基于索洛经济增长模型浅析金融科技的机遇与挑战

A Brief Analysis of Opportunities and Challenges of FinTech Based on Solow Economic Growth Model

未来的金融服务将会以数据为根本,与消费场景相融合,通过构建智能化、多元化和场景化的综合金融服务生态,使金融全方位、无接触地服务于广大消费者。金融机构通过远程智慧云平台实现线上响应,并满足客户的服务需求,进行无障碍沟通,既不影响工作进程,也节约了人力成本,保障了金融机构的平稳与有序运行。由此可见,金融科技在支撑金融体系乃至经济体系方面的重要性。文章基于索洛经济增长模型,分析了金融科技的重要性,并从金融机构角度分析了金融科技创新面对的机遇和挑战,对金融科技在未来金融市场上的发展趋势提出了合理预期,认为未来区域链经济的加入有望进一步提升金融科技的经济效益;同时,开辟金融科技与商业银行产业融合的新产物,通过央行币开拓全方位、多层次、跨领域的流通机制,实时监管资金流向,并积极探索监管科技,以形成完善、高效的监管机制,优化和规范金融投融资环境,进而助力商业银行借助金融科技构建“去中心化”的智能金融价值网。

In the future,financial services will be based on data and integrated with consumption scenarios,and serve consumers in an all-round and non-contact way by building an intelligent,diversified and scenario-based comprehensive ecosystem of financial service.Financial institutions can respond online through the remote intelligent cloud platforms,and complete client's service requirements and make barrier-free communication,which can not affect process of work,and also can save human costs to ensure the smooth and orderly operation of financial institutions.Thus it shows the importance of FinTech in supporting the financial system and economic system.Based on solow economic growth model,this paper analyzes the importance of financial technology,and analyzes the opportunities and challenges of financial technological innovation from the perspective of financial institutions and put forward the reasonable expectations for the growing trend of FinTech in the future financial market,and it is believed that the joining of future regional economic chain is expected to further enhance the economic efficiency of the financial technology.At the same time,it is time to set up a new integration of financial technology and commercial banking industry and develop a all-round,multi-leveled and cross-domain circulation mechanism by central bank money,then supervise in real time fund flow.Furthermore,it needs to actively explore the RegTech to form a perfect and efficient supervision mechanism,optimize and standardize the investment and financing environment in order to help commercial Banks through financial technology to build"decentralized"smart financial value net.