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经济金融网 中国经济学教育科研网 中国经济学年会 EFN通讯社

高盛-中国金融科技的崛起

Regulatory changes and new technologies are re-shaping China’s banking activities. The pace and magnitude of the development is vastly different versus the rest of the world. A group of hybrid tech/finance companies, such as Ant Financial, Tencent, JD and Ping An have emerged at the heart of China’s financial industry, making financial services more convenient and accessible for consumers. This has resulted in China leapfrogging from a world where consumers largely relied on cash, to cashless or even cardless transactions, paying, borrowing and investing, all through their smartphones. We expect the changes to continue over the next 5-10 years, with new entrants emerging and new profit pools being created. Within this report – our first in a series – we lay out addressable markets with large untapped consumer demand, then explain three key shaping trends that investors need to understand about the China Fin-Tech space before looking at individual business lines, such as the high integration, evolving regulations and internationalization. Lastly, we focus on third-party payment, an area with the most innovations so far, through ‘real-world’ cases and a deep dive into business models. In our view, payment is a crucial gateway to most other services, and where the innovators have gained the strongest footholds in China.

 

下载链接:http://www.efnchina.com/uploadfile/2017/0829/20170829102816359.doc

 

 

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