摘要
现代新型信息技术与金融业的深度融合势头方兴未艾,金融科技驱动的金融创新已经并将继续对金融业和传统金融体系产生巨大而深刻的影响,但它在广受褒誉的同时,也出现了不少让人疑惑、诟病的现象。金融科技驱动的金融创新对金融体系究竟会产生什么样的影响,其影响路径和机理如何,特别是它能否更好驱动金融业发展?此类问题已经成为金融科技领域广受学术界关注和讨论的重大问题。本文从金融科技概念的内涵和外延辨析,金融科技驱动金融创新发展的动因、路径和理论机制以及金融科技对金融业的深层次影响与内在机理等方面对相关文献进行了系统梳理。据此,本文展示了金融科技驱动金融创新发展研究的新进展。
The in-depth integration of new information technology and the finance industry has been in the ascendant in recent years.While financial technology has strongly driven the development of financial innovation,there have also been many perplexing phenomena.Based on this,whether financial innovation driven by financial technology can better help the development of the finance industry has attracted considerable attention in academia.This systematic review aims to show the new progress of research on the development of financial innovations driven by financial technology.Specifically,we analyze the connotation and extension of the concept of financial technology,the motivation,path and theoretical mechanism of financial technology on driving financial innovation development,and the deep impact of financial technology on the financial industry and its internal mechanism.On this basis,we put forward possible future research directions.
作者
刘少波
张友泽
梁晋恒
LIU Shaobo;ZHANG Youze;LIANG Jinheng(Jinan University,Guangzhou,China;Guangzhou Huashang College,Guangzhou,China)
出处
《经济学动态》
CSSCI
北大核心
2021年第3期126-144,共19页
Economic Perspectives
基金
国家社会科学基金一般项目(18BJY242)
关键词
金融科技
金融创新
金融发展
FinTech
Financial Innovation
Financial Development
作者简介
刘少波,暨南大学南方高等金融研究院、广州华商学院广东华商金融科技研究院,邮政编码:510632,电子邮箱:tliushb@jnu.edu.cn;张友泽,暨南大学经济学院,邮政编码:510632,电子邮箱:youzer@foxmail.com;梁晋恒,广州华商学院广东华商金融科技研究院,邮政编码:511300,电子邮箱:angeljoe@126.com。
