金融科技:研究现状与展望

Current research status and prospects of FinTech

本研究认为金融科技是指借助移动互联、区块链、人工智能、大数据等科技创新方式,通过数字化、智能化、安全化等手段把金融服务与应用场景紧密互联,实现金融服务提供者流动性、营利性、安全性等目标,满足金融服务需求者支付、融资、投资和交易等功能需求,并且促进金融服务向便利、便宜、普惠、安全等方向发展的综合金融活动总称.本研究从分析移动互联、大数据、人工智能、区块链等新兴技术及其所推动的金融创新入手,以金融服务三大业务流程为切入点,从支付与结算、信贷与融资、资产管理服务三个方面进行文献梳理.此外,从监管理念变革、监管内容扩展、监管机制重构、监管技术创新四个方面对金融监管进行思考.最后对未来相关研究提出一些展望.

FinTech is a comprehensive term that encompasses various financial activities aimed at promoting fi-nancial services to be more convenient,cheaper,more inclusive,and safer in virtue of mobile internet,block-chain,artificial intelligence,big data,and other ways of scientific and technological innovations.It tightly combines financial services with application scenarios in a digitized,intelligent,and secure way.It accompli-shes the goals of financial service suppliers for liquidity,profitability,and security,as well as meeting the functional demands of financial service demanders for paying,financing,investment,and trading.Starting from the analysis of mobile internet,big data,artificial intelligence,blockchain,and other emerging technolo-gies and the financial innovations promoted by them,this paper takes the three major business processes of fi-nancial services as the breakthrough point.It combs the documents from three aspects:payment and settle-ment,credit and financing,and asset management services.In addition,the study considers and reflects fi-nancial regulation from four perspectives:the reformation of the regulatory concepts,the expansion of regulato-ry content,the reconstruction of regulatory mechanism,and the innovation of regulatory technology.Finally,it discusses prospects for future research.