金融技术运用多种技术手段，对传统金融业提供的产品和服务进行创新，提高效

Financial technology using a variety of techniques, products and services provided by traditional financial innovation, improve efficiency, reduce operating costs. Financial Technologies has a wide range of applications (Garfinkel and nicolacakis, 2016): the use of technology start-ups at a lower cost of providing existing financial services, and provide new technology-driven solutions; existing financial companies want to acquire or start-up business cooperation, and jointly promote innovation; technology company providing payment instruments. Financial emerging technologies include cutting-edge technology block chain, big data and artificial intelligence (AI), cloud computing.

金融技术运用多种技术手段，对传统金融业提供的产品和服务进行创新，提高效率，有效降低经营成本。金融技术具有广泛的应用范围(Garfinkel和nicolacakis, 2016):初创企业利用技术以较低的成本提供现有的金融服务，并提供新的技术驱动的解决方案;现有金融企业希望收购或与初创企业合作，共同推动创新;科技公司提供支付工具。金融技术包括区块链、大数据、人工智能(AI)、云计算等新兴前沿技术。

Financial technology uses a variety of technical means to innovate products and services provided by the traditional financial industry, improve efficiency and effectively reduce operating costs. Financial technology has a wide range of applications (Garfinkel and nicolacakis, 2016): start-ups use technology to provide existing financial services at a lower cost and provide new technology driven solutions; existing financial enterprises want to acquire or cooperate with start-ups to jointly promote innovation; technology companies provide payment tools. Financial technologies include blockchain, big data, artificial intelligence (AI), cloud computing and other emerging cutting-edge technologies.