论全球金融科技创新的竞争格局与中国创新战略

Research on the Competition Pattern of Global Fintech Innovation and China’s Fintech Innovation Strategy

近年来.主要发达国家纷纷加大对金融科技创新的扶持力度。全球范围内,金融科技投融资额迅速增长,基本形成了区域创新中心。本轮金融科技创新对传统金融模式冲击的力度和速度都是空前的。金融科技创新提高了金融服务的普惠性.使发展中和低收入国家也能够分享技术创新的成果。目前.全球金融科技创新呈现出美国、英国以及欧盟国家“三足鼎立”的竞争格局,三方在不同领域形成了特色鲜明的竞争优势。相比之下,中国金融科技创新的竞争优势主要体现在制度优势、市场规模优势以及后发优势。为此,中国应当从建立柔性的金融监管体制、打造完善的数据治理体系、重视普惠的商业模式创新、建设一流的数据基础设施以及形成开放的本土技术标准等方面明确金融科技创新的战略定位,并重点在普惠金融、消费金融、智能金融以及监管科技等领域加大创新和应用力度,从而在新一轮国际金融格局演变中占据主动,助力中国金融改革发展。

In recent years, main developed countries have been supporting the Fintech innovation to a great extent. The investment and financing on Fintech grew fast and concentrated on several geographical centers. The impacts of Fintech on traditional finance are overwhelming. Financial inclusion was improved in some developing and less developed countries. Now the US, England, and EU are the three giants under the context of global competition, with individual competition features.There are three comparable competition advantages for China and China should make clear strategies mainly in five perspectives. Four specific areas should be considered as the most urgent and useful areas for Fintech innovation and application.China should take actions so as to lead the tendency of Fintech innovation and support domestic financial reform.