发展中的金融科技：影响与对策

Developing Fintech: Impacts and Tactics

摘要:

金融科技是金融业创新发展和转型升级的利器。本文首先系统回顾了中外金融科技的研究成果，梳理了不同视角下的金融科技认知，比较了金融科技与相近概念的异同，解构了金融科技的主要类型和生态体系。本文还在勾勒历史演进和分析发展要素的基础上，厘清了金融科技的发展特征。最后，本文从业务发展和风险管理两个方面，总结了金融科技对金融业的重要影响，并结合中国金融科技面临的四个方面挑战，给出了夯实技术基础、关注科技巨头、强化专利保护、发展监管科技等对策建议。

关键词:金融科技;风险管理;专利保护;监管科技

Abstract:

Fintech is an edge tool for the innovation and upgrading of the financial industry. This article first systematically reviews the literature of Fintech at home and abroad, teases the cognition of Fintech from different perspectives, compares the similarities and differences between Fintech and similar concepts, and deconstructs its main types and ecosystem. This article also clarifies the development characteristics of Fintech based on the outline of historical evolution and analysis of development factors. Finally, this article summarizes the impact of Fintech on the financial industry from two aspects of business development and risk management, and provides suggestions on consolidating the technical foundation, paying attention to Bigtech, strengthening patent protection and developing Regtech based on four challenges by China.

Key words:Fintech; risk management; patent protection; Regtech