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| Innovation Characteristics, Influencing Factors and Future Trends of New Financial Enterprises |
| PENG Xu-shu |
| Institute of Quantitative and Technical Economics, Chinese Academy of Social Sciences, Beijing, 100732 |
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Abstract The application and spread of new-generation information and communication technology innovation represented by the Internet in financial field has prompted the fission of financial industry and spawned new technology-driven financial activities and new financial models, namely, new finance. New financial enterprises have distinctive innovation characteristics of the time. Compared with traditional financial enterprises or average small and medium-sized enterprises, new financial enterprises pay more attention to innovation investment, and more of them set up innovation research and development institutions. However, most enterprises focus on business model innovation, and open innovation and innovation collaboration are mainly limited to the leaders in the industry. As a result, the overall innovation ability in financial industry is relatively weak, and the level of innovation output is not high. Financial regulation and regulatory policies, the innovation development of digital economy and the application of financial technology will be the major factors affecting the development of new finance. Looking into the future, we anticipate that technology innovation will speed up the specialization of new finance and bring about more diverse business models. The innovation of financial technology and financial application scenarios will be an important support for the development of new finance. The development of new finance will change the competitive ecology of the financial industry and the economic paradigm of financial technology. New finance and traditional finance will be further integrated and advance together.
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Received: 15 February 2019
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2019, Vol. 36 
