金融业是信息通信技术的率先应用者和主要应用者,以信息通信和互联网为代表的信息科技创新在现代金融创新中发挥了重要的推动和支撑作用。由于以规避风险和监管为目的的金融产品创新和金融工具创新成为金融创新的主流,其高风险特征必须发挥金融信息服务的信号导向和引领作用,并通过加强金融科技创新为金融创新风险管理提供科技支撑,使得金融信息服务创新和金融科技创新成为今后一段时期金融创新的重要发展方向。
现代金融是一个信息高度密集型行业,只有现代信息科技的持续创新才能契合并满足金融信息服务的创新需求。无论是传统金融机构面向信息服务转型提升竞争力,还是新兴互联网科技企业促进信息科技创新与金融服务融合发展,都离不开金融科技创新的推动。不仅如此,信息加工过程中的价值增值规律,金融信息服务发展的历史实践,以及当代金融科技创新的发展趋势都表明,金融科技创新将在未来金融信息服务发展和创新中扮演更加重要的角色,发挥更加重要的作用。在此基础上,报告也提出了当前和未来一段时期金融信息服务创新发展的方向和若干重点领域。
<<The information and communication skills first and mainly apply in the financial industry. The information technology innovation on behalf of the information communication and Internet plays a vital role in promoting the modern financial innovation. The financial product and instrument innovation designed for risk averse and avoiding regulations predominates the financial innovation,the high risk of which desires the signal guidance of financial information service. Strengthen the innovation of financial science and technology to provide technological support for the risk management of financial innovation and thus the innovation of financial information service and financial technology innovation will become the predominant developing direction of financial innovation in the future.
Modern finance is an industry of high density of information. Only the steady innovation of modern information technology can satisfy the demand of innovation in financial information service. Whatever the traditionalfinancial institutions to elevate the competitiveness confronted with transformation of information service,or the emerging Internet technology enterprises to promote the integrative development of information technology innovation and financial service,the financial technology serves behind as a driving force. Nonetheless,the law of value-added in the information processing,the historical practices of financial information service and the developing trend of current financial technology innovation all indicate that financial science and technology innovation will play a increasingly vital role in financial information service development and innovation. The report points out the development direction and several key developing fields of financial information service innovation now and later.
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