摘要
近年来,金融与科技的融合程度不断加深。与实践和政策层面的蓬勃发展相比,关于金融科技的理论研究则相对滞后。本文采取“三分法”对金融科技的含义进行了新的解释。在此基础上,本文回顾了金融科技的演进历史并分析了其背后的驱动因素,同时讨论了金融与科技融合在中国的特殊背景。最后,本文分析了不同情形下金融科技所具有的风险特征,并给出了相应的政策建议。
In recent years,the integration of finance and technology has been deepened.Compared with the rapid progress in practice and policy area,theoretical research on Fintech is relatively lagging behind.In this article,we define Fintech based on a“Three Division Method”.On this basis,this article reviews the evolutionary history of Fintech and analyzes its driving factors,while discussing the special background for Fintech development in China.Lastly,the article analyzes the risks of Fintech in different situations,and discusses its policy implications.This research has certain theoretical and practical value for accurately understanding the definition,determinants and risks of Fintech.
出处
《国际经济评论》
CSSCI
北大核心
2020年第3期91-106,6,共17页
International Economic Review
基金
国家社会科学基金项目(项目编号:18BJY250)
国家社会科学基金重大项目(项目编号:19ZDA101)的阶段性研究成果。
