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多元金融行业深度研究：多因素驱动金融科技步入正向发展阶段-20230815-国联证券

金融科技是技术驱动的金融创新，其发展的核心目的在于金融的提质增效、科技是赋能手段。当前在政策鼓励、技术和需求等要素驱动金融机构进行数字化转型下，金融科技行业规模和盈利水平不断提升。未来随着金融行业IT投入持续增加以及新技术变革推动金融新业态持续丰富下，金融科技行业前景可期。》监管对金融科技行业的态度已由整改转向常态化监管在金融科技行业发展前期由于粗放经营导致相关问题和风险暴露，在监管部门的纠偏

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