First, the core components are different.

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.

Technology and finance is a system composed of government, enterprises, markets, social intermediaries and their behaviors in the process of financing scientific and technological innovation, and it is an important part of the national scientific and technological innovation system and financial system.

Second, it operates in different ways.

Financial technology mainly uses artificial intelligence technology to deal with problems in the financial field, including stock price forecasting, evaluating consumer behavior and willingness to pay, credit scoring, intelligent investment and chat robots, underwriting and claims settlement in the insurance industry, risk management and stress testing, financial supervision and identification monitoring.

There are two traditional channels: technology and finance. One is that government funds set up funds or parent funds to guide private capital to enter technology enterprises, and the other is diversified equity financing channels for technology enterprises. Specifically, it includes government support, technology loans, technology guarantees, equity investment, multi-level capital markets, technology insurance, technology leasing, etc.

Extended data:

Basic components 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. ?

Big data finance focuses on the acquisition, storage, analysis and visualization of financial big data. Generally speaking, financial big data and core technologies include basic bottom layer, data storage and management layer, calculation and processing layer, data analysis and visualization layer.

The data analysis and visualization layer is mainly responsible for simple data analysis, advanced data analysis (with some overlap with artificial intelligence) and visual display of corresponding analysis results. Big data finance is often committed to using Internet technology and information communication technology to explore the research and development of new financial business models such as financing, payment, investment and information intermediary. ?

Artificial intelligence finance mainly uses artificial intelligence technology to deal with financial problems, including stock price forecasting, evaluating consumer behavior and willingness to pay, credit scoring, intelligent investment and chat robots, insurance underwriting and claims settlement, risk management and stress testing, financial supervision and identification monitoring.

Baidu encyclopedia-financial technology

Baidu encyclopedia-technology and finance