| 金融科技概念辨析、发展历程梳理及前景展望 |
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| 引用本文： | 周雷,张玉玉,陈音.金融科技概念辨析、发展历程梳理及前景展望[J].江苏经贸职业技术学院学报,2020(1):20-23. |
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| 作者姓名： | 周雷 张玉玉 陈音 |
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| 作者单位： | 苏州市职业大学商学院,江苏苏州215104;中国技术经济学会金融科技专委会,北京100000;苏州市职业大学商学院,江苏苏州215104 |
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| 基金项目： | 教学改革项目;苏州市科协软科学课题重点项目;教育部人文社会科学研究项目 |
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| 摘 要： | 运用比较分析、抽象概括的方法,深入辨析金融科技、科技金融和互联网金融等相关概念的异同及与实体经济的关系,在此基础上以主要支撑技术及其典型应用为划分依据分析金融科技的发展历程,得出的结论是:金融科技先后经历了电子化金融、互联网金融和场景化金融等发展阶段,金融与科技的融合逐渐加深。随着人工智能、5G、区块链等前沿技术的应用和监管的完善,金融科技产业将迎来新一轮重大发展机遇,金融科技创新在促进实体经济高质量发展方面有望发挥更大的作用。
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| 关 键 词： | 金融科技 金融创新 实体经济 互联网金融 人工智能 5G |
Concepts,Development History and Prospects of Financial Technology |
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| Authors: | ZHOU Lei ZHANG Yu-yu CHEN Yin |
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| Institution: | (School of Business,Suzhou Vocational University,Suzhou 215104,Jiangsu,China;Financial Technology Special Committee,Chinese Society of Technology Economics,Beijing 100000,China) |
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| Abstract: | Through the way of using comparative analysis and abstract generalization methods to analyze the similarities and differences of related concepts such as financial technology, technological finance, internet finance and their relationships with real economy, it is feasible to divide stages of financial technology innovation. Based on the main supporting technologies and their typical applications, the development of financial technology has experienced different stages of e-finance, internet finance and scenario finance, the integration of finance and technology has gradually deepened. With the application and supervision of advanced technologies such as AI, 5 G and block chain, the financial technology industry will usher in a new round of major development opportunities. Furthermore, financial technology innovation is expected to play a more important role in serving high-quality development of real economy. |
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| Keywords: | financial technology financial innovation real economy internet finance artificial intelligence 5G |
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