What is financial technology?
The English translation of financial technology is Fintech, which is the abbreviation of financial technology. It can be simply understood as finance+technology, which refers to the use of various scientific and technological means to innovate the products and services provided by the traditional financial industry, improve efficiency and effectively reduce operating costs.
1. Composition of financial technology
The technologies involved in financial technology have the characteristics of fast update iteration, cross-border and mixed operation, and are the superposition and integration of cutting-edge disruptive technologies such as big data, artificial intelligence and blockchain technology with traditional financial services and scenarios. It mainly includes four core parts: big data finance, artificial intelligence finance, blockchain finance and quantitative finance.
2. The application of financial technology
According to the overall requirements of China's financial development, financial technology is expected to be applied in the following four areas:
(1) Maintaining national financial security; (2) Help China's financial industry "overtake in corners"; ③ Realizing the people's livelihood and inclusiveness; ④ Promote the construction of the "Belt and Road"
3. Core courses of financial technology
Financial technology majors mainly study the introduction of financial technology, automatic data processing technology, internet financial risk management, third-party payment and electronic banking. Let's have a look! Main professional courses: microeconomics, macroeconomics, Python programming, C++ programming, data structure and algorithm, econometrics, finance, modern cryptography, financial science and technology, introduction to financial engineering, corporate finance, big data and finance, financial risk management, software engineering, blockchain technology and application, artificial intelligence principle and application, etc.
How to learn financial technology?
1. Learn financial professional knowledge and choose classic textbooks.
2. Learn calculus well and cultivate basic programming ability.
Financial technology is an interdisciplinary subject, which requires not only a solid theoretical foundation, but also computer tools to process a large amount of data. Therefore, mastering certain mathematical knowledge and programming ability is a necessary condition for us to learn financial technology well.
3. Read more literature and more cutting-edge lectures, which is a way to help you better understand financial theory. As the saying goes, practice makes true knowledge, and linking the real situation with theory through literature and lectures can help you master financial theory more deeply. The following seniors and students who are interested in learning finance well recommend some resource libraries for literature and lectures.
Career prospects
On the one hand, it is related to finance, on the other hand, it is related to the internet field. From the financial point of view, insurance, banks, brokers and funds all need technical support. In addition, Internet companies have also begun to make financial attempts, specializing in financial technology companies and financial technology startups.
Financial technology has different positions according to different directions, such as brokers and funds. Specifically, on the one hand, technical programmers are needed, on the other hand, product managers need to understand finance and tell programmers the functions that need to be realized. Market researchers are also needed to study the future development trend of products. Finally, financial and administrative logistics personnel are needed.
The salary of financial science and technology posts is more competitive, but not explosive.
Domestic financial technology giants