摘要
金融科技改变了传统金融行业业务模式,然而目前研究主要关注特定的金融技术领域,缺少对金融科技的整体行业发展的系统性分析。因此,为了了解此发展,本研究对近年来金融科技的相关文献进行综述,梳理学者观点。本文回顾了2018年至2021年3月间SSCI核心合集国际期刊中金融科技的相关文献,将其分为“技术、服务、创新、使用意图、监管和金融包容性”六大类。接着,通过分析金融科技在不同领域的现状和发展趋势,归纳整理了金融科技在现代经济社会中的影响与作用。并且,本文关注了中国学者的研究领域,探讨了学者在六个方面研究的不同的侧重点。最后,本文进一步提出对金融科技的未来研究展望,旨在为学者们提供参考性建议和研究方向。
Fintech has changed the operational model of the traditional financial industry. However, current research mainly focuses on specific technical fields and lacks a systematic analysis of the develop-ment of Fintech in the overall industry. Therefore, to understand this development, this article re-views the relevant literature of Fintech in the SSCI international journals from 2018 to March 2021, and divides them into six categories: “technology, service, innovation, intention, regulation, and fi-nancial inclusion”. By analyzing the status quo and development trends of Fintech in the categories, this study summarizes their influences on the contemporary economy and society. Then, we further explore and investigate Chinese scholars’ research fields and discuss the key points in six categories of Fintech. Finally, this study proposes the research prospects of Fintech, aiming to provide scholars with suggestions and future directions.
出处
《金融》
2021年第4期223-231,共9页
Finance
