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1、ISSN: 1962-5361 Disclaimer: This Philadelphia Fed working paper represents preliminary research that is being circulated for discussion purposes. The views expressed in these papers are solely those of the authors and do not necessarily reflect the views of the Federal Reserve Bank of Philadelphia o

2、r the Federal Reserve System. Any errors or omissions are the responsibility of the authors. Philadelphia Fed working papers are free to download at: https:/philadelphiafed.org/research-and-data/publications/working-papers. Working Papers A Survey of Fintech Research and Policy Discussion Franklin A

3、llen Imperial College London Xian Gu Central University of Finance and Economics and the University of Pennsylvania Julapa Jagtiani Federal Reserve Bank of Philadelphia Supervision, Regulation, and Credit Department WP 20-21 June 2020 https:/doi.org/10.21799/frbp.wp.2020.21 1 A Survey of Fintech Res

4、earch and Policy Discussion* Franklin Allen Imperial College London Xian Gu Central University of Finance and Economics and the University of Pennsylvania Julapa Jagtiani Federal Reserve Bank of Philadelphia First Draft: April 21, 2020 Current Draft: May 28, 2020 Abstract The intersection of finance

5、 and technology, known as fintech, has resulted in the dramatic growth of innovations and has changed the entire financial landscape. While fintech has a critical role to play in democratizing credit access to the unbanked and thin-file consumers around the globe, those consumers who are currently w

6、ell served also turn to fintech for faster services and greater transparency. Fintech, particularly the blockchain, has the potential to be disruptive to financial systems and intermediation. Our aim in this paper is to provide a comprehensive fintech literature survey with relevant research studies