FinTech对金融业的冲击和风险防范研究
FinTech（金融科技）近年凭借其产品用户体验的良好反馈逐步进入人们视线。它利用智能数据分析、云计算等新兴科技手段对传统金融业革新，实现了很多创新从而简化了以往金融服务的业务流程，甚至改变了人们的生活，如个性化金融服务、网上借贷、智能投顾等创新产品都使得人们离低门槛、高效率的普惠金融更进一步。
本文是FinTech对金融业的冲击和风险防范的研究。一方面FinTech在一定程度上提高了资源配置效率，增强了风控能力，分散了风险集中程度，另一方面也突出了信息科技风险，结合其固有的商业模式涉众范围广，影响大，对金融稳定性造成一定冲击。究其风险，除了金融固有的信用风险、市场风险、流动性风险外，其更突出了利用科技手段带来的操作风险，与此同时，其相比于传统金融出现“黑天鹅”事件的几率也更高。对于FinTech的风险防范，现今已出台相关监管制度，鼓励创新与严格监管二者并行，且监管部门详细分工，各司其职。除了刚性的监管制度，还应加强行业自律与用户风险安全意识，同时配合技术水平的提高。
关键词：FinTech；金融科技；金融稳定性
Abstract
FinTech ( financial technology ) in recent years, through the good feedback of its product user experience, gradually enters people's sight. It uses the intelligent data analysis, cloud computing and other new technology means to the traditional financial innovation, has achieved a lot of innovation to simplify the business process of previous financial services, and even changed people's life, such as personalized financial services, online lending, intelligent financing and other innovative products make people stay away from low threshold and high efficiency.
In this paper, we study FinTech on the impact of the financial sector and risk prevention measures. FinTech on the one hand, to some extent improve the efficiency of resource allocation, enhance the risk ability, spread the degree of risk concentration, on the other hand, the information technology risk, combined with its inherent business model, broad range of stakeholders, impact on financial stability. In addition to the financial inherent credit risk, market risk, liquidity risk, it highlights the operational risk of using scientific and technological means, at the same time, the probability of" black swan" events is higher than traditional finance. For the risk prevention of finTech, the relevant regulatory system, synchronous implementation encourage innovation and strict supervision, and the regulatory department detailed division of labor, to their respective roles. In addition to the rigid regulatory system, the industry self-discipline and user risk safety awareness should be strengthened, and the improvement of the technical level.
Key words： FinTech；Financial technology； Financial stability
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