社会可接受视域下金融科技(Fintech)功能定位与策略重构研究

Research on FINTECH's Functional Orientation and Reconstruction from the Perspective of Social Acceptability

金融科技(Fintech)在以极富创造力的形式推进现代金融产品与服务体系进入3.0时代,但"无序"、"过热"、"单边化"是我国各金融组织Fintech创新的突出问题,引发了广泛的社会担忧,应迫切从社会可接受视角,对当代中国国情下Fintech的功能进行准确定位与发展路径重构,从而实现"科技-金融"的协调发展、发挥Fintech助力实体经济和服务支持国家战略的重要作用。

FinTech,with Internet information technology as its core,is pushing the modern financial product and service system into the 3.0 era in a highly creative form,but'disorder','overheating'and'unilateralization'are prominent problems in FinTech innovation of various financial organizations in China,causing widespread social concerns.It is urgent to accurately position and reconstruct the function of FinTech under the current China’s national conditions from a socially acceptable perspective,so as to achieve the coordinated development of'technology-finance'and play an important role of FinTech in boosting the real economy and supporting the national strategy.