What is the future direction of fintech talent training?

Issuing time:2023-06-21 11:24

According to Gao Feng, from the perspective of financial technology investment, national commercial banks and city commercial banks will further increase investment in 2020. Among them, national commercial banks’ financial technology investment accounted for an average of 3.31% of revenue, an increase from the same period last year 0.6 percentage points; the average investment ratio of city commercial banks was 3.90%, an increase of 0.5 percentage points from the same period last year. From the perspective of financial technology personnel investment, various banks have promoted the construction of professional financial technology teams, and the proportion of financial technology personnel has shown a significant increase trend. National commercial banks, city commercial banks, urban rural commercial banks, and county rural commercial banks accounted for more than The ratios are 5.28%, 4.36%, 2.45%, and 3.23% respectively.

The "China Fintech Talent Training and Development Questionnaire (2021)" (hereinafter referred to as the "Questionnaire") released at this forum also showed that in 2021, the proportion of fintech personnel in participating institutions will further increase compared with 2020. According to the questionnaire survey, in 2021, 45.85% of the institutions surveyed will have more than 10% of financial technology personnel. The questionnaire survey also showed that city commercial banks generally lag behind other types of commercial banks in terms of the construction of financial technology talent mechanisms and the average salary of financial technology talents. In particular, small and medium-sized city commercial banks do not have core advantages in the competition in the financial technology talent market.

The deputy president of the Bank of Shanghai said that the bank's future competition will rely on technology's support for business, and also on the support of financial technology for banks' internal operations and management and high-quality development levels. Currently, the banking industry is facing fierce competition for talents, and banks need to further enhance their attractiveness to financial technology talents and maintain the stability of talents.

"The financial technology talent support policy will play a positive role in promoting the development of the financial industry." Gao Feng said that in November 2021, the China Banking Association and relevant departments applied to the Ministry of Human Resources and Social Security for the financial technology engineer (digital financial engineer) New career. Previously, the China Banking Association has joined forces with Shenzhen University, Hong Kong University of Science and Technology and other institutions to launch multiple online and offline certification trainings for financial technicians. A total of tens of thousands of employees have participated in primary or intermediate training.

Large talent gap

"The demand for financial technology talents is still very strong, and about 96.80% of the participating institutions believe that there will be a gap in financial technology professionals in 2021." said Luo Liyuan, a researcher at the Beijing Liyan Institute of Finance and Development. "From the perspective of recruitment channels, banking financial institutions The main channel is campus recruitment of fresh graduates, and the main problem faced is the lack of financial technology skills and experience among recruits. At the policy level, some cities have low satisfaction with the financial technology talent support policy, and there is still need for support, supporting measures, etc. Continuous improvement."

The director of the Digital Finance Research Center of the University of Finance and Economics believes that in the process of digital transformation, there is still a huge gap in scientific and technological talents in financial institutions. Financial industry practitioners need to pay attention to how to achieve digital transformation, and a training system for strategic talents, architects, and product managers can be designed.

The "HOPE Index of Financial Technology Talent Development in Major Cities in my country" shows that the current level of financial technology talents in my country's cities shows echelon-like and characteristic development, the agglomeration effect of financial technology talents in the Yangtze River Delta region is obvious, and the multi-polar development of financial technology talents in the Guangdong-Hong Kong-Macao Greater Bay Area The Chengdu-Chongqing twin-city economic circle has driven the gathering of fintech talents in the west. However, at the same time, the development of fintech talents in my country's cities has four problems: weak talent base, lagging industrial development, insufficient policy support, and restricted development environment.

Yang Tao, deputy director of the National Finance and Development Laboratory, said that investment factors at the financial technology level include technology and data, people, institutional environment and customer scenarios and other driving forces based on the characteristics of financial technology. In the current complicated financial technology research, we urgently need to dig out talents, promote the development of the financial technology industry from a talent perspective, and truly promote financial technology talents to become a standardized core element to serve regional economic growth, regional financial innovation and Digital transformation of the financial industry.

Create a financial technology talent training system

Regarding how to strengthen the training of fintech talents, Gao Feng proposed that we should adhere to the cross-integration of industry, teaching, learning and research, create a fintech talent training system, and establish a scientific fintech talent ability assessment system.

It is necessary to promote the construction of standards, education, and training systems for financial technology talents to make them a standardized and core production factor to serve economic and financial reforms.

The Banking Association also needs to organize peers and relevant research and training institutions to establish a financial technology curriculum system and a financial technology talent evaluation and certification system.

The dean of the National Institute of Development and Strategy of Renmin University of China proposed to make efforts from four aspects: first, to consolidate the talent base, transform the talent base advantages into multiple dimensions, and introduce talent education and training resources; second, to promote industrial agglomeration and optimize financial technology The direction of industrial development is the deep integration of finance, technology, and industry; the third is to make up for policy shortcomings, give full play to the comparative advantages of talent policies according to local conditions, and promote the implementation and execution of policies; the fourth is to optimize the development environment, give play to the coupling effect of the talent environment and the industrial environment, and differentiate Improve the city's attractiveness.

It is recommended to expand the recruitment channels for financial technology talents by financial institutions and improve the financial technology skills and application capabilities of existing employees through various trainings; colleges and universities should improve the design of financial technology courses and training programs to cultivate and deliver high-quality talents to the society. Financial technology talents; local governments further improve financial technology talent support policies and promote the establishment of urban financial technology talent evaluation systems; industry organizations further improve the training system for financial technology talents and promote the skills training and qualification certification of financial technology engineers.

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