《金融科技》郝晋辉著|(epub+azw3+mobi+pdf)电子书下载

图书名称：《金融科技》

【作　者】郝晋辉著

【丛书名】新锐经管学术系列

【页 数】 271

【出版社】 厦门：厦门大学出版社 , 2020.05

【ISBN号】978-7-5615-5751-8

【分 类】金融-科学技术-研究

【参考文献】 郝晋辉著. 金融科技. 厦门：厦门大学出版社, 2020.05.

图书封面：

图书目录：

《金融科技》内容提要：

金融科技是一种商业模式的革新，利用金融和科技的生成融合，对来自各个方面的大数据进行挖掘画像，对资产属性进行数字化，然后再进行高效精准的定价，最终实现资源的优化配置。本书主要介绍目前金融科技的典型应用场景，包括智能性的供应链金融、智能机器人分析、数字货币、跨境支付等。

《金融科技》内容试读

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The First Part

Introduction

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金融科技/Financial Technology

Chapter 1 Finance and Technology

1.1 History

In 1946,the world's first electronic computer ENIAC(electronicnumerical integrat and computer)was born in the United States.Infor-mation technology(IT)was gradually applied in science and other fields.

People in the financial industry realized that the ever-changing informa-tion technology is the only way to improve the efficiency of the entire fi-nancial system,connecting the financial industry with a long historywith emerging information technology.Before the application of infor-mation technology,the operation of the financial system greatly de-pends on human labor.With the progress of society,the rapid develop-ment of the social economy has generated huge capital flows,and thedemand for payment settlement and stock transaction has forced the fi-nancial industry to improve the efficiency of background business pro-cessing as soon as possible.Since the end of World War II,the worldhas entered a large-scale process of rapid recovery.On the one hand,the quality and circulation of goods have undergone profound changes.

On the other hand,the rapid development of science and technology haspromoted the improvement of post-war production efficiency,makingthe scale of national and multinational trade develop rapidly,along withincreasing scale of commodity and currency flows.

In 1950,the Stanford Research Institute in the United States dem-onstrated an electronic accounting system which can read cheque infor-

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Chapter 1 Finance and Technology

mation and process it.ERMA(electronic recording machine-accounting)is designed by Bank of America.Due to the high cost,the problem ofinformation transmission from checks to pierced cards was difficult tosolve,so that ERMA has not yet been practically applicable.Neverthe-less,ERMA pioneered the use of computers to replace manual checkprocessing.We call it the "financial back-office business electronization"period in which a series of application software was most on improvingthe background update accounts,accounting systems and printing state-

ments.

In 1970,with the help of electronic computers,communicationlines,and disk media,the banking industry's operating efficiency wasdoubled.Computers mainly play the role of accelerators in banks.Themain purpose of banks using computers is to improve the efficiency ofbank bookkeeping and reduce operating costs.Commercial banks in the

United States not only successively introduced electronic computers,but also developed a series of application software on their own to simu-late manual paper and cheque calculations.

In 1980,the process of economic globalization began,the bankbusiness behind the scene became highly electronic,and the financial in-dustry still coundn't meet the ever-growing financial needs.Increasingcustomer traffic means multiple people queuing,who are just to handlea small amount of small deposits or withdrawals,or to check accountbalances.Bank staff are tired of the homogeneous needs of a large num-ber of customers,and sometimes inevitably delays,which,to some ex-tent,results in the loss of customers.But through the expansion ofbranches,the personnel are increased to reduce the number of queuingpersonnel,and the cost of customers is too high.So bankers began toprovide self-service banking services in order to relieve the pressure ofbanking outlets.

New financial products such as POS (point of sale),electronic

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金融科技/Financial Technology

funds transfer,electronic wallet smart cards,transactions based onelectronic data exchange,and automation have appeared one after an-other.A major sign of the development of self-service banking servicesis that major commercial banks have begun to deploy ATMs(automatedteller machines)extensively.In the payment field,banks have also be-gun to try electronically.The existence of huge cash flows needs to bedigested.A large amount of social resource is used for the printing ofbanknotes.The use of electronic storage and circulation and financialfront desk business processing has also greatly saved human resourcesin the financial industry.The need to reduce the number of counter em-ployees in commercial banks is becoming more apparent with the digiti-zation of retail business.

The electronization of financial front desk business has a positiveinfluence on operating cost reduction,and improvement of efficiencyand effectiveness of banks.However,due to the efficiency improvementbrought about by technological upgrade,the first unemployment epi-demic in the banking industry also occurred,angry counter employeesof banks even damaged ATMs.

In 1990,Tim Berners Lee invented the Internet,and informationtechnology entered the Internet era.The strong rise of the Internet im-mediately led to the rapid development of global economy,triggeringglobal business revolution and business revolution,and Internet compa-nies were born one after another.

As the industry introducing the information technology earliest,the financial industry will not miss the Internet,of course.With therapid development of the Internet technology,the financial institutionswith sharp insight begun to actively expand Internet service channelsand move standardized financial services to the Internet.The bankingindustry gradually set up its own online banking.Wells Fargo has star-ted to build online banking since 1992.Now it has the nation's top on-

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Chapter 1 Finance and Technology

line service system.In 2013,it became the bank by highest market val-ue in the world,and has won the favor from many investors including

Buffett.Supposing ATMs achieving self-service banking services 24/7span time,then online banking has evolved the convenience of servicesacross space.People can enjoy banking services anytime and anywherethrough online banking,such as transfers,remittances,and online pay-ment business.

In 1997,China Merchants Bank launched its website,which liftedthe curtain on the development of online banking.The rapid rise of Chi-na UnionPay is a classic example of domestic financial electronicization.

Under the competitive pressure of strong international payment brands,China UnionPay has basically achieved global goals.At present,thetransaction scale of UnionPay cards has reached the third in the world,surpassing international giants such as the US card and the Japanesecard.

As the American social predictor John Naisbitt said in his book

Megatrends,"The shift from money to electronics is as important asthe shift from barter to currency in the past."The first contact betweenthe Internet and finance not only raised the level of financial informati-zation to an unprecedented level,but also laid a solid foundation for therapid advancement of financial technology in the 21st century.

In the 21st century,from the first year of Internet finance to Fintech

2.0,the contact between the traditional financial industry and the informa-tion technology industry has made world-renowned achievements.The ad-vancement of information technology has enhanced the business processingcapabilities of financial institutions,but emerging Internet technology com-panies should make a foray into the financial industry across borders,whichquickly disrupted financial industry.

Case study:Yu'E Bao's success lies in its creative grafting of In-ternet technology with the long pent-up people's small-amount financial

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金融科技/Financial Technology

management needs anytime and anywhere,making Internet financialwave in its wake sweep across China.Internet finance mainly refers tothe innovation of financial service methods with Internet connection asthe main feature under the conditions of the Internet and mobile Inter-net technology.Therefore,Internet finance is,in essence,financial in-novation driven by Internet technology.In recent years,with the rapidadvancement of science and technology,emerging technologies such asbig data,blockchain,and artificial intelligence have been increasinglyapplied in various segments of the financial industry,like digital curren-cy,smart credit,Robo-advice,and innovation services.Financial serv-ice methods are constantly emerging,the integration of finance andtechnology is deepening,and Internet finance has entered a new stage.

Yu'E Bao's success also heralds the beginning of the Internet's ap-proach to the core of the modern economy-the financial industry.

Throughout the development history of finacial technology(Fin-tech),it is not difficult to find that the advancement of informationtechnology drives the continuous upgrading and innovation of the finan-cial industry.Not only is the scope of services getting larger and larger,but the service efficiency is getting higher and higher,and the serviceexperience is getting better and better.From a certain point of view,fi-nance and information technology are basically symbiotic,both ofwhose processing objects are numbers.The connection between the twois inevitable.It is no wonder that Silicon Valley's godfather Jeffrey

Muir defines finance in this way:The financial industry is to use com-puter networks as production equipment to continuously store,process,identify and transmit all the information about the promises and permis-sions of wealth,and to synchronize wealth with personal life and busi-ness activities.We have reason to expect that in the future Fintech willbecome increasingly closely integrated,and a new era is dawning.

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