Behind the financial institutions' efforts in financial technology, there is an urgent need to supplement the talents of 6.5438+0.5 million.

Although major financial institutions are increasing their attention and investment in financial technology, which has brought great development opportunities to the financial industry, it also faces many challenges, among which the shortage of financial technology talents has become a * * * problem in the development of the industry.

Zhu Min, president of Tsinghua University National Finance Research Institute, said at the recent 20 19 Tsinghua Wudaokou Global Finance Forum that talent is the most important challenge for the development of financial technology.

Financial institutions are heading for the war of science and technology.

Guo Shuqing, Chairman of the China Banking Regulatory Commission, said in his speech at the Wudaokou Global Financial Forum on 20 19 in Tsinghua that financial technology has developed rapidly in China and is in a leading position in the world. At present, all financial technology companies have formed cooperative partnerships with large and medium-sized banks, and other banks have also vigorously developed financial technology, and carried out all-round cooperation with technology companies in fund raising, account opening, payment and settlement, and inclusive finance, learning from each other's strong points and achieving remarkable results.

In fact, it is undeniable that financial technology has become the next "battlefield" for financial institutions, regardless of self-construction or cooperation with third parties, and institutions have generally increased their investment in financial technology.

According to the data of China Banking Regulatory Commission, the total investment in science and technology of banks increased by 13% last year, and the number of information technology personnel increased by nearly 10%. The scientific and technical personnel of some joint-stock banks increased by more than 20% year-on-year, accounting for more than 4%, nearly doubling, and some Internet private banks accounted for more than 35%.

Li Dan, deputy director of the Statistical Information and Risk Monitoring Department of China Banking Regulatory Commission, recently publicly stated that at present, all major banking institutions have set up information technology management committees, and more than half of them have set up CIO (Chief Information Officer).

At the same time, according to statistics, since the establishment of Industrial Bank on 20 15, which kicked off the financial technology subsidiaries of domestic banks, nine financial technology subsidiaries have been established, among which ICBC's subsidiary ICBC Technology and Bank of Beijing's subsidiary Yin Bei Financial Technology made intensive appearances in May.

According to the forecast of the report released by Forward-looking Industry Research Institute in September last year, it is optimistically estimated that the application market of China Financial Technology Bank will reach 24.5 billion yuan in 2020. From 2020 to 2025, the market size of financial technology banks will be greatly influenced by factors such as supervision and technological development. It is conservatively estimated that the market size of financial technology banks will be 31300 million yuan in 2025, and optimistically estimated that the market size will be 49.3 billion yuan.

In the insurance industry, although there is no specific industry input data, the importance of financial technology can be seen from the 20 18 annual reports of several listed insurance companies.

For example, China Life regards "scientific and technological life" as an important development strategy; China Pacific Insurance has added two "chief" positions, one of which is the chief technology officer; This year, China Ping An changed its logo from "insurance+banking+investment" to "finance+technology". Technology has become an important business segment, and 65,438+0% of its revenue is spent on technology research and development every year. Data show that China Ping An currently has 99,000 employees and 29,000 R&D personnel in financial technology and medical technology business. As of 20 18, 12, and 3 1, the number of Ping An's technology patent applications increased by 902 1 compared with the beginning of the year, reaching 1205 1, ranking among the top international financial institutions.

There is a shortage of financial technology talents.

Although major financial institutions are trying to embrace the wave of science and technology, a big reality is the shortage of financial technology talents.

According to the "20 18 China Financial Technology Employment Report" released by the international recruitment company Michael Page (China), 92% of the respondents predicted the bright future of the financial technology industry, and they believed that high-quality talents were the key factor to promote the sustained success of this industry. However, 92% of the financial technology companies surveyed found that China is currently facing a serious shortage of financial technology professionals.

According to the statistical data in the "20 17 Report on Salary and Employment in China" previously released by this institution, the total gap of financial science and technology talents in China is 1.5 million.

"In fact, I think that the figure of 1.5 million may still seriously underestimate the actual talent gap. Because this 6.5438+0.5 million is actually recruited through various recruitment channels, if the potential talent demand of some small and medium-sized banking institutions in third-and fourth-tier cities is added, it will far exceed 6.5438+0.5 million. Therefore, we believe that this gap is very large, and the key is that the supply is very small. " Wang Xiaoyuan, chief development officer of Financial One Account, said.

Qiu Han told this newspaper that the shortage of financial science and technology talents is not only a problem in China, but also a global problem, but the scarcity characteristics of each region are slightly different.

For example, she said, for example, in the United States, because financial institutions were digitized earlier, especially in retail banking, big data talents were relatively abundant among all talents in short supply of financial technology. However, the retail banks in China have only started to break out in recent years, so there is a relative shortage of big data talents. However, in terms of artificial intelligence, although the artificial intelligence technology in the United States is advanced, due to various factors such as privacy, its application in the financial industry is not particularly deep; The rapid accumulation of data in China, coupled with the development of mobile Internet, makes the application of artificial intelligence in financial institutions relatively fast, so China has more practical talents in the financial industry than the United States, but American universities set up related majors earlier, so there will be more basic talents than China.

It is understood that colleges and universities in China have begun to focus on cultivating financial science and technology talents in the past two years. Dozens of universities, such as Tsinghua, Peking University, China University of Science and Technology, Shanghai Jiaotong University and Nanjing University, have successively set up related colleges or majors such as financial science and technology or artificial intelligence. Obviously, enterprises with a huge talent gap can't wait for college graduates for a few years. Financial One Account has selected Ersima, a joint quantitative hedge fund, and the world-famous Wharton Business School to carry out the short-term high-intensity training program of "Rising Stars in Financial Technology" to directly transport practical talents for itself and external financial institutions; Ping An Bank chose to focus its vision on financial technology talents overseas, and in the middle of last year, it directly opened the job fair to Silicon Valley and new york.