金融科技:探索银行和金融服务的数字化转型

Yuanfei Zhang
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引用次数: 0

摘要

自互联网革命以来,金融科技迅猛发展。今天,金融科技已经产生了众多细分市场,许多金融技术得到了更广泛的应用。其中最活跃的金融科技领域是:通过数字货币进行在线支付,无需现金;P2P借贷,可以在不使用中介的情况下直接进行个人对个人的借贷;机器人咨询,利用算法提供投资建议;以及分布式账本技术(DLT)区块链。它们在世界上的一些国家都被广泛使用,但尚未被完全取代。这些新兴的金融技术无疑对传统金融产生了革命性的影响,为金融业的发展提供了新的思路。它们产生的问题也值得关注。本文介绍了这四种金融技术的发展历史,并将其与在金融领域应用的传统运作方式进行了比较,分析了这四种金融技术的优势和局限性。最后,对金融科技发展的未来进行了思考。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Fintech: Exploring the Digital Transformation of Banking & Financial Services
Fintech has exploded since the Internet revolution. Today, fintech has given rise to numerous segments, and many financial technologies have gained wider application. Among which the most active fintech areas are: online payments via digital currency without the need for cash; P2P lending, which enables direct person-to-person lending without the use of intermediaries; robo-advice, which use algorithms to provide investment advice; and distributed ledger technology (DLT) blockchain. They are all widely used in some countries around the world, but have not yet undergone a complete replacement. These emerging financial technologies have undoubtedly revolutionary implications for traditional finance, providing new ideas for the development of the financial sector. The problems they generate deserve attention as well. This paper introduces the development history of these four financial technologies, compares them with the traditional way of operation in the financial field in which they applied, and analyzes the advantages and limitations of these financial technologies. Finally, reflections on the future of fintech development are presented.
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