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2025年中国金融科技(FinTech)行业发展洞察报告
艾瑞咨询·2025-10-05 00:06

Core Insights - The financial technology (FinTech) industry is experiencing significant growth, driven by technological innovation and the establishment of a technology-finance-industry cycle, with a projected compound annual growth rate (CAGR) of approximately 13.3%, expected to exceed 650 billion yuan by 2028 [1][7]. Industry Overview - The domestic FinTech market is continuously expanding due to the flourishing financial market and rapid technological advancements, with a focus on the integration of technology into financial services [1][7]. - The current phase of digital transformation in financial institutions is characterized by a shift from foundational digital infrastructure to more sophisticated applications and data governance [10][16]. Policy Analysis - Recent policies emphasize the construction of a technology-finance-industry cycle, highlighting the diverse and compliant application of data elements in financial business scenarios [4]. - The focus of guiding policies has shifted towards sustainable product technology iteration and data management, marking a transition in the FinTech sector's development [4]. Market Size and Growth - The domestic FinTech market is expected to grow at a CAGR of about 13.3%, reaching over 650 billion yuan by 2028, driven by the increasing technological capabilities and the rise of new productivity models [7][20]. - The banking sector's technology investment is projected to grow at a CAGR of 11.85%, potentially exceeding 450 billion yuan by 2028, influenced by the adoption of emerging technologies and the completion of domestic innovation goals [20]. Sector-Specific Insights Banking Sector - The banking industry is in a "semi-mature" stage of digital transformation, with a high penetration of basic technology products and a steady increase in technology investment [20]. - The focus on new technologies and their multi-scenario applications is expected to reshape the banking sector's operational models [20][23]. Insurance Sector - The insurance market is benefiting from demographic changes and increased awareness, with a projected technology investment growth rate of 14.83%, expected to surpass 100 billion yuan by 2028 [29]. - The integration of advanced technologies in risk pricing and customer service is driving the development of insurance technology [29][32]. Securities Sector - The securities industry is witnessing a recovery, with technology investments increasing as firms focus on enhancing operational efficiency and reducing system failures [38]. - The expected growth rate for technology investment in the securities sector is approximately 19.7%, with a projected market size exceeding 970 million yuan by 2028 [38][42]. Technology Trends - Artificial intelligence (AI) and big data are becoming central to the financial sector's technological advancements, with AI product investments expected to grow at a CAGR of 30.36%, surpassing 16 billion yuan by 2029 [48]. - The integration of cloud services is a key trend, with financial institutions increasingly adopting hybrid cloud solutions for non-core business scenarios [61][63].