金融科技创新对金融服务的影响研究.pdfVIP

东北农业大学学士学位论文 　　　　　　　　　　学号： 金融科技创新对金融服务的影响研究 Research on the Influence of Financial Science and Technology Innovation on Financial Services 学生姓名：王宁 指导教师：胡畔 所在院系：国际文化教育学院 所学专业：金融学 研究方向：金融科技创新 东 北 农 业 大 学 中国 ·哈尔滨 2018 年 5 月 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 Research on the Influence of Financial Science and Technology Innovation on Financial Services Abstract Financial and technological innovations were improved sharply in foreign nations, in addition domestic development has become a hot point in Chinas financial industry. Popularization of public opinion, access to capital, and a huge domestic economy in the mass market are driven by consumer upgrading and economic restructuring. Financial and technological innovation is subverting the existing financial service system and reshaping the new financial ecology. Starting from the connotation and characteristics of financial innovation, this article explores the impact of financial technology giants such as BAT on major segments of financial services, and then uses new examples of products and services under the reform of financial technology such as China Merchants Bank, and then discusses financial science and technology to finance. The “disruptive innovations” brought by services, how to guide th