摘要
面向金融稳定理事会2018年发布的29家全球系统重要性银行,从研发、推广、应用、投入、影响、基础、风控7个方面构建基于层次分析法的金融科技指数,对全球系统重要性银行的金融科技能力进行微观评估,比较并分析各银行、各国、各地区金融科技发展情况。研究发现,亚洲、北美地区银行金融科技指数排名总体领先,各项金融科技能力一级指标排名领先的银行也以亚洲、北美地区居多。总结金融科技指数排名领先银行和地区的特点,得出以下启示:加强对金融科技的政策引导;加大对金融科技的投入力度;提升对金融科技的研发、应用、推广能力;加强对金融科技的市场培育和客户教育。
Facing the 29 Global Systemically Important Banks(G-SIBs)released by the Financial Stability Board(FSB)in 2018,the G-SIBs FinTech index was constructed from seven aspects,i.e.,R&D,market promotion,application,investment,influence,foundation and risk control by using AHP method.This paper had a micro evaluation on their FinTech capacity,compared and analyzed the FinTech development of various banks,countries and different regions based on the proposed systematic and hierarchical FinTech index system.It is found that the FinTech index of Asia and North America are generally leading,so is the first-class indicator of their FinTech capacities.Concluding the features of the banks and regions which are leading in the FinTech index,the implications are drawn as follows:China government and regulators should strengthen the guidance and increase the investment in FinTech field;banks and other financial institutions in China should also enhance the ability of R&D,application and market promotion;and cultivation of the FinTech market and customers should be enhanced.
作者
林胜
闫晗
边鹏
Lin Sheng;Yan Han;Bian Peng(International Institute of CCB,Beijing 100032,China;Guangzhou Digital Finance R&D Business Group of CCB Fintech,Guangzhou 510045,Guangdong,China)
出处
《金融发展研究》
北大核心
2020年第1期20-29,共10页
Journal Of Financial Development Research
关键词
全球系统重要性银行
金融科技指数
层次分析法
评估
global systemically important banks
FinTech index
analytic hierarchy process
evaluation
