金融科技的内涵、实质及未来发展——基于金融理论的一般性分析
发布时间：2019-07-11 21:31
【摘要】：金融科技主要是指大数据背景下,利用现代科技及数据挖掘而开发的成本低、使用便利、有效的金融产品及服务。目前,推动金融科技的发展成为世界各国提升国家竞争力的重要战略选择。金融科技是eScience范式在金融业的延伸。它可以把许多以往不可见、不可度量、不可存储与不可分析的事件数字化,从而颠覆性地改变对信用识别、获得、评估、风险定价等方式的运用,以此来发现和挖掘金融的潜在需求,为客户创造价值。目前,金融科技已成为新的金融需求发现、金融产品及服务创新、社会财富创造的动力与源泉,未来具有无限发展前途。
[Abstract]:Financial technology mainly refers to the low cost, convenient use and effective financial products and services developed by using modern science and technology and data mining under the background of big data. At present, promoting the development of financial science and technology has become an important strategic choice to enhance national competitiveness in the world. Financial technology is the extension of eScience paradigm in financial industry. It can digitize many events that are invisible, unmeasured, unstorable and unanalyzable in the past, so as to subversely change the use of credit identification, acquisition, evaluation, risk pricing and so on, so as to discover and tap the potential demand of finance and create value for customers. At present, financial science and technology has become a new financial demand discovery, financial products and services innovation, the power and source of social wealth creation, the future has unlimited development prospects.
【作者单位】： 青岛大学互联网金融研究院;
【分类号】：F832
[Abstract]:Financial technology mainly refers to the low cost, convenient use and effective financial products and services developed by using modern science and technology and data mining under the background of big data. At present, promoting the development of financial science and technology has become an important strategic choice to enhance national competitiveness in the world. Financial technology is the extension of eScience paradigm in financial industry. It can digitize many events that are invisible, unmeasured, unstorable and unanalyzable in the past, so as to subversely change the use of credit identification, acquisition, evaluation, risk pricing and so on, so as to discover and tap the potential demand of finance and create value for customers. At present, financial science and technology has become a new financial demand discovery, financial products and services innovation, the power and source of social wealth creation, the future has unlimited development prospects.
【作者单位】： 青岛大学互联网金融研究院;
【分类号】：F832
【参考文献】
相关期刊论文 前2条
1 谢平;邹传伟;刘海二;;互联网金融的基础理论[J];金融研究;2015年08期
2 徐玉莲;王宏起;;科技金融对技术创新的支持作用:基于Bootstrap方法的实证分析[J];科技进步与对策;2012年03期
相关重要报纸文章 前1条
1 易宪容;;互联网金融究竟是什么[N];上海证券报;2016年
【共引文献】
相关期刊论文 前10条
1 张文博;;互联网金融与互联网金融征信体系的发展研究[J];现代管理科学;2017年10期
2 董玉峰;;商业银行电商金融发展及其乘数效应研究[J];金融理论与实践;2017年08期
3 甘兆雯;;蚂蚁金服的运行特征分析[J];特区经济;2017年07期
4 刘波;刘彦;赵洪江;冷梦s，
本文编号：2513498
本文链接：https://www.wllwen.com/jingjilunwen/huobiyinxinglunwen/2513498.html
