全球金融科技革命：实践、政策与监管

English | 2024 | ISBN: 019885014X | 305 pages | True PDF | 9.02 MB

Lerong Lu examines the biggest change in modern financial industry - the Fintech (financial technology) revolution - that denotes the close interaction between the financial services industry and latest information technologies such as big data, cloud computing, blockchain, and artificial intelligence. The three areas of banking institutions, online lending marketplaces, and money and payment systems are explored to assess how financial innovations affect the traditional financial industry, what kinds of regulatory challenges arise, and how global policymakers react to such challenges. With in-depth and international case studies on Fintech, including app-based banking services, mobile payments, P2P lending, and cryptocurrencies, the global Fintech hubs in six continents are assessed. The complex, dynamic, and multidimensional Fintech ecosystem is also investigated including its key players (such as regulatory strategy, regulatory sandbox, and RegTech) and Fintech corporations (including financial holding companies, Fintech unicorns, BigTech firms, and Metaverse platforms). Lu highlights the enormous benefits for financial institutions and their consumers and argues that Fintech contributes to a more equal, democratic, inclusive, and sustainable financial system. However, he also considers the risks and multiple legal, ethical, and regulatory challenges for policy-makers and financial authorities that Fintech has posed.

英文|2024|ISBN:019885014X|305页|真PDF |9.02 MB 陆考察了现代金融业最大的变化——金融科技革命，这表明金融服务业与大数据、云计算、区块链和人工智能等最新信息技术之间的密切互动。探讨了银行机构、在线借贷市场以及货币和支付系统这三个领域，以评估金融创新如何影响传统金融业，出现了哪些监管挑战，以及全球政策制定者如何应对这些挑战。通过对金融科技的深入和国际案例研究，包括基于应用程序的银行服务、移动支付、P2P贷款和加密货币，对六大洲的全球金融科技中心进行了评估。还研究了复杂、动态和多维的金融科技生态系统，包括其关键参与者（如监管策略、，

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