Problems of financial technology.

There exists five main problems or financial technology.
The first one is about the reconstruction of the boundary.On the one hand, financial technology had already crossed the two apartments of Technology and finance.On the other hand, the finance affairs had already crossed several apartments.The corporation and the combination of these big and small finance institutions cooperate with other platforms of the college corporation through financial technology methods.Sell the reconstruction of the boundary in financial technology had already reformed the industry and the systematic structure.It is much more comprehensive and complex for the combination and operation for finance industry and area.
And with the development of the combination of finance and technology,The cross and combination of finance market and finance products will miss the regulatory boundary.And in that background there may cause some problems and league of the management and regulations for traditional banks so as to cause regulatory system of finance industry.

And the problem of disintermediation May cause the loss of finance institutions.In the whole finance system, does finance meditation operate those basic affairs.And to some extent those institutions play the core idea in those organization framework.But with the development of financial technology, those finance institutions had already lost their functions and had already cut the efficiency and usage of the traditional regulatory pattern and models.So it has brought new challenges for the management and regulatory systems for finance institutions.All those challenges include the diversion of the regulatory of institutions and functions and the protection for customers and consumers are much more difficult. And the traditional meditation had already lost their control and functions. So nowadays the regulatory system and technologies require great development and revolution.

After all these problems and situation, we need technology human resources, so as to cultivate those useful personnel and those researchers and management staff.

In spite of the background and the cultivation of the human resources, the learning abilities and development are needed for the Intelligence of finance industry and at the same time there exist some regulatory problems.For example,The correction of algorithm models and safety problems of the Information data had already caused some problems.And with the development and usage of artificial Intelligence in the finance areas,The management and regulation of finance affairs will rely on the technology of virtualization from the traditional institutions and working staffs.So it requires the development in the virtualization regulatory jobs.
All those traditional finance industry and affairs and regulations rely on the regulatory rules.For example,The risk management and regulation rely on the regulation of capital so as to set the rate for Micro standards. But in the times of financial technology it changes to the regulation of technology themselves.And the efficiency and effect of regulations rely much more on the control of the risk of technologies, but not the Micro standards and regulations for these problems.
So with the development and Intelligence of those finance industry, the regulations subject had already changed from the operation and starts to the virtualization and artificial Intelligence technologies.

Lastly, all those virtualization and Intelligence Problems caused the efficiency of finance industry.But all those attack and a potential problems for financial technology and finance enterprises had existed a long time.And because of the characteristics of huge quantities of capital and amount,The attack for those finance institutions had increased a lot.So once we had already take all those operations from offline to online for those finance systems,The confidence will lose a lot.Cyber security and stability for finance assets will cause a lot of problems and impact.
So with the development Of financial technology,The problems of cyber security required promotion of government ,regulatory Apartments, technology and enterprises.

So the problems include the reconstruction of the boundary between technology and finance affairs ,and the disconnection of finance institutions.
Of course we need our human resources, and the regulations had already changed from the staff to the technology .
Lastly, the control of cyber security requires different apartments to cooperate together.