金融科技创新的前世与今生

The Previous and Present Life of Fintech Innovation

传统的金融机构不要低估金融科技创新的意义,科技企业也不要低估金融创新的风险。当前正处在一个从＂钱庄＂＂票号＂向现代银行业转变的历史时期。这个时期,人类的产业结构、生活方式正在发生巨大变化。金融机构的核心竞争力,已经不再是现在的资产规模和分支数量,而是对技术创新的理解和对未来商业模式变化的洞见。

Traditional financial institutions should not underestimate the significance of Fintech innovation. Science and technology companies also should not underestimate the risks of financial innovation. Now we are undergoing the historical period with transition from money shops and exchange shops to a modern banking industry. During this period, the industry structure and people's lifestyle have experienced tremendous changes. The core competitiveness of financial institutions is no longer their existing asset scale and the number of their branches but their insight into technological innovation and changes to future business mode. Meanwhile, some Internet companies believe that this round of Fintech innovation can remove risks. History tells us that technological innovation does not remove risks but more often amplify risks.