本文是对金融科技（FinTech）发展情况的介绍，包括金融科技基本概念、金融科技行业概述、国内外金融科技发展回顾、金融科技未来发展趋势及建议等四个部分。本文首先对金融科技的定义进行说明，并将金融科技与互联网金融的概念进行对比区分。之后是对金融科技发展阶段、技术手段、应用领域的介绍，对人工智能、大数据分析等技术基础做了详细解释，在技术为底层支撑的条件下，对智能投顾、保险科技等应用范畴做了现状解析。在对国外金融科技发展情况进行回顾时，选取了美国、英国、新加坡三国为代表；而对于国内，则重点介绍了几家巨头的金融科技布局情况。
This chapter introduces the development situation of financial technology （FinTech）， including four parts： the basic concepts， the main condition of financial technology industry， the overview of domestic and foreign financial review of technological development， the future trends of financial technology development and suggestions to financial technology development.This chapter first explains the definition of financial technology， and compares the concepts of financial technology with Internet finance.Then introduces the financial technology development stage， technology and applications， do a detailed explanation on the basis of artificial intelligence and big data analysis techniques.Under the condition of technology is the bottom support， then explains and analysis the application range of intelligent investment consulting and insurance technology.In the review of the development of foreign financial technology， the United States， Britain and Singapore were chosen as the representatives， while the domestic financial science and technology layout of several giant enterprises was highlighted.
