金融科技发展调查及对金融业的影响

Survey on the Development of Financial Technology and the Affection on the Financial Industry

在互联网和信息通讯技术的驱动下,科技与金融不断融合共生,Fin Tech产业的发展如火如荼、方兴未艾。Fin Tech的快速发展对传统金融业的经营模式、创新主体地位、经营绩效、在岗人员等造成一定的冲击和影响。传统金融机构应该把握金融科技化的潮流,居安思危、未雨绸缪,结合自身的优势和Fin Tech的专长,采取自建Fin Tech平台、与Fin Tech新创公司合作或并购Fin Tech新创公司的策略,运用"互联网精神"构建Fin Tech生态体系,推动传统金融业的改革、创新与转型升级,实现金融业的数字化、移动化和智能化,更便捷、更高效、更个性、更低成本地满足消费者的金融需求。

Driven by the Internet and information communication technology,technology is gradually integrating with finance,FinTech industry is in full swing and ascendant.The rapid development of FinTech has caused a certain impact and influence on the management mode,the innovation promoters,business performance,on-the-job personnel of traditional finance sector.Therefore,traditional financial institutions should grasp the trend of FinTech,should ever be prepared for danger and start saving for the rainy day,combining its own advantages and the feature of FinTech,take effective strategies such as self-built FinTech platform,collaboration with FinTech start-up,M&A,etc.Meanwhile,financial institutions should use the spirit of the Internet to build FinTech ecosystem,promote the reform,innovation,transformation and upgrading of traditional finance industry,and realize the digitalization,mobilization and intelligence of the financial sector.Thus,financial sector will meet the needs of the society with more convenience,more efficiency,more personality and more low cost.