摘要

摘要：以大数据、人工智能、云计算、区块链等为代表的新一代信息技术全面渗透到诸多金融细分领域，正在改变和重塑金融业态。稳妥发展金融科技，有利于提升金融服务的质量和效率，筑牢金融安全防线，建立具有高度适应性、竞争力、普惠性的现代金融体系。

《中国金融科技燃指数报告（2022）》由总报告、专题报告构成。总报告主要包含了六个章节。第一章节是2021年金融科技重大政策和事件点评，重点梳理了过去一年金融科技领域的十大政策和十大事件，并做了相应评述。第二章节是燃（FIRE）指数指标体系与指数构建原理，介绍了金融科技燃（FIRE）指数的指标体系，说明了报告的主要数据来源。第三章节是中国金融科技燃（FIRE）指数评价，评价了中国内地13个区域和59个城市金融科技的总体发展，测度了这些区域和城市在要素基础、智力支撑、资源环境和企业实力四个细分维度的发展状况。第四章节是中国金融科技企业发展概况，从区域与技术类型双维度对中国金融科技企业的主要指标展开分析。第五章节是重点区域分析——以粤港澳大湾区为例，评估了该区及区域内各城市金融科技发展状况，在此基础上总结了粤港澳大湾区金融科技行业发展领先的内在动因。第六章节是主要结论、政策建议与未来展望，在总结报告主要结论的基础上，对区域与城市发展金融科技提出了有针对性的政策建议，并对中国未来金融科技的发展进行了展望。

专题报告共有三个，分别为“全球金融科技基础设施研究报告”“中国金融机构数字服务能力评估报告”与“北京市金融科技企业竞争力评价报告”。专题报告一从网络设施、产业基础、创新支撑和制度保障构建金融科技基础设施指标体系，对世界27个主要经济体的金融科技基础设施发展水平进行评估，深入分析中国在金融科技基础设施方面的优势与不足。专题报告二以银行、保险、证券行业数百家金融机构为研究对象，从内容资讯、业务功能、交互响应、服务质量四个维度评估金融机构数字服务水平并探究其增长路径。专题报告三以金融科技企业为对象，评估北京及其16个区金融科技发展总体状况，分析北京金融科技产业存在的问题，在此基础上提出支持北京金融科技产业发展的政策建议。

关键词：金融科技；数字技术；基础设施；数字服务；竞争力评价

Abstract: The new generation of information technology represented by big data,artificial intelligence,cloud computing and blockchain,has fully penetrated into many financial subdivisions,and is changing and reshaping the financial industry.Steady development of FinTech（Financial Technology）is conducive to improving the quality and efficiency of financial services,building a financial security line of defense,and establishing a modern financial system that is highly adaptable,competitive,and inclusive.

The Annual Report on China's FinTech FIRE Index in 2022 consists of a main report and three special reports.The main report mainly contains six chapters.The first chapter is a review of major policies and events in FinTech in 2021,focusing on sorting out the top ten policies and events in the field of FinTech in the past year,and making corresponding comments.The second chapter is about the index system and its principle of construction.It introduces the indicators' system of the FIRE index and explains the main data sources of the report.The third chapter is the main part of China's FinTech FIRE Index,which evaluates the overall development of FinTech in 13 regions and 59 cities in China,and measures the development of these regions and cities in four subdivision dimensions,i.e.Factor,Intelligence,Resources and Enterprises.The fourth chapter is an overview of the development of China's FinTech enterprises,and analyzes its main indicators from the two dimensions of region and technology category.The fifth chapter is the analysis of key regions.Taking the Guangdong-Hong Kong-Macao Greater Bay Area as an example,it evaluates the development of FinTech in the area and cities in the region.On this basis,it summarizes the internal motivations for the leading development of the FinTech industry in the Guangdong-Hong Kong-Macao Greater Bay Area.The sixth chapter is the main conclusions,policy recommendations and prospects.Based on the main conclusions of the report,it puts forward targeted policy recommendations for the development of FinTech in China,and prospects the future development of FinTech in China.

The special reports are divided into three,namely“Report on Global FinTech Infrastructure”,“Report on Digital Service Capability of China's Financial Institutions”and“Evaluation Report on Beijing's FinTech Enterprise Competitiveness”.The first special report establishes a FinTech Infrastructure Index from the perspective of Network Facilities,Industrial Foundation,Innovation Support and Institutional Guarantee,evaluates the development of FinTech Infrastructure in 27 major economies in the world,and deeply analyzes China's strengths and weaknesses in FinTech Infrastructure.The second special report takes hundreds of financial institutions in banking,insurance,and securities as the research object,evaluates the digital service level of financial institutions from four dimensions,namely Content Information,Business Function,Interactive Response,and Service Quality,and explores their growth paths.The third special report focuses on FinTech enterprises,evaluates the overall situation of FinTech development in Beijing and its 16 districts,analyzes the problems existing in Beijing's FinTech industry,and puts forward policy recommendations to support the development of Beijing's FinTech industry.

Key words: Financial Technology;Digital Technology;Infrastructure;Digital Service;Competitiveness Assessment