摘要
金融科技的本质内涵是以技术和数据驱动的金融创新。结合金融科技的本质内涵和发展进程,可以构建出金融科技发展演进逻辑的基本分析框架:技术、数据、客户与金融机构等四大主体作为四个顶点架构成三棱锥四面体,随着金融科技发展,三棱锥四面体也逐渐升维,形成一个多维动态发展的体系。在这一演进逻辑下,中国金融科技的发展分为三个阶段。在Fintech 3.0时代,中国金融科技在投资主体、投资结构、普惠性、评估治理等方面都呈现出具有中国特色的发展格局。结合金融科技的演进逻辑与特征,其未来提升路径可从国内发展定位、国际支付体系主导权、"一带一路"金融合作等三个层面进行宏观把握和推进。
The essential connotation of Fintech is financial innovation driven by technology and data.Combining the essential connotation and development process ofFintech,a basic analysis framework for the evolutionary logic of Fintech development is constructed:the four main bodies of Fintech such as technology,data,customers and financial institutions,as the four vertices,form a triangular pyramid tetrahedron.With the development of Fintech,the triangular pyramid tetrahedron is gradually ascending,forming a multi-dimensional dynamic development system.Under this evolutionary logic,the development of China’s Fintech can be divided into three stages.In the era of Fintech 3.0,China’s Fintech presents a development pattern with Chinese characteristicsin terms of investment subjects,investment structure,inclusiveness,evaluation and governance.Combining the evolution logic and characteristics of Fintech,its future improvement path can be macro grasped and promoted from three aspects:domestic development positioning,dominance of the international payment system,and the"Belt and Road"financial cooperation.
作者
姜睿
JIANG Rui(School of Advanced International and Area Studies of East China Normal University,Shanghai 200062,China)
出处
《经济体制改革》
CSSCI
北大核心
2020年第6期147-152,共6页
Reform of Economic System
基金
教育部人文社会科学研究青年基金项目“基于‘一带一路’的国家战略整合创新机制研究”(15YJCGJW002)。
关键词
金融科技
数字经济
普惠金融
演进逻辑
fintech
digital economy
inclusive finance
evolutionary logic
