金融科技创新对金融服务的影响研究ResearchontheInfluenceofFinancialScienceandTechnologyInnovationonFinancialServices摘要伴随高新科技的发展，国外的金融科技创新已经发展得如火如荼，得益于技术创新的推动，国内的金融科技创新也在近几年成为了中国金融行业发展的重要关注点，中国的金融市场具有着较大的经济体量，加之市场上大额资本和舆论追捧效应，在消费升级和经济转型的影响下，目前金融服务系统开始被金融科技创新所影响，全新的金融发展格局开始被创建。本文从金融科技创新理论概念出发，首先分析了金融创新的内涵与特征，接着对金融科技巨头冲击的金融服务的细微领域进行详细研究，之后将招商银行当做案例叙述在金融科技创发展环境中新产品和新服务的效果，在研究金融创新如何引导金融服务的转型与升级，为中国金融行业的发展创新提供建议参考。关键词：金融科技金融创新金融服务ResearchontheInfluenceofFinancialScienceandTechnologyInnovationonFinancialServicesAbstractFinancialandtechnologicalinnovationswereimprovedsharplyinforeignnations,inadditiondomesticdevelopmenthasbecomeahotpointinChina'sfinancialindustry.Popularizationofpublicopinion,accesstocapital,andahugedomesticeconomyinthemassmarketaredrivenbyconsumerupgradingandeconomicrestructuring.Financialandtechnologicalinnovationissubvertingtheexistingfinancialservicesystemandreshapingthenewfinancialecology.Startingfromtheconnotationandcharacteristicsoffinancialinnovation,thisarticleexplorestheimpactoffinancialtechnologygiantssuchasBATonmajorsegmentsoffinancialservices,andthenusesnewexamplesofproductsandservicesunderthereformoffinancialtechnologysuchasChinaMerchantsBank,andthendiscussesfinancialscienceandtechnologytofinance.The“disruptiveinnovations”broughtbyservices,howtoguidethetransformationandupgradingoffinancialservices,andthepathofchangesinthecurrentfinancialserviceslandscapeduetothedevelopmentoffinancialscienceandtechnologyprovidesuggestionsforthefuturedevelopmentofChina’sfinancialtechnologycompaniesandfinancialinstitutions.Keywords:financeandtechnologyfinancialinnovationfinancialservice目录摘要............................................................................................................................................IAbstract............................................................................................................................................II1前言........................................................................................................................................11.1本研究的目的与意义..........................................................................................11.2国内外研究文献综述..........................................................................................11.3本研究的主要内容...............................................................................................22金融科技创新概述...............................................................................................................22.1金融创新的内涵与特征......................................................................................22.1.1金融创新的内涵......................................................................................22.1.2金融创新的特征......................................................................................32.2金融创新的发展背景..........................................................................................33金融创新的发展现状..........................................
