Fintech

Universities
10
Programs
12
Major category
Economics

Specialization introduction

Major introduction

FinTech is an interdisciplinary field combining finance and technology, teaching you to solve financial problems using tools like programming, data analysis, and blockchain.

Program overview

FinTech, simply put, is "using technology to do finance." You'll learn two sets of skills: financial knowledge (e.g., monetary banking, investment, risk management) and technical tools (e.g., Python programming, databases, machine learning, blockchain principles). Core courses include Introduction to FinTech, Quantitative Investment, Blockchain and Digital Currency, and Big Data Financial Risk Control. This major is especially suitable for students with strong math and logic skills, who don't dislike computers, and are interested in financial markets. Chinese universities have a clear advantage here: many instructors have industry experience, and courses incorporate real-world cases from Alipay, WeChat Pay, and Ant Group, sometimes even inviting corporate mentors to teach. Additionally, China's mobile payments and digital yuan are world-leading, allowing you to engage with cutting-edge applications in the classroom.

Major prospects

金融科技这几年在中国发展很快,但不像前几年那么“疯狂”,现在更注重合规和实际价值。行业趋势有几个方向:一是银行、券商等传统金融机构在大量招懂技术的人做数字化转型;二是互联网平台(如蚂蚁、京东、度小满)继续深耕消费金融和供应链金融;三是监管科技(RegTech)和绿色金融科技开始冒头。对国际学生来说,值得关注的是跨境支付和数字人民币——中国正在推动人民币国际化,相关技术人才很缺。另外,东南亚、非洲等新兴市场也在复制中国的金融科技模式,如果你未来想回国或去这些地区发展,在中国学到的经验会很值钱。

Career prospects

毕业后可以去几类单位:第一,互联网大厂的金融部门,比如蚂蚁集团、腾讯金融科技、京东数科,岗位有金融产品经理、数据分析师、风控模型工程师;第二,传统银行或券商的科技部,比如工商银行软件开发中心、招商银行信用卡中心,做系统开发或量化交易策略;第三,金融科技创业公司,比如做智能投顾、区块链支付的初创企业;第四,咨询公司或四大会计师事务所的金融科技咨询团队。薪资方面,在中国一线城市,应届生起薪通常在15-25万人民币(技术岗更高),有经验后30-50万很常见。国际学生如果中文流利,还可以考虑做跨境业务或海外市场拓展岗位,薪资会更有竞争力。

Subordinate programs