【摘要】 金融科技产业的发展受到诸多因素的影响,通过对现有研究的总结分析,本文认为基本可以归类为行为因素、制度因素和技术因素三个方面。本文通过构建"行为—制度—技术"立方模型,对金融科技产业发展进行研究,立足于数据库WOS,对现有相关文献进行系统分析。本文研究发现,在发表数量快速增长的金融科技文献中,关于行为、制度或技术单一维度因素与金融科技产业联系的研究相对较多,尤其是制度维因素的研究已经成为主要议题,但金融科技产业的政策、法规、规则、公共基础设施等仍然不够完善、不够清晰。本文提出未来研究的三个重要方向:第一,从行为维、制度维或技术因素中,分析双维或三维的交互、融合与金融科技产业的联系;第二,构建金融系统信任机制的模式或途径;第三,分析技术条件与金融科技基础设施的联系。更多还原

【Abstract】 The development of the fintech industry is influenced by many factors,which can be categorized into three aspects:behavioral factors, institutional factors and technological factors. In this paper, we construct a "behavioural-institutionaltechnology" cubic model to study the development of the fintech industry, based on the database WOS, and systematically analyse the existing literature. This paper finds that,among the rapidly growing number of publications on fintech,there are relatively more studies on the linkages between single-dimensional factors such as behavioural,institutional or technological factors and the fintech industry,especially the institutional dimension has become a major topic of study,but the policies,regulations,rules and public infrastructure of the fintech industry are still incomplete and unclear. This paper proposes three important directions for future research: first, to analyse the link between the interaction and integration of two or three dimensions and the fintech industry from the behavioural dimension,institutional dimension or technological factors;second,to construct a model or way of trust mechanism in the financial system;and third,to analyse the link between technological conditions and fintech infrastructure.更多还原