Science and technology of Internet finance, finance was experienced in a year of in the past history on the the most severe superintendency, most difficult management situation. Nowadays of financial science and technology " severe winter " whether had gone, "Spring " whether had come?
Director of institute of law of banking of university of central finance and economics Professor Huang Zhen was being accepted a few days ago when interviewing, think, this needs us to be on the concept that hold and combs financial science and technology and the base that expand way, make clear further its and before of the concept such as the finance of science and technology that industry proposes, Internet finance limit with divisional, hold and study its to develop a tendency, gift the morality with financial new science and technology wishs scene.
Quiz:
"Financial science and technology " one word is used extensively by industry now, especially state-owned in 6 big annals 2018, have 130 for many times to allude in all " financial science and technology " , so what is its exact definition?
Huang Zhen:
Financial science and technology is the same as finance of science and technology same, these two words are IT of new generation Internet and the idea that financial photograph is united in wedlock and generate. In last centuries 90 time, the United States had put forward " financial science and technology " namely FinTech, mix by Finance in English the abbreviate composition of Technology.
China offers Internet finance after this entirely reads aloud, as a result of Chinese Internet finance huge market and development foreground stimulated the west that is a delegate with the United States, the one statement of FinTech that its collected the past to be forgotten again (financial science and technology) so that be the same as our native land learning,have a conversation. 2015 end, with " E hires treasure " the fund raising inside a series of Internet finance domains that are a delegate after bilk case erupts, the risk punish of Internet finance sweeps across our country, subsequently and those who come is this one concept begins Internet finance by " opprobrium is changed " , then we begin to use the FinTech that is born at the United States at first gradually, financial science and technology one word is chased after hold in both hands.
British finance stabilizes council (the definition that Financial Stability Board) offers: "The finance that the technology brings innovates, it can create new business pattern, application, flow or product, serve to orgnaization of money market, finance or finance thereby offer means to cause major effect " , its get most student approbate. Financial science and technology is close to quite with Internet finance roughly, as a result of,it is new revolution of science and technology (have person it is Industrial Revolution the 4th times) as shirt-sleeve as financial photograph child, financial science and technology serves as main driving force with the development of burgeoning technology.
Although this entirely studies pure financial science and technology,come from at abroad, but our country native land concept already had financial science and technology " solid " , need not petition to financial science and technology the concept that makes special spirit allows and be made clear is limitted, also need not flatter blindly the viewpoint outside region, because be opposite,the understanding of financial science and technology changes.
Quiz:
What is the main way that financial science and technology develops in our country?
Huang Zhen:
Be opposite of concept of financial science and technology in tracing to the source, can discover the fundamental way that Chinese finance science and technology develops, basically have the following sides.
As a result of,be above all since reforming and opening, "Science and technology is the first productivity " idea gradually thorough popular feeling. At that time already somebody points out finance and union of science and technology can arise " tremendous productivity " , it is an analysis with the union of credit and achievement of science and technology this kind " tremendous productivity " start unripe process. It is a delegate with technology of news news report especially, the acceleration of corresponding infrastructure builds, while our country economy flies, the degree of benefit of general of science and technology also reached unprecedented height.
The industrial banking that is China next is changed and individual gold melted to had been permeated the most rock-bottom, in popularizing each industries, so the union of science and technology and financial both is inevitable. Begin to use these technologies by financial orgnaization one party, we say for finance of science and technology. Enter the great period that Internet develops subsequently, internet and individual union rise, rise with civilian leasehold union especially, we say for Internet finance, science and technology and this kind of tendency that finance unites not only it is inevitable, and return deepening further.
Finally is the problem of Chinese finance oneself, urgent need offers an effective means of settlement. Chinese banking industry because " hold a card " of financial orgnaization " forestall " and arose " financial dissimilation " , " finance is depressive " even " finance is repellent " . The client that the bank is aimed at is extremely finite, cannot satisfy the financial requirement of small small company in making many support of the people. In this kind of supply lopsided circumstance falls, folk is initiative produced folk these forms of leasehold, P2P. And the efficiency that should improve financial industry, a large number of investment of the technology appear very necessary and pressing. Can say, the evolution of financial science and technology and development, spread out gradually from these a few respects namely and thorough.
Quiz:
Current, what characteristic does the development of science and technology of our country finance have? What is the main difficulty that it faces in development?
Huang Zhen:
From inside route of development of financial science and technology, we see its two big characteristics not hard:
It is the spontaneity of development. As Internet and corresponding new technology further progress is rock-bottom technology and permeated an individual, because this is carried in the individual (C is carried) began to appear tripartite pays, P2P net is borrowed and numerous chip wait for new form. Investigator points out " permeability of financial science and technology is the netizen number that shows Internet finance trades and total number than, it adds authority to get by permeability of business of financial science and technology " , specific the data analysis that gave out to quantify. This kind " individual + finance " the development means of type is not those who come from a government to advocate with the program, also be not traditional banking orgnaization wish scene. Be this kind is based on what the initiative force of market supply unbalance drove money market to change.
2 it is the couple that relevant scholar adopts theory and practice, advanced the idea of Internet finance. At the same time the country also offerred guiding opinion to the development of Internet finance. But because lack the system of systematic understanding and corresponding form a complete set to be short of to Internet finance,break, brought about Internet finance to appear a lot of problems. At present the academia points to " financial science and technology " or financial science and technology 3, it is a kind of when interact and appear of the market and government in Bo Yizhi mutual phenomenon lending strength, the expression of this centrally and local level endless and identical. And financial science and technology still lies in Chinese development an iteration is fluctuant in, wait for burgeoning technology in technology of catenary of the intelligent science and technology of new generation, area piece help strength under, financial science and technology can have greater progress.
Financial science and technology is facing a few big problems in developing a process:
It is current financial science and technology how to avoid to weigh skip Internet finance next folk are leasehold in collect money illegally what appear problem. With P2P network leasehold platform is exemple, once these platform have demand, have supply, also have intermediate service business, but be in however " 3 without " condition, do not have admittance doorsill namely, superintend without occupation standard, inorganic compose. Large quantities of P2P that appeared 2018 " explode thunder " phenomenon, had shown the austere sex of this one problem. And the system environment of instantly did not produce essential sex to change, similar problem repeats likely still.
2 it is a government in manner of developing of financial science and technology, and how to adopt appropriate and logical step to avoid " put random, one canal is dead " predicament of be in a dilemma, appear in the problem especially later, governmental institute adopts " athletic style executes the law " and " execute the law optionally " , not only insoluble problem, still may cause a few accidental injury.
3 it is the masses mix not quite adequately still to the acknowledge of financial science and technology meticulous, suffer fully in financial science and technology chase after when holding in both hands, the masses is extremely easy by misdirect. Be hit in financial science and technology when pressing, the masses can undertake accordingly " trample " , namely how is the phenomenon that reason of this kind of blame follows suit controlled effectively.
The 4 finance that are China rule by law and the development of financial system still needs to emphasize and follow a few basic principles of law and demand. For instance law state has a basic principle, it is a law without accredit of proclaimed in writing the government must not is, this also is one of administrative law main demand at the same time. But the government always stems from oneself " big parent creed " , encounter problem intent " monopolize everything " , administrative limits of the government often passes too big, wide, dilemma of this kind of be in a dilemma that faces financial innovation to superintend still needs to solve.
A kind of relatively effective method is should advocate in development of financial science and technology those who superintend is flexible, namely the government does not want a problem to adjust market main body directly, and amortize belt ought to be installed in superintend, go in market main body through conducting policy or standard a few organism, guild, these organizations adopt the industry standard that has formed and autonomic standard when relevant law has not come on stage, those who say for " soft law " processing.
Quiz:
How do you grind the development foreground that sentences financial science and technology?
Huang Zhen:
Although financial science and technology faces a lot of problems, but the wave that financial science and technology is riding revolution of science and technology, multiplying people the desire that yearning happiness lives, its develop a tendency cannot be held back, do not be move with the volition of any individuals and organization. We ought to comply with tendency of the day, strengthen what develop to financial science and technology to grind to sentence and think over ceaselessly, summary gives prospective finance science and technology next adjust and evolve.
The first trend is technical progress. With " good science and technology " for core, continue to strengthen the relevant infrastructure that builds technology of news news report, mix with new generation 5G, artificial intelligence especially the technology that area piece catenary is a delegate. At the same time technical iteration upgrades can accelerate further, its also can produce more effects to the respect such as superintendency policy of finance.
The 2nd trend is the influence that financial science and technology pursues good life to people. It is a center with the user, differ through promoting the experience of the user feeling, contented user the demand of administrative levels helps strength for drawing, promote financial innovation then.
The financial science and technology that the 3rd trend is China has taken the foremost edge of alive bound. In recent years, our country grows continuously in the investment of financial science and technology. The scholar expresses, in spending flag group to report in the research 2017, allude, the proportion that venture capital investment of Chinese finance science and technology held global venture capital investment 2016 relatively rose apparently 2015, and already exceeded the United States become global first place, it may be said " on successor house " . Innovate in relevant finance science and technology kind in enterprise rank, chinese enterprise also be among the best of candidates. The development of science and technology of our country finance will be faced with this shows henceforth the competitive posture inside global limits, and this also will bring more development good luck and challenge to us among them. Predict the constant growth that throws as of all kinds resource, china will be being driven and lead global finance science and technology to develop a respect to produce bigger effect.
The 4th trend is the superintendency of financial science and technology. A such situations present in the meeting below the system that at present our country double finance superintends: Risk safety and standard emphasize more in the center of, the place can seek financial science and technology and the tie that local economy grows, it is with this fiducial do plan and promote development. Beijing, Shanghai, Shenzhen, Hangzhou has become the important place that Chinese finance science and technology develops. Beijing was released in November 2018 " science and technology of Beijing stimulative finance develops a program (2018 - 2022) " , there still can be more local government to make similar development plan in domain of financial science and technology later.
The 5th trend is financial science and technology had spanned now department of Technical Division, finance and even hypostatic economy branch, the connection that expands with learning, society at the same time is even more close.
All previous of the domain such as the market product that the 6th trend is early days of course of financial science and technology drills and compete, the key will turn to financial safety, risk to prevent henceforth accuse, join the field such as compasses management, credit management. Namely financial science and technology is met more and more change of direction of the tiring-room in going to. And below the drive that orgnaization of the finance that hold a card is superintending the requirement such as pressure and index assessment, will begin the exploration inside domain of financial science and technology and collaboration further.
The 7th trend is development of pair of financial science and technology wish scene. After developing occurrence problem because of Internet finance, want to build its morality base afresh. Fall in the banner that proposes general benefit finance at present, also appeared so called " general cheats finance " , bilk element lets a lot of investor and financial consumer principal not have return, this involves what how be on guard to develop new condition to fall in financial science and technology with blow to collect money swindler blame, how to protect the legitimate rights and interests of financial consumer.
What another need pays close attention to is green finance, the country also published such as " the directive opinion that builds green banking system about compose " wait for directive file. The development that finance of our country green points out after the analysis that sums up through document about the scholar exists " explicit obstruction: Policy code is incentive vacancy, financial orgnaization power is insufficient " and " internal resistance: Product system is diseased, form competition ability hard " problem. Also investigator put forward to share the notion such as finance, the positive result that should yield science and technology of Internet finance, finance to develop namely is masses place to share.
What still be worth to be carried at the same time is an ode can financial concept, namely science and technology is endowed with can finance. The development of financial science and technology is for financial orgnaization not just more powerful, also want " ode can " our consumer, user, enterprise and even area, city. Can rebuilding in order to endow with now the morality of financial science and technology wishs scene, this also can be to analyse and did not grind a trend that sentences financial science and technology.
Anyhow, in development of science and technology of finance of current our country, it is to should embrace technical innovation, 2 it is the superintendency policy that should embrace a country. Financial science and technology needs to plan actively, need complies with the big trend of the times, only such ability welcome the development of future of financial science and technology better.
