近段时间以来,国内外关于金融科技的讨论非常热烈,无论是发达国家还是发展中国家,无论是金融界还是科技界,都对这一题材很关注,言必谈金融科技。这其中形成一些共识,也出现了噪音、杂音。比如刻意割裂金融和科技的融合关系,忽略金融的本质属性和技术发展的规律,过度炒作尚在发展初期的新兴技术,因此在当前这样一股全社会关注金融科技的热潮中,我觉得金融从业者尤其应该 Recently, discussions on financial science and technology both at home and abroad have been very enthusiastic. Both developed and developing countries, both the financial sector and the scientific community, are very much concerned about this subject. They talk about financial science and technology. This formed some consensus among them, also appeared noise, noise. For example, I deliberately cut off the fusion of finance and technology, neglected the nature of finance and the law of technological development, and over-hyped emerging technologies that are still in their infancy. Therefore, in the current upsurge of paying attention to the financial technology in society as a whole, I think that financial practitioners In particular, it should be