FINANCIAL TECHNOLOGY

Financial Technology (FinTech) is an emerging and promising field, combining traditional finance with modern technology. If you are passionate about technology and finance, and want to work in the financial sector, particularly in fintech companies or banks, this program is the perfect choice to build your career.

Program Introduction

Financial Technology primarily studies finance, investment, and internet finance, integrating the principles and methods of quantitative analysis in various business scenarios with big data analysis techniques. This combination is applied to financial product design and operation, as well as the analysis and management of financial big data. For example, it involves product design, quantitative analysis, risk control, and operations management in areas such as online credit, intelligent investment advisory, and digital currency.

Program Objectives

Students should develop or form the following abilities and qualities:

• Have strong moral character, professional ethics, social responsibility, and humanistic care.

• Master the basic theories and knowledge of economics, finance, and modern information technology, especially the application of frontier technologies like big data, blockchain, and artificial intelligence in finance. They should have the scientific literacy and basic skills needed to engage in practical financial work and effectively communicate with industry peers and the public about economic and financial issues.

• Have strong market research, financial market analysis, information acquisition and processing skills, independent thinking abilities, and unique insights into the development trends of the domestic and international financial industry. They should be able to creatively solve practical financial problems and transform this into financial innovation capabilities, developing new financial products.

• Have rigorous logical analysis skills, mathematical reasoning abilities, and valuation analysis abilities. Students should be able to apply economic and financial theories to perform both normative and empirical analyses, as well as to calculate valuations of financial assets and simulate trades using existing theoretical frameworks or real-time data.

Graduation Requirements

Knowledge Requirements

• Understand the basic knowledge of political culture, natural sciences, humanities and arts, computer information, physical education, and health.

• Be familiar with the basic theories of economics, management, and modern analytical methods.

• Master the fundamental theories and knowledge of finance.

• Master the practical knowledge of banking, securities, blockchain, big data, artificial intelligence, and related business fields.

• Be familiar with financial policies, laws, and regulations.

Ability Requirements

• Have the basic abilities to handle business in banking, securities, futures, funds, trusts, insurance, etc.

• Be skilled in data analysis and modeling, financial econometrics, optimization, and academic writing.

• Be proficient in at least one foreign language with a high ability in speaking, reading professional materials, and writing.

• Have strong knowledge updating abilities, good communication, and interpersonal skills.

Qualities Requirements

• Have a deep love for the socialist motherland, master the basic principles of Marxism, Mao Zedong Thought, and the theory of socialism with Chinese characteristics in the new era, possess good moral qualities, a strong sense of social responsibility, a noble personality, and lofty ideals, with a scientific worldview, outlook on life, and values.

• Link theory with practice, be rigorous, practical, diligent, and have abundant scientific and cultural knowledge, possess a high level of professional skills, innovative awareness, and a collaborative spirit.

• Possess a well-rounded character, good physical health, sound moral cultivation, psychological qualities, behavior habits, honesty, love for labor, respect for laws, self-discipline, humility, and teamwork.

Core Courses

• Microeconomics

• Macroeconomics

• Python Programming

• C++ Programming

• Data Structures and Algorithms

• Econometrics

• Finance

• Modern Cryptography

• Financial Technology

• Introduction to Financial Engineering

• Corporate Finance

• Big Data and Finance

• Financial Risk Management

• Software Engineering

• Blockchain Technology and Applications

• Principles and Applications of Artificial Intelligence

Course Structure Diagram

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Research Directions

The research directions of the Financial Technology program mainly include:

1. Big Data Finance: Using big data technology for financial market analysis and investment decision-making.

2. Artificial Intelligence in Finance: Applying artificial intelligence technologies to develop intelligent investment advisory and automated trading systems.

3. Blockchain Finance: Studying the application of blockchain technology in payments, clearing, and settlements.

4. Internet Finance: Exploring innovative models in payment, lending, wealth management, etc., on online platforms.

Degree Awarded

Upon completion of the program and fulfilling the required credits, students will be awarded a Bachelor's Degree

Career Development

Financial technology is a product of the times. The integration of technology into various industries marks the entry of the Chinese economy into the "new normal" era, a new economic age driven by consumption. Smart cities, cross-border e-commerce, and other fields represent the future direction of development, with financial technology emerging from big data, cloud computing, mobile internet, and artificial intelligence, making a significant impact on traditional finance in just a few years.

The financial industry must lead the real economy, addressing issues like personal credit and small business financing. The financial industry is evolving towards a scenario-based model. For example, platforms like Yu'ebao, where users can visually track their investments' value, represent a huge shift brought about by technology. This allows people to directly experience the benefits of finance within different contexts.

Graduates of this program can work in financial institutions, fintech companies, third-party financial service providers, financial regulatory departments, and related enterprises, engaging in financial technology product development, operation, and management.

Graduates of the financial technology program are highly skilled in both finance and technology, making them ideal candidates for the financial services industry. Besides traditional financial careers, graduates are also competitive in innovative roles, such as:

• Insurance (automated underwriting, claims management, precision marketing, risk management)

• Asset and Wealth Management (data-driven investment strategy design, intelligent investment advisory, algorithmic trading)

• Internet Finance (P2P lending, crowdfunding, mobile payment systems, credit analysis, digital currency)

• Retail and Investment Banking, Securities Companies, and Other Trading Platforms (IT system development, financial infrastructure architecture, investment analysis, trading)

• Government Regulatory Agencies (data analysis, regulatory technology)

• Fintech Startups

Related Majors

• Finance

• Financial Engineering

• Insurance

• Investment Science

• Financial Mathematics

• Credit Management

• Economics and Finance

• Actuarial Science

• Internet Finance

• Financial Auditing

University Rankings (Financial Technology Programs)

1. Central University of Finance and Economics

2. Nankai University

3. University of International Business and Economics

4. Southwestern University of Finance and Economics

5. Beijing Normal University

6. Jinan University

7. South China University of Technology

8. Beijing Institute of Technology

9. Northeast University of Finance and Economics

10. Jiangxi University of Finance and Economics

11. Zhejiang University of Finance and Economics

12. Nanjing Agricultural University

13. Shandong University of Finance and Economics

14. Beijing Jiaotong University

15. Guangdong University of Finance

16. Beijing Technology and Business University

17. South China Normal University

18. Nanjing University of Posts and Telecommunications

19. Shenzhen University

20. Yunnan University of Finance and Economics

21. Shanghai Normal University

22. Beijing University of Posts and Telecommunications

23. Hunan University of Commerce

24. Shanxi University of Finance and Economics

25. Hebei University of Economics and Business

26. Guizhou University of Finance and Economics

27. Inner Mongolia University of Finance and Economics

28. Beijing Wuzi University

29. Xinjiang University of Finance and Economics

30. Shandong University of Economics and Business