In recent years, technological innovations such as artificial intelligence, blockchain, cloud computing and big data (abbreviated as A, B, C, D in academic circles) have been fully applied to the financial industry, forming a brand-new field — FinTech, which is synthesized from “Financial Technology”. Financial technology promotes the rapid evolution of financial forms, and mastering knowledge and skill in financial technology has become a new requirement for the qualities of qualified financial practitioners in the new era. At present, our country is in a new era of mass innovation, and is one of the most dynamic regions in the global financial technology. Technological innovation has become the core of the national development strategy. The incentives of top-level policy design to innovation and the high consensus on the implementation of financial technologies such as A, B, C, and D in the financial industry have made financial product iterations, industry restructuring, and ecological evolution and even environmental changes high probability events. Under this background, we have developed this textbook jointly with the backbone teachers of finance majors in many higher vocational colleges and the experts of Shanghai Yijing Network Technology Co., Ltd. It is a new-type practical textbook featured by industry-education integration and enterprise-education cooperation.
Compared with similar textbooks, this textbook has the following characteristics:
1. Examine the global financial technology revolution from macro and micro perspectives.
In the context of the rapid development of financial technology, we examine the impact and changes brought about by financial technology at the following four levels: at the national level, make in-depth analysis of the new opportunities that financial technology brings to China in scientific and technological strength, economic development and legal system; at the industry level, analyze how financial technology innovatively solves traditional financial pain points, especially its role in solving the “impossible triangle” problem of inclusive finance; at the enterprise level, analyze how entrepreneurs seize opportunities in entrepreneurship and innovation brought by financial technology under the background of new financial forms, and the financial technology entrepreneurial path and development prospects of enterprises with different resource types; at the personal level, explain how financial industry practitioners adjust their financial career development thinking, prepare enough knowledge, and welcome the advent of the era of financial technology.
2. Explore the application and development prospects of financial technology in a multidimensional way with enterprise-education cooperation.
This book explores the development and evolution of financial technology in the world today from the following four dimensions:
The first is to provide and analyze the state’s policy documents supporting the development of financial technology, clarify the country’s strategic positioning for the development of financial technology, adjust the individual’s effort to make it consistent with the overall development plan of financial technology, thereby forming a positive driving force.
The second is to explore the evolution process of the core technology that supports the development of financial technology from the basic technological level of financial technology, and explore the logic of the integration of technology and finance.
The third is to deconstruct and discuss the specific industry applications of financial technology. We cooperate with participating companies to conduct in-depth practice, analyze the specific applications of financial technology in securities, insurance, banking, third-party payment and other fields, and explore how emerging technologies can provide technical support for the development of traditional financial services and how to promote the reform of the financial industry.
Fourth, make in-depth analysis of typical successful cases at home and abroad. Through in-depth analysis of specific cases, we explore the profound impact of financial technology on the economy, finance, and public life so that students can systematically have an idea of financial technology, understand it, and lay the foundation for future employment or innovation or entrepreneurship in the financial technology industry.
3. Reflect the characteristics of higher vocational education in compilation style, form and content of the book.
The basic design idea of the textbook is to reform the discipline-based curriculum system and establish a task-driven knowledge learning system, organize practical courses according to projects and tasks, and cultivate students’ financial technology abilities by using case study teaching method, holding to practical teaching and focusing on professional ability. This textbook is designed in accordance with the integrated teaching model of theory and practice. Each task is equipped with “learning by doing” and other practical training operations co-designed with enterprise experts to enable students to truly understand the connotation and application of financial technology. In addition, in order to help students better master the core knowledge points, this textbook has more than 1,000 exercises, including multiple-choice questions, multiple-answer questions and true or false questions to assist teachers in evaluation of teaching effects.
4. Innovatively construct three-dimensional teaching materials with rich resources to support learning and teaching.
This textbook combines the development trend of online learning to develop supporting resources such as micro-lectures, compilation of laws and regulations, courseware, curriculum standards, etc., providing students with abundant learning resources for autonomous learning, and teachers with diversified high-quality teaching for teaching activities.
5. Share high-quality teaching resources through “Internet textbook”.
This textbook gives full play to the advantages of “Internet ”. They can directly watch fine micro-lectures and obtain resources such as laws and regulations, and exercise answers, etc., which will help students with personalized self-learning and assist teachers in innovating the teaching mode for flipped classroom.
This textbook can be used by Fintech majors in vocational colleges, those who are interested in Fintech innovation models and application cases, as well as financial practitioners who want to understand the impact of Fintech on the development trend of the financial industry.
The editors’ team is composed of key financial teachers from vocational colleges and financial technology enterprise experts. They are: ZHANG Bei, L? Yong, WEI Man, YANG Mengmeng, GAO Na, LIANG Jian and ZHANG Lingping from vocational colleges, as well as the general manager SHAN Jun, and Managers LIU Xin and ZHANG Lang from Shanghai Yijing Network Technology Co., Ltd.
Due to editors’ ability, deficiencies and errors in the textbooks are inevitable. Your criticism and correction are welcomed.

Team of Editors
Feb., 2022