金融科技影响金融市场的路径、方式及应对策略

The Path, Pattern and the Strategies of Fintech’s Effects on the Financial Market

随着人工智能、大数据、云计算、区块链等新兴信息技术在金融领域的广泛应用,金融科技对金融机构、金融业务乃至金融市场都产生了持续深远的影响。本文从金融科技降低信息不对称带来的风险溢价、新兴主体与传统金融机构融合与竞争等五个方面探讨了金融科技影响金融市场的路径和方式,并据此提出了研究推动金融科技公司等新兴主体的准入和日常监管、促进传统金融机构与新兴主体间的合作竞争等对策建议。

With the widespread application of emerging information technologies like artificial intelligence,big data,cloud computing and blockchain in the financial sector,fintech has had a lasting and profound impact on financial institutions,financial services,and even financial markets.This article explores the ways and methods of fintech's impact on financial markets from five aspects,including the reduction of the risk premium caused by information asymmetry,the integration and competition between emerging entities and the traditional financial institutions.Based on this,this paper proposes the policies and suggestions for promoting the admission and the daily supervision of the emerging bodies like fintech companies and for driving the cooperation and competition between the financial institutions and the emerging participants.