摘要
随着大数据、云计算、人工智能、区块链等新兴技术在金融业的不断应用,金融科技正在全球范围内掀起一股热潮,推动金融行业创新不断深化。为此,本文在构建城市金融科技发展指数的基础上,从环境支撑、科技基础、产业规模和发展潜力四个方面对上海金融科技发展现状进行深入分析,并与世界主要金融城市进行比较。研究发现,上海金融科技在过去五年取得了长足进步,但在近两年暂时陷入停滞。虽然上海在环境支撑上存在一定优势,但在科技基础、产业规模和发展潜力上与北京有一定差距。特别地,上海的城市吸引力和金融科技热度在2015年后均出现了不同程度的下滑。上海与国际重要金融城市伦敦和纽约相比,差距进一步增大。通过SWOT分析,我们清楚地看到上海目前主要面临'强金融、弱科技'的局面。为此,完善上海金融科技市场、互联网产业和监管环境等条件,金融科技产业将会迎来更多发展机遇和空间。此外,上海金融科技发展也基本遵从金融信息化、互联网金融,到目前的金融科技三个阶段。鉴于此,本文分析了上海金融科技发展的定位及其基本路径,为促进上海金融科技的发展,给出了加强产业政策扶持、金融科技人才吸引、国际交流合作和防范金融科技风险等对策建议。
With the continuous application of big data,cloud computing,artificial intelligence,blockchain and other emerging technologies in the financial industry,the fintech is setting off a global upsurge and promoting the deepening of innovation in the financial industry.Based on the establishment of fintech development index in cities,this paper systematically analyzes the development status of fintech in Shanghai from four aspects:environment support,science and technology foundation,industrial scale and development potential,and compares it with the major financial center cities at home and abroad.The study finds that the fintech of Shanghai has made great progress in the past five years,but has temporarily stagnated in the past two years.Although Shanghai has some advantages in environmental support,it still lags behind Beijing in terms of scientific and technological foundation,industrial scale and development potential.In particular,both Shanghai’s urban attraction and the popularity of fintech have declined to varying degrees since 2015.Compared with major international financial center cities,the gap between Shanghai and like London or New York has been widening further.We clearly see that Shanghai is currently facing the situation of'strong finance but weak science and technology'by using SWOT analysis.The fintech industry in Shanghai will embrace more development opportunities and space by improving the conditions of fintech market,Internet industry and regulatory environment.In addition,the development of fintech in Shanghai basically follows a basic path from the financial informatization,to the Internet finance and until to the fintech.In view of this,this paper gives the positioning and basic path of the development of fintech in Shanghai.For promoting the development of financial technology in Shanghai,this paper gives the relevant countermeasures and suggestions on the development of fintech in Shanghai,such as the need to strengthen the industrial policy support,the fintech talent attraction,the inter
作者
刘庆富
孙传欣
顾研
Liu Qingfu;Sun Chuanxin;Gu Yan(School of Economics,Fudan University,Shanghai 200433,China)
出处
《复旦学报（社会科学版）》
CSSCI
北大核心
2019年第5期148-158,共11页
Fudan Journal（Social Sciences）
基金
上海经济与金融研究院招标项目“上海金融科技的发展路径及其风险防控机制”(项目批准号:SIIFE201806)
上海市浦江人才计划“基于高阶矩的期货投资组合策略研究”(项目批准号:17PJC009)的阶段性成果
