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下面为大家整理一篇优秀的paper代写范文- Financial technology and people's livelihood，供大家参考学习，这篇论文讨论了金融科技与民生。近几年来，随着互联网经济的蓬勃发展，金融科技引领下的信息经济产业逐步取代了传统落后的产业结构，各行各业都渗透进了互联网元素。金融科技的发展给我们创造了更多的就业机会，同时解决经济发展带来了环境问题、人力资源结构的问题，也就是说金融科技的发展能够更大程度地促进民生。

In recent years, with the rapid development of the Internet economy, the information economy industry led by fintech has gradually replaced the traditional backward industrial structure, ranging from basic necessities of life to industrial manufacturing and design. Almost all industries have infiltrated the Internet elements.

New economic conditions are pouring into people's lives. People were elated and anxious at the same time. In the face of change, we wonder if continued economic growth will continue. Are resources running out? Will work pressure gradually increase in the future? Can life be better?

Global fintech investments exceeded $20 billion in 2016, and global fintech financing remained strong in 2017. According to statistics, the Internet ranked first among all industries in compound growth rate from 2015 to 2017.

At the same time, the consumption upgrade triggered by the Internet has also led to significant changes in the economic and social industrial structure. New technologies, new industries, new models and new forms of business, represented by network consumption, Internet plus, new energy vehicles, artificial intelligence, big data, cloud computing, Internet of things, have been developing rapidly. In terms of the Chinese market, the contribution of consumption to economic growth has increased by 11% over the past five years, surpassing investment and exports to become the biggest driver of economic growth. China's GDP reached 82712.3 billion yuan for the first time in 2017, and the Chinese economy has become the focus of the world.

What is driving the continued growth of the economy? Today, the total population of the earth is over 7.5 billion, but from the overall point of view, the national standard of living has been increasing. This is due to the development of science and technology today, which is not a simple input of available resources. Social science and technology have become the core elements that continuously drive economic growth.

The 19th CPC national congress 2017 has repeatedly mentioned the Internet, the drive for innovation. Our party and country attach great importance to technological innovation and business transformation, and the emerging economic industries have become a new driving force for China's sustained economic growth.

The rapid development of fintech has had a huge impact on the traditional financial industry, and people worry that technology will replace manpower. People are starting to talk about artificial intelligence replacing programmed work. When talking about economic development, we will think about resource consumption, environmental destruction and ecological pollution.

In this regard, we should fully understand the point made in the 19th report that economic development, technological innovation and livelihood policies are compatible and even mutually reinforcing. There is a saying in the report: promote in-depth integration of the Internet, big data, artificial intelligence and the real economy, foster new growth areas and form new momentum in the areas of medium and high-end consumption, innovation leadership, green and low-carbon, sharing economy, modern supply chain and human capital services.

A closer look around us shows that the development of fintech has actually created more job opportunities for us, while solving the problems of the environment and human resource structure brought by economic development. It is also necessary to rely on technological innovation. In other words, the development of fintech can promote people's livelihood to a greater extent.

Till now, didi chuxing Internet technology company has developed its business covering taxi, private car, express, hitchhike, valet and bus, forming a one-stop travel platform that integrates high-end consumption innovation and leading the organic integration of green and low-carbon.

The emergence of Internet ride-hailing makes full use of vacant seats of a large number of passenger cars and effectively expands the utilization range of resources. At the same time, it realizes the equality of travel, Narrows the gap between having a car and not having a car. People will not be denied the convenience of having a car because they do not have a car. It Narrows the sense of wealth gap between having a car and not having a car.

According to data provided by didi, express and ride-sharing services have accumulated nearly 280 million unused seats. The free ride and ride-sharing service on didi's platform reduced carbon dioxide emissions by 1.44 million tons a year, equivalent to 48 million trees a year. There are 260,000 new energy vehicles on didi's platform, accounting for 20 percent of the country's total.

Meanwhile, didi has solved the employment problem. In 2017, more than 21 million people across the country received income from didi's platform. Through this new technology platform, the broad masses of people have realized various ways of employment, raised their income and brought about social stability, which further promotes economic development.

In addition, didi has gradually accumulated big data in its continuous operation and conducted secondary development. In early 2017, didi chuxing tried out the country's first intelligent signal light system based on floating car track in jinan. During the trial period, traffic delays in the morning and evening rush hours in the daming lake area decreased by 20 percent.

Not only that, didi can also compare the functional and administrative boundaries of a city according to the density of the travel demand in different urban areas of each city. To determine whether the city planning is reasonable. These are all extensive studies full of great potential, which shows the long-term value of fintech big data.

China now has the largest number of mobile phone and Internet users in the world, with 1.39 billion mobile phone users and 800 million Internet users as of September 2017, about three times that of the United States or India. Large user groups form the world's largest mobile payment market. China's third-party mobile payment transactions totaled 32.6 trillion yuan in the fourth quarter of 2017, up 12.8 percent month-on-month.

Through mobile payment, people can achieve online and offline financial consumption behaviors such as bank transfer, account inquiry, financial management, insurance, logistics, airline travel, catering and accommodation. Through these transactions, fintech companies have accumulated big data, and then make use of big data for forecasting and accurate marketing.

For example, business opportunities arise when the cash desk receives information about me going from A to B. When I got out of the platform in B, the big data speculated that I might need a ride or accommodation, so the system sent me the most convenient and affordable information about the departure and hotel, and asked me timely if I would like to place an order. So that's what consumption does.

By analyzing the data of my consumption, big data speculated my consumption demand in the next step and connected the demand one by one. In this way, fintech keeps pace with The Times and changes our life in the process of development.

China's financial assets have doubled to 240 trillion in 2017 from 120 trillion in 2012, a remarkable achievement. However, in the process of economic development and financial innovation, some problems need to be solved, such as frustration of traditional economic industries and frequent occurrence of financial risks.

When Internet ride-hailing first appeared, the interests of the majority of taxi drivers were damaged, hoping the government to protect. If the government had imposed intervention, it would have killed the nascent industries. Rather than simply making decisions, regulators chose to allow experimentation, allowing new technologies to evolve for a while, to see where they were headed and to make choices, which provided a huge space for fintech to experiment. This also becomes our country a valuable economic development practice experience.

In addition, the interest rate marketization process of financial development, financial risk happened frequently, money outfit events of 2017, 2015 e rent the treasure case, 2013 pan-asian case and so on, these are based on the Internet for cover for financial fraud and to collect, involving more than 1000 funds, people loss of millions of savings. In addition, we have learned the hard lessons of the financial crisis in many countries in the past. All of us have warned us that we need to keep to the bottom line of avoiding systemic financial risks so as to ensure sustained economic growth and people's property security.

Based on the essence of financial risks, three measures should be taken to deal with the crisis:

Financial institutions deleveraging, excessive leverage is the source of financial risks.

We will improve the entire financial regulatory system. The innovative development brought by fintech has led to the game between some financial institutions and the supervision, and the money circumvents the supervision. Bypassing regulation would lead to financial risk build-up, and not easy to spot. The chain of funds should be shortened, the flow of funds should be clarified, and penetrating supervision should be adopted to keep financial risks firmly under control.

Widely popularize financial knowledge and resist financial risks from the source. Investors' ignorance about the risks of financial products is actually the source of the accumulation and outbreak of financial risks. We should break the inequality of financial knowledge and let our people establish the correct view of risk and benefit. Our country should realize inclusive finance, and the popularization of financial knowledge is the first priority. We should let financial knowledge take root in people's ideas and start from financial knowledge to primary and secondary schools.

To sum up, China's huge market scale provides vast space for the development of fintech, and the continuously improved products will bring value to society rapidly and benefit the whole world. The building foundation for improving people's livelihood comes from scientific and technological innovation. Therefore, the development of fintech is compatible with improving people's livelihood.

At the same time, we should take safeguarding people's property security and preventing financial risks as the bottom line. While enjoying the convenience brought by fintech, the broad masses of people should be aware of the existence of risks. We should be fully aware of our party's national policies and policies, firmly and calmly adapt to the economic development and move towards a better life!

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