2021中国金融科技企业首席洞察报告
来源：中国互联网金融协会金融科技以人工智能、大数据、云计算、区块链等新一代信息技术为关键驱动力，助推数字化时代金融行业创新和变革发展，已全面覆盖营销、风控、授信、投顾、客服等主要金融业务流程，催生了移动支付、数字信贷、网络保险、数字理财等一系列新型金融业务模式，给金融产业链、供应链和价值链带来了深刻影响。近日，由中国互联网金融协会金融科技发展与研究专委会、毕马威中国共同撰写的《2021中国金融科技企业首席洞察报告》正式对外发布。该报告基于全国范围内超过200位金融科技企业首席执行官、创始人或金融科技业务负责人的问卷调查数据，聚焦金融科技企业发展特点、未来趋势和对策建议，以期为完善中国金融科技行业政策与监管、促进金融科技高质量发展提供第一手调研资料和研究参考。当前金融科技发展的十大特点：一是金融科技企业对行业未来发展充满信心。二是银行业数字化转型走在前列，资管业和保险业步伐加快。三是金融机构与金融科技企业合作日趋紧密。四是金融科技领域投融资活动持续活跃。五是产品质量、技术水平、创新程度是金融科技企业三大核心竞争力。六是大数据、人工智能、云计算为当前主要应用的核心技术。七是金融科技企业研发费用占比仍有较大上升空间。八是金融科技专利申请量和科技人才占比明显提高。九是企业参与各类标准制定的积极性较高，但国际标准参与程度仍待提升。十是缺乏复合型金融科技人才是当前金融科技企业面临的重要挑战。金融科技发展的十大趋势：一是金融科技产业布局更加优化，重点区域与城市的集聚引领效应更加明显。二是以ABCD为代表的核心技术应用持续深化，隐私计算关注度快速提升。三是妥善解决数据安全和数据质量痛点成为金融科技高质量发展的重要前提。四是深耕技术是企业发展策略的重心，加大研发和人员投入是关键着力点。五是完善农村金融基础设施成为金融科技助力乡村振兴的重要切入点。六是促进金融科技与绿色金融深度融合需场景、标准、人才、政策协同发力。七是金融科技助力养老金融和养老产业转型升级方面具有广阔应用前景。八是金融科技创新监管工具和监管科技应用成效彰显，行业自律日益重要。九是金融科技领域消费者保护措施进一步呈现多元化、综合化特征。十是加快推动金融科技伦理治理体系建设渐成业界共识。此外，该报告还结合金融科技发展现状与未来趋势，提出以下几个方面的对策建议：一是与时俱进地优化完善金融科技发展顶层规划。二是持续加强金融科技监管规则和工具体系建设。三是坚持强化金融科技创新应用的惠民利企导向。四是着力形成有国际竞争力的金融科技产业集群。五是健全开放、共赢、平衡的金融科技生态体系。六是继续发挥行业协会引导行业规范发展的作用。具体内容如下http://www.cbdio.com/image/attachement/jpeg/site2/20210726/f428531580cd2268caf844.JPEGhttp://www.cbdio.com/image/attachement/jpeg/site2/20210726/f428531580cd2268caf845.JPEGhttp://www.cbdio.com/image/attachement/jpeg/site2/20210726/f428531580cd2268caf946.JPEGhttp://www.cbdio.com/image/attachement/jpeg/site2/20210726/f428531580cd2268caf947.JPEGhttp://www.cbdio.com/image/attachement/jpeg/site2/20210726/f428531580cd2268caf948.JPEGhttp://www.cbdio.com/image/attachement/jpeg/site2/20210726/f428531580cd2268cafa49.JPEGhttp://www.cbdio.com/image/attachement/jpeg/site2/20210726/f428531580cd2268cafa4a.JPEGhttp://www.cbdio.com/image/attachement/jpeg/site2/20210726/f428531580cd2268cafa4b.JPEGhttp://www.cbdio.com/image/attachement/jpeg/site2/20210726/f428531580cd2268cafa4c.JPEGhttp://www.cbdio.com/image/attachement/jpeg/site2/20210726/f428531580cd2268cafb4d.JPEGhttp://www.cbdio.com/image/attachement/jpeg/site2/20210726/f428531580cd2268cafb4e.JPEGhttp://www.cbdio.com/image/attachement/jpeg/site2/20210726/f428531580cd2268cafb4f.JPEGhttp://www.cbdio.com/image/attachement/jpeg/site2/20210726/f428531580cd2268cafb50.JPEGhttp://www.cbdio.com/image/attachement/jpeg/site2/20210726/f428531580cd2268cafc51.JPEGhttp://www.cbdio.com/image/attachement/jpeg/site2/20210726/f428531580cd2268cafc52.JPEGhttp://www.cbdio.com/image/attachement/jpeg/site2/20210726/f428531580cd2268cafc53.JPEGhttp://www.cbdio.com/image/attachement/jpeg/site2/20210726/f428531580cd2268cafd54.JPEGhttp://www.cbdio.com/image/attachement/jpeg/site2/20210726/f428531580cd2268cafd55.JPEGhttp://www.cbdio.com/image/attachement/jpeg/site2/20210726/f428531580cd2268cafd56.JPEGhttp://www.cbdio.com/image/attachement/jpeg/site2/20210726/f428531580cd2268cafd57.JPEGhttp://www.cbdio.com/image/attachement/jpeg/site2/20210726/f428531580cd2268cafe58.JPEGhttp://www.cbdio.com/image/attachement/jpeg/site2/20210726/f428531580cd2268cafe59.JPEGhttp://www.cbdio.com/image/attachement/jpeg/site2/20210726/f428531580cd2268cafe5a.JPEGhttp://www.cbdio.com/image/attachement/jpeg/site2/20210726/f428531580cd2268caff5b.JPEGhttp://www.cbdio.com/image/attachement/jpeg/site2/20210726/f428531580cd2268caff5c.JPEGhttp://www.cbdio.com/image/attachement/jpeg/site2/20210726/f428531580cd2268caff5d.JPEGhttp://www.cbdio.com/image/attachement/jpeg/site2/20210726/f428531580cd2268caff5e.JPEGhttp://www.cbdio.com/image/attachement/jpeg/site2/20210726/f428531580cd2268cb005f.JPEGhttp://www.cbdio.com/image/attachement/jpeg/site2/20210726/f428531580cd2268cb0060.JPEGhttp://www.cbdio.com/image/attachement/jpeg/site2/20210726/f428531580cd2268cb0061.JPEGhttp://www.cbdio.com/image/attachement/jpeg/site2/20210726/f428531580cd2268cb0162.JPEGhttp://www.cbdio.com/image/attachement/jpeg/site2/20210726/f428531580cd2268cb0163.JPEGhttp://www.cbdio.com/image/attachement/jpeg/site2/20210726/f428531580cd2268cb0100.JPEGhttp://www.cbdio.com/image/attachement/jpeg/site2/20210726/f428531580cd2268cb0101.JPEGhttp://www.cbdio.com/image/attachement/jpeg/site2/20210726/f428531580cd2268cb0202.JPEGhttp://www.cbdio.com/image/attachement/jpeg/site2/20210726/f428531580cd2268cb0203.JPEGhttp://www.cbdio.com/image/attachement/jpeg/site2/20210726/f428531580cd2268cb0204.JPEGhttp://www.cbdio.com/image/attachement/jpeg/site2/20210726/f428531580cd2268cb0205.JPEGhttp://www.cbdio.com/image/attachement/jpeg/site2/20210726/f428531580cd2268cb0306.JPEGhttp://www.cbdio.com/image/attachement/jpeg/site2/20210726/f428531580cd2268cb0307.JPEGhttp://www.cbdio.com/image/attachement/jpeg/site2/20210726/f428531580cd2268cb0308.JPEGhttp://www.cbdio.com/image/attachement/jpeg/site2/20210726/f428531580cd2268cb0409.JPEGhttp://www.cbdio.com/image/attachement/jpeg/site2/20210726/f428531580cd2268cb040a.JPEGhttp://www.cbdio.com/image/attachement/jpeg/site2/20210726/f428531580cd2268cb040b.JPEGhttp://www.cbdio.com/image/attachement/jpeg/site2/20210726/f428531580cd2268cb040c.JPEGhttp://www.cbdio.com/ima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