上海2018年5月(yue)21日電 /美通社/ -- 金(jin)融科技的浪潮正在席卷整個金(jin)融行(xing)業(ye)，影響著產業(ye)格局。人工智(zhi)能(neng)、大數據(ju)等技術在被金(jin)融行(xing)業(ye)應用后，打開了金(jin)融創新的“無限(xian)可能(neng)”。在此背(bei)景下，中國未來的金(jin)融與科技將如何相(xiang)互作(zuo)用、共同發展？

2018年5月19日，由上海交通大學上海高(gao)級金(jin)(jin)融(rong)學院（SAIF/高(gao)金(jin)(jin)）聯合經濟(ji)觀察報共(gong)同舉辦的(de)“SAIF金(jin)(jin)融(rong)論壇·北(bei)京站”在北(bei)京金(jin)(jin)融(rong)街圓滿落下帷幕。來自金(jin)(jin)融(rong)、科技等領(ling)域的(de)眾多(duo)專業人士(shi)參與了本次(ci)活(huo)動(dong)，多(duo)維度探討新的(de)經濟(ji)形勢下Fintech的(de)轉型軌跡，大數據、人工智(zhi)能、區塊鏈等新技術在金(jin)(jin)融(rong)行業的(de)運用(yong)發展以及(ji)監(jian)管層面的(de)推動(dong)作用(yong)。

此次(ci)“SAIF金(jin)(jin)融(rong)(rong)論壇·北(bei)京站”力求通過金(jin)(jin)融(rong)(rong)、科技、監管、企業等方面的(de)探討和解讀，集合多方智慧，找到并總結金(jin)(jin)融(rong)(rong)與科技的(de)未(wei)來發(fa)展(zhan)道路，把握行(xing)業脈搏，為(wei)金(jin)(jin)融(rong)(rong)的(de)發(fa)展(zhan)提(ti)供更多的(de)思(si)考和借鑒，致力為(wei)行(xing)業的(de)發(fa)展(zhan)做出(chu)切實的(de)思(si)考與貢獻，促使科技在促進金(jin)(jin)融(rong)(rong)改革發(fa)展(zhan)中發(fa)揮重要作用。

在嘉賓演講(jiang)環節(jie)，中國銀監(jian)會(hui)原副主席蔡鄂生、京東(dong)金(jin)融(rong)(rong)集團金(jin)融(rong)(rong)科技事業部副總經理(li)徐啟昌、上(shang)海交(jiao)通大學上(shang)海高級金(jin)融(rong)(rong)學院(yuan)金(jin)融(rong)(rong)學教授、執行(xing)院(yuan)長張春，圍繞經濟形勢(shi)、監(jian)管趨勢(shi)，以及金(jin)融(rong)(rong)科技發展講(jiang)述了(le)他們的觀點。

上(shang)海高(gao)級金(jin)融(rong)(rong)(rong)學院金(jin)融(rong)(rong)(rong)學教(jiao)授、執行(xing)(xing)院長(chang)張(zhang)春通過(guo)(guo)解讀(du)國內金(jin)融(rong)(rong)(rong)科(ke)(ke)技(ji)(ji)主(zhu)要(yao)的(de)(de)模(mo)(mo)(mo)式(shi)(shi)(shi)，并和(he)(he)傳統(tong)(tong)金(jin)融(rong)(rong)(rong)進行(xing)(xing)比較、和(he)(he)國外金(jin)融(rong)(rong)(rong)科(ke)(ke)技(ji)(ji)發展(zhan)(zhan)路徑進行(xing)(xing)對比，引出(chu)(chu)金(jin)融(rong)(rong)(rong)科(ke)(ke)技(ji)(ji)在中(zhong)國迅速發展(zhan)(zhan)這個過(guo)(guo)程中(zhong)體現出(chu)(chu)的(de)(de)機遇與挑戰(zhan)。從盈(ying)利模(mo)(mo)(mo)式(shi)(shi)(shi)層面，傳統(tong)(tong)金(jin)融(rong)(rong)(rong)的(de)(de)信(xin)息(xi)(xi)(xi)優勢(shi)，仍然亟待(dai)許多金(jin)融(rong)(rong)(rong)機構(gou)充分穩(wen)妥運(yun)用(yong)；而通過(guo)(guo)多元化的(de)(de)運(yun)作來(lai)對沖風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)、高(gao)杠桿(gan)模(mo)(mo)(mo)式(shi)(shi)(shi)、高(gao)期限錯配的(de)(de)模(mo)(mo)(mo)式(shi)(shi)(shi)，或者借轉投長(chang)的(de)(de)模(mo)(mo)(mo)式(shi)(shi)(shi)的(de)(de)大(da)量運(yun)用(yong)則是(shi)(shi)(shi)造成(cheng)金(jin)融(rong)(rong)(rong)本身不穩(wen)定(ding)的(de)(de)原因。Fintech帶(dai)來(lai)的(de)(de)多重(zhong)盈(ying)利模(mo)(mo)(mo)式(shi)(shi)(shi)和(he)(he)潛(qian)(qian)在盈(ying)利模(mo)(mo)(mo)式(shi)(shi)(shi)中(zhong)，張(zhang)院長(chang)重(zhong)點剖析(xi)了信(xin)息(xi)(xi)(xi)技(ji)(ji)術型模(mo)(mo)(mo)式(shi)(shi)(shi)、基于供應鏈的(de)(de)核心企業模(mo)(mo)(mo)式(shi)(shi)(shi)。他認(ren)為金(jin)融(rong)(rong)(rong)的(de)(de)核心是(shi)(shi)(shi)要(yao)解決信(xin)息(xi)(xi)(xi)不對稱(cheng)，而這兩種模(mo)(mo)(mo)式(shi)(shi)(shi)，可以解決此問題，控(kong)制風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)。隨后(hou)通過(guo)(guo)花(hua)旗銀(yin)行(xing)(xing)合(he)并保險(xian)(xian)(xian)(xian)(xian)公(gong)司繼(ji)而出(chu)(chu)售(shou)保險(xian)(xian)(xian)(xian)(xian)資產的(de)(de)案例解讀(du)了怎樣實現基于信(xin)息(xi)(xi)(xi)優勢(shi)的(de)(de)盈(ying)利模(mo)(mo)(mo)式(shi)(shi)(shi)，在組織和(he)(he)管理(li)上(shang)的(de)(de)一些挑戰(zhan)。張(zhang)院長(chang)總結道(dao)，Fintech公(gong)司利用(yong)現代科(ke)(ke)技(ji)(ji)和(he)(he)大(da)數據(ju)等優勢(shi)減少(shao)信(xin)息(xi)(xi)(xi)不對稱(cheng)性(xing)的(de)(de)模(mo)(mo)(mo)式(shi)(shi)(shi)來(lai)做(zuo)金(jin)融(rong)(rong)(rong)是(shi)(shi)(shi)有(you)巨大(da)潛(qian)(qian)力的(de)(de)，甚至(zhi)在某些領(ling)域(yu)有(you)彎道(dao)超車的(de)(de)潛(qian)(qian)力，監管需(xu)要(yao)持開放的(de)(de)心態。與此同時，需(xu)要(yao)正(zheng)視和(he)(he)識別(bie)其可能帶(dai)來(lai)的(de)(de)系統(tong)(tong)性(xing)風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)、信(xin)息(xi)(xi)(xi)被濫用(yong)風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)、和(he)(he)壟斷風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)。金(jin)融(rong)(rong)(rong)科(ke)(ke)技(ji)(ji)公(gong)司也要(yao)重(zhong)視和(he)(he)解決金(jin)融(rong)(rong)(rong)和(he)(he)科(ke)(ke)技(ji)(ji)的(de)(de)結合(he)可能帶(dai)來(lai)的(de)(de)組織、管理(li)和(he)(he)文(wen)化等方面帶(dai)來(lai)的(de)(de)挑戰(zhan)，要(yao)通過(guo)(guo)組織和(he)(he)管理(li)真(zhen)正(zheng)的(de)(de)創新來(lai)發揮其解決信(xin)息(xi)(xi)(xi)不對稱(cheng)性(xing)的(de)(de)優勢(shi)。

中國(guo)銀(yin)監(jian)會(hui)(hui)原副(fu)主(zhu)席蔡鄂(e)生簡(jian)明扼(e)要且脈絡清(qing)晰(xi)地梳理(li)(li)了改(gai)革(ge)(ge)開放40年來中國(guo)經(jing)濟和(he)金(jin)(jin)(jin)融(rong)發(fa)展軌跡(ji)，解釋不(bu)(bu)同金(jin)(jin)(jin)融(rong)業態(tai)解決的(de)(de)對(dui)應(ying)問題(ti)。通過(guo)歷(li)(li)史的(de)(de)線性規律尋蹤金(jin)(jin)(jin)融(rong)業當下(xia)現狀與(yu)政府監(jian)管策(ce)略的(de)(de)內在(zai)(zai)邏(luo)輯。通過(guo)美國(guo)次(ci)貸危機的(de)(de)教(jiao)訓反觀中國(guo)金(jin)(jin)(jin)融(rong)業改(gai)革(ge)(ge)，思(si)考(kao)金(jin)(jin)(jin)融(rong)的(de)(de)基礎(chu)(chu)與(yu)內核。根據改(gai)革(ge)(ge)的(de)(de)路徑來思(si)考(kao)，科技的(de)(de)超(chao)高(gao)速發(fa)展與(yu)管理(li)(li)水平(ping)(ping)、服務(wu)水平(ping)(ping)、市(shi)場投資和(he)消費者素質的(de)(de)升(sheng)級如(ru)果(guo)不(bu)(bu)匹配，則會(hui)(hui)亂(luan)(luan)想象(xiang)頻出，反之，如(ru)果(guo)均衡(heng)，則亂(luan)(luan)象(xiang)就(jiu)會(hui)(hui)減(jian)少(shao)。中國(guo)金(jin)(jin)(jin)融(rong)行業對(dui)于(yu)新技術(shu)和(he)新概念的(de)(de)落地應(ying)用很快并且廣泛，但容易(yi)因(yin)缺乏深遠思(si)考(kao)而(er)后繼乏力，在(zai)(zai)深度(du)改(gai)革(ge)(ge)和(he)創新中遭遇困難(nan)。拿來主(zhu)義只(zhi)會(hui)(hui)在(zai)(zai)特定歷(li)(li)史時期發(fa)揮(hui)一時效應(ying)，而(er)它(ta)不(bu)(bu)可持續。金(jin)(jin)(jin)融(rong)改(gai)革(ge)(ge)和(he)創新需要一個秩序井(jing)然的(de)(de)公(gong)平(ping)(ping)環境，在(zai)(zai)發(fa)展中國(guo)特色社(she)會(hui)(hui)主(zhu)義市(shi)場經(jing)濟條件下(xia)，使我(wo)(wo)們的(de)(de)金(jin)(jin)(jin)融(rong)服務(wu)理(li)(li)念有一個創新發(fa)展，這樣(yang)才(cai)能使我(wo)(wo)們的(de)(de)改(gai)革(ge)(ge)更好的(de)(de)向(xiang)前邁進。現階(jie)段頂層設(she)計上，已(yi)加強(qiang)了綜(zong)合性和(he)法規的(de)(de)統(tong)一性，使市(shi)場已(yi)經(jing)有一些調(diao)整。怎樣(yang)從金(jin)(jin)(jin)融(rong)內在(zai)(zai)基因(yin)和(he)底層基礎(chu)(chu)角度(du)提高(gao)金(jin)(jin)(jin)融(rong)公(gong)司治理(li)(li)，則是下(xia)一步改(gai)革(ge)(ge)當中要逐步完(wan)善和(he)解決的(de)(de)。

京(jing)(jing)東(dong)(dong)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)科(ke)(ke)(ke)(ke)(ke)技(ji)部副總(zong)經(jing)理徐(xu)(xu)啟(qi)昌(chang)分(fen)享(xiang)道(dao)，京(jing)(jing)東(dong)(dong)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)是業(ye)界較早提(ti)(ti)出(chu)發展(zhan)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)科(ke)(ke)(ke)(ke)(ke)技(ji)的(de)(de)公司(si)，我們認(ren)為(wei)中國不缺(que)一家金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)機(ji)(ji)構(gou)(gou)，缺(que)少的(de)(de)是把自己所有的(de)(de)能力開放出(chu)來(lai)(lai)，為(wei)廣大(da)的(de)(de)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)機(ji)(ji)構(gou)(gou)、非金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)機(ji)(ji)構(gou)(gou)提(ti)(ti)供服(fu)務(wu)的(de)(de)公司(si)。目前，京(jing)(jing)東(dong)(dong)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)定位(wei)為(wei)服(fu)務(wu)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)機(ji)(ji)構(gou)(gou)的(de)(de)科(ke)(ke)(ke)(ke)(ke)技(ji)公司(si)，方能以多元多層次服(fu)務(wu)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)機(ji)(ji)構(gou)(gou)和實體經(jing)濟(ji)，促(cu)使金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)行業(ye)整(zheng)(zheng)體邁進新的(de)(de)時代。京(jing)(jing)東(dong)(dong)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)經(jing)過(guo)一系列金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)產品的(de)(de)研(yan)發和落地(di)歷程中，思考到應該(gai)和金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)機(ji)(ji)構(gou)(gou)形成(cheng)利(li)益共同體，切(qie)實幫助傳統(tong)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)機(ji)(ji)構(gou)(gou)，分(fen)享(xiang)增(zeng)長(chang)成(cheng)果(guo)，降低成(cheng)本、提(ti)(ti)高(gao)效率(lv)、增(zeng)加收入(ru)。京(jing)(jing)東(dong)(dong)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)從場(chang)景(jing)方面(mian)，實現(xian)了對供應鏈、倉儲物流、零售、校園、眾創、農(nong)村農(nong)業(ye)等多場(chang)景(jing)覆(fu)蓋；數據(ju)方面(mian)京(jing)(jing)東(dong)(dong)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)擁有海量(liang)、多類(lei)別、多維度(du)的(de)(de)動態的(de)(de)數據(ju)，未來(lai)(lai)可運用點(dian)十分(fen)廣泛；技(ji)術方面(mian)京(jing)(jing)東(dong)(dong)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)大(da)量(liang)投入(ru)，深度(du)學習和研(yan)究包括區塊(kuai)鏈、人工智能在內的(de)(de)尖端技(ji)術。徐(xu)(xu)啟(qi)昌(chang)通過(guo)幾個(ge)案例將金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)科(ke)(ke)(ke)(ke)(ke)技(ji)切(qie)實解決實際問題的(de)(de)能力完整(zheng)(zheng)生動地(di)呈現(xian)出(chu)來(lai)(lai)，同時也對金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)科(ke)(ke)(ke)(ke)(ke)技(ji)發展(zhan)進行了展(zhan)望(wang)。徐(xu)(xu)啟(qi)昌(chang)認(ren)為(wei)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)科(ke)(ke)(ke)(ke)(ke)技(ji)公司(si)會(hui)進入(ru)加速(su)分(fen)化階段；金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)科(ke)(ke)(ke)(ke)(ke)技(ji)服(fu)務(wu)范式會(hui)有變化，金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)科(ke)(ke)(ke)(ke)(ke)技(ji)會(hui)充當橋梁，彌補傳統(tong)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)無(wu)法(fa)覆(fu)蓋之(zhi)地(di)，擴(kuo)大(da)普惠金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)的(de)(de)能力；隨著金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)科(ke)(ke)(ke)(ke)(ke)技(ji)的(de)(de)影(ying)響領(ling)域遷移擴(kuo)大(da)，金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)(rong)(rong)科(ke)(ke)(ke)(ke)(ke)技(ji)接下來(lai)(lai)的(de)(de)亮點(dian)，將會(hui)在交(jiao)易(yi)銀(yin)行、資產交(jiao)易(yi)這個(ge)領(ling)域出(chu)現(xian)。

在(zai)隨后的(de)圓(yuan)桌討論中，嘉賓(bin)們深入探討，對近兩年來金(jin)融(rong)科技發展趨勢(shi)進行了基本判斷；對于行業內的(de)泡沫(mo)現象進行了反思；研(yan)判被區(qu)塊鏈、AI等技術力量注入的(de)Fintech新形態。經(jing)濟觀察研(yan)究院院長、新金(jin)融(rong)家聯盟秘(mi)書長新望，亞(ya)洲金(jin)融(rong)合作(zuo)協會(hui)秘(mi)書長楊再平，奇點金(jin)服首(shou)席運營官陳啟顯，上海愛鈦商務咨詢(xun)有限公司創始(shi)人、CEO容宇(yu)共同參(can)與了討論。

楊再(zai)平(ping)秘書長認(ren)為，Fintech對(dui)金(jin)融業來(lai)說是具有(you)顛覆性的(de)，它的(de)優勢(shi)已經表(biao)現出來(lai)，突破物(wu)(wu)理(li)、時(shi)空的(de)局限，具有(you)成本優勢(shi)和信息能力。Fintech對(dui)業態的(de)改變可(ke)歸為五個方面：去(qu)物(wu)(wu)理(li)場所、去(qu)現金(jin)、去(qu)物(wu)(wu)理(li)介質、去(qu)人工化、去(qu)中(zhong)心(xin)化。在Fintech帶(dai)來(lai)金(jin)融業務短平(ping)快地發生基礎上，進(jin)一(yi)步治(zhi)理(li)結構、治(zhi)理(li)模式也應創新。Fintech是金(jin)融一(yi)個制高點，只有(you)搶占，才不會(hui)落后(hou)。

張春(chun)院長闡述了處(chu)理風(feng)(feng)險(xian)(xian)(xian)，控制風(feng)(feng)險(xian)(xian)(xian)，防(fang)范(fan)風(feng)(feng)險(xian)(xian)(xian)和創新(xin)之間的(de)關系(xi)，認(ren)為風(feng)(feng)險(xian)(xian)(xian)主要是(shi)防(fang)范(fan)宏觀(guan)的(de)風(feng)(feng)險(xian)(xian)(xian)，創新(xin)主要是(shi)在微(wei)觀(guan)領(ling)域(yu)創新(xin)。宏觀(guan)角(jiao)度是(shi)要防(fang)范(fan)系(xi)統性的(de)風(feng)(feng)險(xian)(xian)(xian)，宏觀(guan)審慎的(de)政策(ce)來監(jian)管，根據金融盈利模式區別監(jian)管，降低風(feng)(feng)險(xian)(xian)(xian)。微(wei)觀(guan)角(jiao)度鼓勵(li)如(ru)利用大數據來降低風(feng)(feng)險(xian)(xian)(xian)，控制信(xin)息不(bu)對(dui)稱性的(de)信(xin)息技術型(xing)模式創新(xin)。

陳啟顯從(cong)從(cong)業(ye)者角度(du)分享了對于監(jian)管趨勢(shi)和(he)金(jin)融(rong)科技的(de)(de)觀察(cha)。他(ta)提(ti)出野蠻生長的(de)(de)互聯網金(jin)融(rong)近(jin)年(nian)來的(de)(de)高(gao)獲(huo)客成本降低流(liu)量(liang)紅利；監(jian)管新規擠壓政策套利空(kong)間(jian)；模式套利層面，未(wei)得到全面成熟進(jin)展。此行(xing)業(ye)現在基本是(shi)存量(liang)的(de)(de)博弈(yi)。金(jin)融(rong)科技而(er)言，科技的(de)(de)價值(zhi)在于提(ti)高(gao)你的(de)(de)運營效率，風控(kong)能力(li)提(ti)升，第三資產端(duan)能做一些自動化的(de)(de)生成。另一個就是(shi)信用的(de)(de)下沉，這是(shi)在金(jin)融(rong)行(xing)業(ye)重(zhong)要(yao)的(de)(de)。

容宇(yu)提到(dao)了金(jin)(jin)融科(ke)(ke)技(ji)(ji)面(mian)臨的(de)(de)一些(xie)挑(tiao)戰。他提出，將科(ke)(ke)技(ji)(ji)與金(jin)(jin)融粗淺(qian)嫁(jia)接(jie)而(er)創造(zao)出很多的(de)(de)偽(wei)需(xu)求是很危險(xian)的(de)(de)一個舉動。從(cong)挑(tiao)戰而(er)言，傳統銀行紛(fen)紛(fen)轉(zhuan)型就是對于互聯網(wang)金(jin)(jin)融機構有力的(de)(de)挑(tiao)戰，大(da)(da)數(shu)據(ju)以(yi)當前來看并(bing)不能在(zai)金(jin)(jin)融風險(xian)刻畫中(zhong)(zhong)起到(dao)同(tong)在(zai)精準營(ying)銷的(de)(de)運用中(zhong)(zhong)起到(dao)的(de)(de)相同(tong)程度(du)的(de)(de)積極(ji)效(xiao)果，而(er)大(da)(da)數(shu)據(ju)運用過程中(zhong)(zhong)還會出現(xian)監管(guan)套利問題。另外(wai)，在(zai)金(jin)(jin)融科(ke)(ke)技(ji)(ji)熱度(du)不減的(de)(de)當下(xia)，大(da)(da)家對科(ke)(ke)技(ji)(ji)的(de)(de)邊界應(ying)有所認知(zhi)。所有的(de)(de)金(jin)(jin)融基礎是來自于實(shi)業(ye)實(shi)體經(jing)濟對資金(jin)(jin)的(de)(de)需(xu)求，要堅持金(jin)(jin)融為本，科(ke)(ke)技(ji)(ji)為用的(de)(de)原則。

本次SAIF金融論壇·北京站，嘉賓通過不同的視角全方位展示了當今新經濟形勢下的Fintech發展過程中遇到的問題，以及可預見的未來，從監管和風控層面解讀如何進一步推進金融科技發展。通過厘清經濟形勢、監管態勢，分析行業案例，從現狀掃描、行業研究，發現風口與痛點，到洞悉行業變局；再到回歸金融與風控本質，以及洞察FinTech新趨勢，用這樣一種點與面的邏輯，串起中國金融科技的概貌拼圖。在行業初興之時，試圖把脈方向與商業先機，且警示風險。鼓勵業界一同努力，積極科技創新，堅守金融本分，更好地利(li)用(yong)Fintech服(fu)務(wu)實體(ti)經濟，推動整體(ti)國民(min)經濟發展(zhan)，共(gong)建(jian)有(you)序，健康，富(fu)有(you)活力的金融生態。