矛与盾——金融科技与监管科技
金融科技是通过现代信息技术，将数据、技术和金融联结起来，并形成新的金融服务、组织和模式。科技与金融行业的全方面深度融合正在对金融消费方式产生着深刻改变，金融监管规则愈发复杂，监管机构要求金融机构提供越来越多的数据，以保证业务合规。监管科技是金融监管的未来，
本书分为两篇，上篇为“矛”，主要围绕金融科技展开讨论。下篇为“盾”，主要围绕监管科技进行分析。上篇章分析了金融科技的内涵及表现形式，包括金融科技的内涵、人工智能在金融领域的应用、区块链在金融领域的应用、云计算在金融领域的应用、云计算在金融领域的应用。第二章阐述了金融科技对传统金融业态的影响，包括金融科技与银行业、证券业和保险业的发展，以及金融科技对金融业的作用与挑战。第三章主要分析大型科技公司对金融业的影响与挑战，包括大型科技公司的特征与兴起和对金融业的机遇与作用，同时还有潜在风险与挑战，以及如何审视对大型科技公司的监管。第四章提出如何看待数字货币的兴起和发展，从数字货币的货币职能与属性多维度看数字货币的发展，以及各国对数字货币的态度。第五章探索如何看待金融消费者权益保护。下篇第六章首先从尽管科技的缘起进行阐述，第七章对监管科技基本理论问题进行探讨与辨析，第八章分析监管科技的国际实践情况，第九章阐述中国监管科技发展与实践情况。
本书具有很强的前瞻性和创新性，在分析的基础上形成多条建议，希望为政策制定者和市场从业者提供创新视角，推动金融科技与监管科技方面进一步发展。
赵大伟,经济学博士,副研究员,现供职于中国人民银行金融研究所。研究领域包括金融科技、监管科技等。曾获中国人民银行2019年、2020年青年课题一等奖,“2017—2018年人民银行金融科技研究课题”一等奖,国家金融与发展实验室金融科技研究中心“2018金融科技青年论文”一等奖。发表学术论文50余篇，主编《科技重塑金融——FinTech 实践与展望》《“链”通未来——区块链原理、实践与案例应用》《智慧金融》《 AI :智能金融时代》等书籍。
袁佳,经济学博士,副研究员,现供职于中国人民根行金融研究所,研究领域包活国际经济金融、金融科技、收入分配等。出版专著1部,在《金融研究》《数量经济与技术经济研究》《财贸经济》《中国金融》等核心期刊发表论文数十篇,多次参与和承担国家极和省部级重大课题项目,并多次获中国人民银行总行重点研究课题一、二等奖。
上篇: 金融创新之 “矛” ——金融科技
章 金融科技的内涵及表现形式 3
节 金融科技的内涵 3
第二节 “A” ——人工智能在金融领域的应用 6
第三节 “B” ——区块链在金融领域的应用 12
第四节 “C” ——云计算在金融领域的应用 18
第五节 “D” ——大数据在金融领域的应用 20
节 金融科技与银行业发展 24
第二节 金融科技与证券业发展 33
第三节 金融科技与保险业发展 38
第四节 金融科技对金融业发展的意义与挑战 41
节 大型科技公司的特征与兴起 47
第二节 大型科技公司对金融业的机遇与作用 51
Shipping Overview:
• Shipping: Standard Domestic Shipping within the United States charges USD 4.99. Standard International Shipping from United Kingdom, Germany and Japan to the United States charges 14.99.
• Order Processing: Please allow 1-2 business days for order processing and preparation before shipment.
• Domestic Shipping: Orders within the U.S. are shipped via USPS or FedEx, depending on the origin of the product. The average transit time is 3-7 business days.
• International Shipping: Currently, we only ship within the USA.
• Tracking Information: Every order is trackable. You will receive a tracking number once your order has been shipped. Products may be shipped from various global fulfillment centers.
Shipping Delays:
Please note that shipping times may vary due to factors beyond our control, such as weather conditions, natural disasters, or peak holiday periods. While we strive to ensure timely delivery, the exact arrival time cannot be guaranteed and is managed by the shipping carrier.
Shipping Options:
-
Standard Delivery: Most orders are shipped within 3-7 business days. Larger items may utilize LTL shipping for safe handling.
-
Handling Time: We handle shipments on business days (Monday - Friday), with a preparation time of 1-2 days.
-
Additional Charges: Some items require additional shipping charges due to their size, weight, or special handling. These charges are specified on the product pages and are not eligible for shipping discounts.
-
Exclusions: Gift cards, packaging, taxes, and prior purchases do not count toward the minimum purchase requirement for free shipping. This offer is valid only for shipments to U.S. addresses, including Puerto Rico.
Delivery Details:
-
Estimates: Standard shipping within the US typically takes 3-7 business days. These are estimates and not guarantees.
-
Shipping Restrictions: We ship to all 50 states, Washington, DC, U.S. territories, and APO/FPO/DPO addresses. Shipping options vary based on the delivery address.
-
Remote Areas: Shipments to remote areas may incur additional charges or require pickup from a nearby shipping partner’s location.
Shipping Confirmation:
You will receive a shipping confirmation email with a tracking number as soon as your order is dispatched. If you do not receive this email immediately, please be assured that your items will arrive within the estimated delivery window provided at checkout.
Order Modifications:
If you need to cancel or modify your order, please contact our customer support immediately.
Issues with Delivery:
If your order shows as delivered but you have not received it, please contact the shipping carrier directly to resolve the issue. For persistent problems, contact our customer service at cs@everymarket.com.
Customer Support:
Our team is available 24/7 to assist you with any questions or concerns regarding your order. We are committed to ensuring a smooth shopping experience.
Return & Refund Policy Overview
Please review our return and refund policies below to ensure a smooth transaction process.
Return Policy
-
Duration: You have 30 days from receiving your item to initiate a return.
-
Condition: Items must be unworn, unwashed, with original tags and packaging intact.
-
Shipping Costs: Customers are responsible for return shipping costs.
-
Packaging: Ensure returned items are well-packaged to avoid damage during transit.
-
Tracking: Use a trackable and insured shipping method as we are not liable for items lost or damaged on return.
-
Initiating a Return: Contact us at cs@everymarket.com to start your return. We will provide a return shipping label and instructions upon approval. Returns without prior approval will not be accepted.
How to Return
-
Method: Returns must be sent back by mail to the address provided in the return instructions.
Return Label
-
Defective Products: Return labels are provided for defective items.
-
Non-Defective Returns: Customers are responsible for obtaining their return shipping label.
Product Conditions for Return
-
Eligible Products: Returns are only accepted for items in new condition.
Nonreturnable Items
Certain items are not eligible for return:
-
Electronic devices after 30 days (e.g., computers, laptops, Kindles)
-
Gift cards, prepaid game cards
-
Perishable goods, live insects, some jewelry, some health and personal care items
-
Customized or personalized products
-
Items with special shipping restrictions
Refund Policy
-
Window: Eligible products may be returned within 30 days of delivery for a refund.
-
Refund Method: Refunds are processed to the original payment method or as store credit for items purchased with gift cards.
-
Processing Time: Refunds are processed within 3-5 business days after we receive the return; please allow additional time for shipping and bank processing.
Claims
Inspect your order upon arrival and report any defects, damages, or incorrect items immediately to allow us to address the issue. For claims, contact our support team with details of the issue.
Exchange Policy
For the quickest service, return your original item and place a new order for the desired product once your return is accepted.
Return Address
EveryMarket Customer Service 2101 E Terra Ln, O'Fallon, MO 63366
Customer Support
Available 24/7 for any questions or assistance needed:
-
Phone: +1 636-312-5925
-
Email: cs@everymarket.com
金融科技是通过现代信息技术，将数据、技术和金融联结起来，并形成新的金融服务、组织和模式。科技与金融行业的全方面深度融合正在对金融消费方式产生着深刻改变，金融监管规则愈发复杂，监管机构要求金融机构提供越来越多的数据，以保证业务合规。监管科技是金融监管的未来，
本书分为两篇，上篇为“矛”，主要围绕金融科技展开讨论。下篇为“盾”，主要围绕监管科技进行分析。上篇章分析了金融科技的内涵及表现形式，包括金融科技的内涵、人工智能在金融领域的应用、区块链在金融领域的应用、云计算在金融领域的应用、云计算在金融领域的应用。第二章阐述了金融科技对传统金融业态的影响，包括金融科技与银行业、证券业和保险业的发展，以及金融科技对金融业的作用与挑战。第三章主要分析大型科技公司对金融业的影响与挑战，包括大型科技公司的特征与兴起和对金融业的机遇与作用，同时还有潜在风险与挑战，以及如何审视对大型科技公司的监管。第四章提出如何看待数字货币的兴起和发展，从数字货币的货币职能与属性多维度看数字货币的发展，以及各国对数字货币的态度。第五章探索如何看待金融消费者权益保护。下篇第六章首先从尽管科技的缘起进行阐述，第七章对监管科技基本理论问题进行探讨与辨析，第八章分析监管科技的国际实践情况，第九章阐述中国监管科技发展与实践情况。
本书具有很强的前瞻性和创新性，在分析的基础上形成多条建议，希望为政策制定者和市场从业者提供创新视角，推动金融科技与监管科技方面进一步发展。
赵大伟,经济学博士,副研究员,现供职于中国人民银行金融研究所。研究领域包括金融科技、监管科技等。曾获中国人民银行2019年、2020年青年课题一等奖,“2017—2018年人民银行金融科技研究课题”一等奖,国家金融与发展实验室金融科技研究中心“2018金融科技青年论文”一等奖。发表学术论文50余篇，主编《科技重塑金融——FinTech 实践与展望》《“链”通未来——区块链原理、实践与案例应用》《智慧金融》《 AI :智能金融时代》等书籍。
袁佳,经济学博士,副研究员,现供职于中国人民根行金融研究所,研究领域包活国际经济金融、金融科技、收入分配等。出版专著1部,在《金融研究》《数量经济与技术经济研究》《财贸经济》《中国金融》等核心期刊发表论文数十篇,多次参与和承担国家极和省部级重大课题项目,并多次获中国人民银行总行重点研究课题一、二等奖。
上篇: 金融创新之 “矛” ——金融科技
章 金融科技的内涵及表现形式 3
节 金融科技的内涵 3
第二节 “A” ——人工智能在金融领域的应用 6
第三节 “B” ——区块链在金融领域的应用 12
第四节 “C” ——云计算在金融领域的应用 18
第五节 “D” ——大数据在金融领域的应用 20
节 金融科技与银行业发展 24
第二节 金融科技与证券业发展 33
第三节 金融科技与保险业发展 38
第四节 金融科技对金融业发展的意义与挑战 41
节 大型科技公司的特征与兴起 47
第二节 大型科技公司对金融业的机遇与作用 51
Shipping Overview:
• Shipping: Standard Domestic Shipping within the United States charges USD 4.99. Standard International Shipping from United Kingdom, Germany and Japan to the United States charges 14.99.
• Order Processing: Please allow 1-2 business days for order processing and preparation before shipment.
• Domestic Shipping: Orders within the U.S. are shipped via USPS or FedEx, depending on the origin of the product. The average transit time is 3-7 business days.
• International Shipping: Currently, we only ship within the USA.
• Tracking Information: Every order is trackable. You will receive a tracking number once your order has been shipped. Products may be shipped from various global fulfillment centers.
Shipping Delays:
Please note that shipping times may vary due to factors beyond our control, such as weather conditions, natural disasters, or peak holiday periods. While we strive to ensure timely delivery, the exact arrival time cannot be guaranteed and is managed by the shipping carrier.
Shipping Options:
-
Standard Delivery: Most orders are shipped within 3-7 business days. Larger items may utilize LTL shipping for safe handling.
-
Handling Time: We handle shipments on business days (Monday - Friday), with a preparation time of 1-2 days.
-
Additional Charges: Some items require additional shipping charges due to their size, weight, or special handling. These charges are specified on the product pages and are not eligible for shipping discounts.
-
Exclusions: Gift cards, packaging, taxes, and prior purchases do not count toward the minimum purchase requirement for free shipping. This offer is valid only for shipments to U.S. addresses, including Puerto Rico.
Delivery Details:
-
Estimates: Standard shipping within the US typically takes 3-7 business days. These are estimates and not guarantees.
-
Shipping Restrictions: We ship to all 50 states, Washington, DC, U.S. territories, and APO/FPO/DPO addresses. Shipping options vary based on the delivery address.
-
Remote Areas: Shipments to remote areas may incur additional charges or require pickup from a nearby shipping partner’s location.
Shipping Confirmation:
You will receive a shipping confirmation email with a tracking number as soon as your order is dispatched. If you do not receive this email immediately, please be assured that your items will arrive within the estimated delivery window provided at checkout.
Order Modifications:
If you need to cancel or modify your order, please contact our customer support immediately.
Issues with Delivery:
If your order shows as delivered but you have not received it, please contact the shipping carrier directly to resolve the issue. For persistent problems, contact our customer service at cs@everymarket.com.
Customer Support:
Our team is available 24/7 to assist you with any questions or concerns regarding your order. We are committed to ensuring a smooth shopping experience.
Return & Refund Policy Overview
Please review our return and refund policies below to ensure a smooth transaction process.
Return Policy
-
Duration: You have 30 days from receiving your item to initiate a return.
-
Condition: Items must be unworn, unwashed, with original tags and packaging intact.
-
Shipping Costs: Customers are responsible for return shipping costs.
-
Packaging: Ensure returned items are well-packaged to avoid damage during transit.
-
Tracking: Use a trackable and insured shipping method as we are not liable for items lost or damaged on return.
-
Initiating a Return: Contact us at cs@everymarket.com to start your return. We will provide a return shipping label and instructions upon approval. Returns without prior approval will not be accepted.
How to Return
-
Method: Returns must be sent back by mail to the address provided in the return instructions.
Return Label
-
Defective Products: Return labels are provided for defective items.
-
Non-Defective Returns: Customers are responsible for obtaining their return shipping label.
Product Conditions for Return
-
Eligible Products: Returns are only accepted for items in new condition.
Nonreturnable Items
Certain items are not eligible for return:
-
Electronic devices after 30 days (e.g., computers, laptops, Kindles)
-
Gift cards, prepaid game cards
-
Perishable goods, live insects, some jewelry, some health and personal care items
-
Customized or personalized products
-
Items with special shipping restrictions
Refund Policy
-
Window: Eligible products may be returned within 30 days of delivery for a refund.
-
Refund Method: Refunds are processed to the original payment method or as store credit for items purchased with gift cards.
-
Processing Time: Refunds are processed within 3-5 business days after we receive the return; please allow additional time for shipping and bank processing.
Claims
Inspect your order upon arrival and report any defects, damages, or incorrect items immediately to allow us to address the issue. For claims, contact our support team with details of the issue.
Exchange Policy
For the quickest service, return your original item and place a new order for the desired product once your return is accepted.
Return Address
EveryMarket Customer Service 2101 E Terra Ln, O'Fallon, MO 63366
Customer Support
Available 24/7 for any questions or assistance needed:
-
Phone: +1 636-312-5925
-
Email: cs@everymarket.com
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