金融科技文献综述

Fintech Literature Review

金融科技的发展正在改变现有的金融体系,金融科技对人力替代趋势明显,降低了金融运营成本,扩大了金融服务人群,提高了金融服务可获得性。本文以金融科技相关文献为素材,梳理了金融科技在金融领域的主要应用,并揭示了金融科技作用机理主要体现在业务发展方面和风险监管方面,但随着金融与科技渗透逐渐加深,也带来了一系列风险,加大了监管难度。本文结合金融科技的具体应用提出几点建议:一是完善金融科技法律体系;二是加强监管科技的应用;三是培养金融科技型人才。

The development of fintech is changing the existing financial system.The trend that human resources was commutable to fintech is conspicuous,which reduces the cost of financial operation,expands the population of financial services and improves the availability of financial services.Based on the relevant literature of fintech,this paper card the main applications of fintech in the fi-nancial field,and reveals that the mechanism of fintech is mainly reflected in business development and risk supervision.However,with the gradual deepening of financial and technology penetration,it also brings a series of risks,increasing the difficulty of supervi-sion.The development trend of fintech is irreversible,and the risk related to fintech cannot be underestimated.In order to deal with the risks produced by fintech,combined with the specific application of fintech,several suggestions were put forward in the study:firstly,improving the legal system of fintech;what’s more,strengthening the application of regtech;lastly,cultivating talents who are proficient in fintech field.