Fintech and the Future of Finance
Fintech and the Future of Finance
复制标题
金融科技与金融的未来
DOI：
10.18003/ajpa.201710
复制
发表时间：
2017
期刊：
影响因子：
--
通讯作者：
J. Guild
中科院分区：
文献类型：
--
作者：
J. Guild
技术创新在金融行业的应用(金融科技)近年来吸引了数百亿美元的风险投资。金融科技创新的例子包括肯尼亚和印度的数字现金转账服务，以及中国的P2P贷款平台。当这些服务与补充的政府政策和监管框架一起开发时，有可能将金融服务扩大到目前无法获得金融服务的数亿人，并在金融开展方式上开辟新的天地。这一点很重要，因为可持续的经济增长与金融包容性密切相关。成功采用金融科技来提高金融普惠性，高度依赖于称职的监管监督。通过考察金融科技服务在肯尼亚、印度和中国的不同程度的成功，本文认为，采取响应性的监管方法，而不是过度干预的方法，是通过技术创新促进金融普惠的最合适框架。
The application of technological innovations to the finance industry (Fintech) has been attracting tens of billions of dollars in venture capital in recent years. Examples of Fintech innovations include digital cash transfer services in Kenya and India, and peer-to-peer lending platforms in China. These services, when developed in tandem with complementary government policies and regulatory frameworks, have the potential to expand financial services to hundreds of millions of people currently lacking access and to break new ground on the way finance is conducted. This is important because sustainable economic growth is strongly linked with financial inclusion. The successful adoption of Fintech to increase financial inclusion is highly dependent on competent regulatory oversight. By examining varying degrees of success in the adoption of Fintech services in Kenya, India and China this paper argues that adopting a responsive regulatory approach, rather than an overly interventionist one, is the most suitable framework for boosting financial inclusion through technological innovation.