金融科技底层技术创新及其对金融行业的赋能作用

Underlying Technological Innovation of FinTech and its Empowering Role in Financial Industry

金融科技是底层技术驱动的金融创新,其本质是通过技术手段提升金融行业的服务质效。通过分析人工智能、区块链、云计算、大数据、5G等金融科技底层技术的创新特征及其相互关系,可以揭示技术创新与金融需求间的“契合点”,推动金融与科技深度融合。人工智能开启了智能金融新时代,区块链助力构建去中心化的可信金融交易体系,云计算按需提供实时在线和高可靠性的金融服务,大数据全方位赋能金融机构数字化转型,而5G商用进一步增强了上述金融科技技术的赋能属性。金融科技底层技术已在智能风控、区块链保险、大数据征信、综合金融服务和智慧银行等业态中发挥了重要的赋能作用,但是技术瓶颈和落地场景仍有待进一步突破。要推动类脑人工智能、区块链“闪电网络”、5G“边云协同”等前沿技术的研发和应用,发挥技术间的协同效应,构建金融科技新生态,更好地赋能金融行业高质量发展。

FinTech is financial innovation driven by the underlying technologies.Its essence is to improve the quality of financial services through technical means.By analyzing the innovative characteristics and interrelationships of the underlying technologies such as AI,blockchain,cloud computing,big data and 5G,we can reveal the combinations between technological innovation and financial demand,and promote the deep integration of finance and technologies.AI has opened up a new era of intelligent finance.The blockchain helps build a decentralized and credible financial transaction system.Cloud computing provides real-time online and high-reliability financial services on demand.Big data is fully empowered to transform financial institutions digitally.What’s more,5G further enhance the empowering properties of FinTech.The underlying technologies of FinTech has played an important role in new formats of intelligent risk control,blockchain insurance,big data credit reference,integrated financial services and intelligent bank,but technical bottlenecks and landing scenarios still need to be further broken.It is necessary to promote the development and applications of frontier technologies such as brainlike AI,blockchain Lightning Network,5G edge cloud collaboration,so as to give play to the synergy between technologies,and build new FinTech ecology which can better empower the high-quality development of financial industry.