The English translation of financial technology is Fintech, which is the abbreviation of financial technology. It can be simply understood as finance+technology. It 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.
Finance major is a discipline that focuses on the economic activities of money and monetary funds, and specializes in the acquisition, expenditure and management of funds and other financial assets by individuals, institutions and governments. It is different from economics.
The major courses offered in this major are: 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.
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1. What is the major of financial technology?
FinTech is a new concept formed by the integration of finance and technology!
Domestic experts put forward this word around 2004. But it didn't attract everyone's attention at that time.
Later, in 20 12, a new term "internet finance" was put forward by the financial circles in China, and it quickly became popular, because the e-commerce platform companies represented by Alibaba made use of technological advantages to provide financial innovation services, and private lending also began to use technical means to enter the online lending industry and crowdfunding industry.
So in terms of fame, everyone is more familiar with "Internet finance"!
2. What are the differences and connections between Internet finance and financial technology?
Internet finance major is also a financial undergraduate major developed in recent years. 20 17 University of Electronic Science and Technology of China and other six universities were approved to major in Internet finance. By April of 20 19, 46 universities had been approved for this major.
Internet finance mainly studies how to build financial services on the Internet platform, use the Internet or mobile terminal channels to serve customers, and realize any combination and interconnection of financial services at the asset end, transaction end and payment end, which is essentially a reform of traditional financial channels.
The major of financial technology emphasizes the deep integration of finance and technology more than the major of internet finance. This paper mainly studies how to subvert the financial industry, reconstruct the credit environment, collect information, control risks, make investment decisions and provide personalized services with new ways of thinking and new technical means through emerging IT technologies such as big data and artificial intelligence.