互联网金融对传统金融的改变与不变

金融危机以来，金融与科技的融合成为全球经济发展的一股新潮流和趋势，成为政、商、学界关注的热点话题。新加坡从资金支持、搭建创业加速平台、推行监管沙盒等方面推出了打造FinTech生态系统的组合拳，旨在改造现有金融体系、建设FinTech枢纽中心，立志成为世界智慧科技大国和智慧金融中心。中国互联网金融目前总体上还处于FinTech1.0阶段，呈现一种“快、偏、乱”的现象，亟需转型与升级。因此，我们不仅要充分意识到FinTech产业发展的必要性和紧迫性，厘清互联网金融与FinTech的关系，而且要学习和借鉴新加坡的先进做法和思路，成立专门的管理机构，确定明晰的发展目标，提供资金支持，推行“监管沙盒”，调动国内和国际市场资源，发挥政府、市场和企业的作用，全方位地打造FinTech生态体系。

Singapore's FinTech Ecological System Construction and Its Enlightenment

Since the financial crisis, the integration of finance and technology has become a new trend in global economic development, and become a hot issue in the political, business, and academic attention. Singapore government maps out a strategy and introduces a series of policies to build FinTech ecosystem, such as financial support, establishing FinTech SUB, and implementing regulatory sandbox. Thus, Singapore will transform the existing financial system, construct the FinTech hub, and become an intelligent country of S&T and intelligent financial center. However, Internet finance in China is still at the stage of FinTech1.0 currently, which appears to be fast, slant, and disordered. So it is urgent to be transformed and upgraded. Meanwhile, we should not only be fully aware of the necessity and urgency of FinTech ecosystem development, clarify the relation between Internet financial and FinTech, but also we should learn from Singapore's advanced experience to develop the FinTech ecosystem in all aspects, for example, setting up specialized management institutions, determining specific development goals, providing financial support, promoting