross -border investment、Application of trade settlement and cross -border e -commerce，Exploring the payment and liquidation cooperation between digital RMB and the legal currencies of Africa and related countries in Africa。On the other hand，Encourage and support Chinese companies with technical and market advantages，Actively participate in the new round of fintech investment in Africa，Cooperation with African companies，Maximum the strategic role of China -Africa digital economic cooperation, especially digital financial cooperation。

third，Scientific planning cooperation content and key areas。Adhere to "something to do and do something"，Digital financial development potential for different countries in Africa、Status and bilateral relations，Orderly choose a cooperative country，Focus on promoting precision cooperation in the application of digital currencies or digital financial applications for central banks，Strive for cooperation as soon as possible for results、Performance。At the same time，Pay attention to the role of the organization of African Union and African countries，Pay attention to the autonomy and enthusiasm bet365 best casino games of the participation of social capital，Pay attention to the creation of public opinion atmosphere and international political environment that is conducive to the creation of digital financial cooperation in China。

Fourth，Build and improve the cooperation mechanism and cooperation carrier。On the one hand，Use the existing China -Africa cooperation mechanism and cooperation carrier，Considering the incorporation of China -Africa digital financial cooperation into the China -Africa Cooperation Forum、Specific agenda of the China -Africa Internet Development and Cooperation Forum; on the other hand,，Organize the China -Africa Digital Financial Cooperation Forum, etc.，Explore the establishment of China -Africa digital financial exchange cooperation mechanisms，Unblocking cooperation channels for China -Africa enterprises，Promoting Digital RMB in cross -border payment and settlement、Widely used in investment and financing。

Fifth，Support the training of African digital financial talents。Accelerating the training of digital finance talents is the key to achieving high -quality development of digital finance。For this，It can jointly set up digital transformation training projects with the African Union or my country's key countries in Africa，Incorporate the training of African digital finance talents into the training project of foreign education aid foreign，my country's research and development and pilot of digital RMB、Digital Financial Enterprises Development and Digital Financial Applications are actively promoted，Promote the close cooperation of China -Africa in the field of "digital talents" training，Multi -channel multi -form support African digital financial talent training。

(Author Unit: Institute of Quantitative Economics and Economics of the Chinese Academy of Social Sciences)