In the past, when it comes to fintech, people mostly associate it with the Internet. Even after the baptism of the Internet finance era, people still regard fintech as an existence dissociated from the real industry.Now, when it comes to fintech, it is more seen as a breakthrough in the fusion of virtual and real, and with it, the Internet giants are finding a new way to merge virtual and real.For fintech, it needs to define itself in such a role and unlock the shackles of Internet finance.In a sense, taking fintech as a breakthrough will not only open a new channel of financial evolution, but also find a new way for Internet players to evolve.Fintech is no longer regarded as a tool to harvest traffic, but as a way and means to open new development, which may be the new function and significance given to fintech.It is foreseeable that when the breakthrough of fintech is opened, the virtual-real integration and digital-real integration that Internet players are exploring will no longer be just a concept, but will truly become an accessible existence.So far, both in terms of the development of fintech and the evolution of the Internet, it will enter a completely new stage of development.
As the scale and efficiency model comes to an end, what we’re seeing is a growing number of players looking for new models.Whether it is industrial Internet or digital economy, almost all are born in such a big background.No matter which mode it is, in the final analysis, it is to change the practice of just being the platform and center in the Internet era, and find more new ways of development by getting involved in the actual operation process of the industry.To sum up such a new development, fusion of numbers and reality is undoubtedly the most accurate word.To realize the integration of data and reality, to abandon the platform model, it is necessary to return to the industry, embrace the industry, and find a new way to combine the Internet and industry.If we only do simple empowerment and transformation, it is impossible to achieve the real sense of digital and real integration, and it is impossible to truly achieve deep integration.Finding a new way to return to the industry and embrace the industry is the key to ensure the success of the transformation of Internet players.It is in this context that fintech has been brought to the fore.
According to the definition of fintech in the classical sense, the so-called fintech is only the Internet players to empower and transform the financial industry with the help of their own digital technology accumulation, so as to help the players of the financial industry better serve the real economy and promote the development of the real economy.Through analysis, we can see that in such a process, Internet players are still independent of the existence of the industry, is still harvesting traffic thinking, is still the practice of the platform.Although such a way can give players a certain space for development, but, such a change of the soup does not change the practice, can not bring long-term development, more unable to achieve the number of real integration and virtual-real integration.
Only by finding the commonality between the digital economy and the real economy, as well as the bridge and bond between them, can the integration of digital and real be no longer just a slogan or a synonym for the Internet, but can have its own real connotation and significance.It is in such a general background that fintech has been mentioned more and more, and begun to play the role of bridge and link of digital and real integration.No matter from the perspective of finance, or from the perspective of science and technology, there are many connections between them and the real economy, especially with the real economy in the post-Internet era.We have always regarded finance as the capillary of economic operation. In many cases, finance plays a role in supporting and facilitating the development of the real economy.Even after the baptism of the Internet era, the way of connecting finance and the real economy began to shift from offline to online, but the function and role of finance in helping and supporting the development of the real economy has not changed.
The same is true for technology.As we all know, in the Internet era, there are various Internet models, and many industries are more or less connected with the Internet.To some extent, the Internet has become a “new infrastructure” to help and support the development of the industry.It can be said that without the Internet, the development of any real economy has been difficult.
If the deep and comprehensive connection between finance and technology and the real economy enables it to have the innate conditions to open the door to the integration of digital and real economy, then the deep integration between finance and technology provides them with more new possibilities for the deep integration of the real economy.In the past, when it comes to the deep integration of finance and technology, we only looked at it from the perspective of enabling technology and transforming finance.Just as the Internet has enabled and transformed other industries, they are merely innovators and transformed.However, when the Internet began to evolve and finance began to evolve, the role of the reformed and the reformed began to be broken again under the Internet model.In many cases, finance and technology move away from the traditional role of the creator and the transformed, and start to take on more of an interdependent role.Fintech is no longer a simple combination of finance and technology, but has begun to become a deep integration of finance and technology.
With such a deep and comprehensive integration, in many cases, fintech began to become a bridge and bond for the integration of digital economy and real economy.With the help of it, the relationship between the digital economy represented by the Internet and the real economy represented by the traditional industry is no longer the role and relationship in the Internet era, but a new relationship that can be deeply integrated and connected with each other.If we have to find a bridge to build such a new relationship, financial technology is undoubtedly the most worthy of our attention.
Fintech, finding a new way of digital-real integration If fintech makes people see a new dawn of digital-real integration, then what it is most worthy of our attention is that it finds a new way of digital-real integration and truly brings people into a new era of digital-real integration.Because of this, fintech can assume the role of a new way to achieve the convergence of digital and real.To realize the new development of digital real integration, it is necessary to find a new way.Fintech, it is the fusion of reality to find a new way outside the traditional model.
It can be said that the current fintech players are no longer the ones we knew before who only limited their target objects to the financial industry and only took the traffic harvesting as the dominant player. Instead, they have become a new player who goes deep into the ocean of industry, joins the embrace of the industry and constantly finds ways and methods to combine themselves with the industry.In this process, players constantly transform the original elements, processes and links of the real economy through the natural and comprehensive connection between the two elements of finance and technology themselves and the real economy. Through such transformation, they reconstruct the elements and operation mode of the real economy, so as to bring about a complete change in the real economy.It even enables the real economy to produce new products and services, so as to realize the transmutation of the supply side and finally achieve a new balance and connection between supply and demand.From this perspective, fintech plays more of the function and role of “scalpel” of supply side reform.Through the deep transformation of the digital economy and the real economy, it finds the commonality of the digital economy and the real economy, thus connecting the digital economy and the real economy together, and really derived a new industry.Under such a new industry, there is not only a digital economy component, but also a real economy component, and a new supply of products and services.In my opinion, the new way of virtual-real integration found by fintech in this way is a new way of digital-real integration in a real sense.
In fact, fintech has found a new way to integrate real and digital.This is a new approach completely different from the previous model. Through this approach, the digital economy and the real economy not only achieve deep integration, but also spawn new industries and trigger the generation of supply-side change.With this as the beginning, the development of fintech has entered a new cycle.