金融科技正驱动金融业向智能化发展，区块链跨境支付、大数据风控、智能投顾等新金融业态层出不穷。与国外技术驱动金融科技发展的模式不同，我国金融科技依靠巨大的市场需求快速发展，缺乏内在创新动力。为促进我国金融科技健康稳定发展，当前应树立“创新驱动发展”的思路，从制度层面支持发展，从立法层面保障运行，从应用层面推动升级，从技术层面防范风险，从监管层面规范秩序，切实补齐我国金融科技发展的短板。
FinTech is driving the financial industry towards intelligentization，blockchain cross-border payment，big data risk management，intelligent investment advisers and other new financial formats emerge.Unlike technology which drives the development of FinTech in foreign countries，the rapid development of China's FinTech relies on huge market demand and lacks internal innovation impetus.To promote the healthy and stable development of China's FinTech，we should establish the idea of “innovation-driven development”，from the system level to support the development，guarantee the operation from the legislative level，promote upgrading from the application level，prevent risk from the technical level，regulate order from the regulatory level，to swallow the weaknesses in the development of FinTech in China.
