La ubunjiniyela bezezimali Sekungenye yezindawo ezinamandla kakhulu nezifunwa kakhulu emhlabeni wezezimali zanamuhla, indawo yokuhlangana phakathi kwezibalo ezithuthukisiwe, ezomnotho, kanye nobuchwepheshe okuvumela ukwenziwa kwezinqumo zomnotho okunemininingwane eminingi. Namuhla, amabhange, izinkampani zomshuwalense, izimali zokutshalwa kwezimali, kanye nezinkampani ezinkulu zithembele kulaba ochwepheshe ukuphatha ubungozi, ukuklama imikhiqizo yezezimali, kanye nokuhamba ezimakethe eziyinkimbinkimbi kalula.
Uma ukhangwa yizwe lemali kodwa futhi uthanda izinombolo, amamodeli okulinganisa kanye nobuchwepheshe ebhangeUbunjiniyela bezezimali bungaba yinto ekufanelekelayo. Akuyona nje umsebenzi onamathuba emisebenzi ajabulisayo kanye namaholo amahle, kodwa futhi insimu lapho usebenza khona ngemikhiqizo emisha, uhlanganyela kumaphrojekthi aphesheya, futhi uthole ithuba lokufunda kwamanye amazwe ngezivumelwano kanye neziqu ezimbili namanyuvesi kwamanye amazwe.
Buyini ubunjiniyela bezezimali futhi iyini inhloso yabo?
Uma sikhuluma ngobunjiniyela bezezimali, sibhekisela emkhakheni ofundisayo Ihlanganisa izibalo, izibalo, ezomnotho, ezezimali kanye nokuhlela. ukuhlaziya izinkinga zezimali eziyinkimbinkimbi nokunikeza izixazululo ezisebenzayo. Akukhona nje "ukunciphisa izinombolo," kodwa mayelana nokuklama nokusebenzisa amamodeli ezibalo avumela ukuqonda okungcono kwezimakethe nokuvumela ukwenza izinqumo eziqhutshwa idatha, hhayi nje ukuqonda.
Inhloso eyinhloko yobunjiniyela bezezimali ukuthi Lungiselela izinqumo zezimali usebenzisa amasu okulinganisa athuthukileLokhu kuhlanganisa konke kusukela ekubaleni inani elinembile lempahla kuya ekuklameni i-derivative eyinkimbinkimbi, ukuhlela iphothifoliyo esebenza kahle, kanye nokulinganisa ubungozi bokuthengiselana. Umgomo ukunciphisa ukungaqiniseki nokuthuthukisa imbuyiselo elungisiwe ngengozi.
Esimweni lapho izimakethe zezimali zishintsha ngesivinini esikhulu, lo mkhakha unikeza amathuluzi aqinile okubhekana nezimo eziguquguqukayoNgenxa yamamodeli ezezimali kanye nokulingisa, izinkampani zingabikezela imiphumela, zibikezele izinkinga, futhi zisebenzise amathuba, lapho ziwabuka kuqala, anganakwa.
Ngaphezu kwalokho, ubunjiniyela bezezimali budlala indima ebalulekile ku- ukudalwa kwemikhiqizo yezezimali emisha, njengezinhlobo ezithile ze-derivatives, okuhlanganisa amaphrothokholi e-derivatives asezingeni eliphansiImikhiqizo ehlelekile noma amasu okutshala imali ngobuningi. Lezi zixazululo zisivumela ukuthi sihlele iminikelo yethu yezezimali ngokwezidingo ezithile zamabhizinisi, abatshalizimali bezikhungo, kanye nabongi abanolwazi oluphezulu.
Kubantu ngabanye, umthelela ubalulekile futhi: ngobunjiniyela bezezimali, bayathuthuka amasu okutshalwa kwezimali kanye nokuphathwa kwengcebo Kusebenza kahle kakhulu, ukumbozwa kwezingozi (isb., izinga lokushintshaniswa kwemali noma izingozi zezinga lenzalo) kuyathuthukiswa, futhi imikhiqizo yakhelwe ukuhambisana namaphrofayili ahlukene ezingozi.
Wenzani unjiniyela wezezimali enkampanini?
Un unjiniyela wezezimali Lochwepheshe unesibopho sokusebenzisa lonke lolo lwazi lokulinganisa emisebenzini yansuku zonke yenhlangano. Indima yabo ingahluka kuye ngohlobo lwenkampani (ibhange, inkampani yokuphatha, inkampani yomshuwalense, i-consultancy, i-industrial corporation, inkampani ye-fintech, njll.), kodwa ngokuvamile, ihlala ijikeleza ekuhlaziyweni, engcupheni, kanye nasekuklanyweni kwezixazululo zezezimali.
Omunye wemithwalo yabo yemfanelo eyinhloko ukuhlaziywa nokuhlonza utshalomaliUkuze yenze lokhu, yakha futhi isebenzisa amamodeli ezibalo kanye nezibalo lapho izama khona ukulinganisa imbuyiselo elindelekile, ukuguquguquka, kanye nokuxhumana phakathi kwezimpahla futhi ihlole Le nkinga izothinta kanjani ukutshalwa kwezimaliAyigcini nje ngokubona ukuthi kukhona yini okubukeka kunenzuzo, kodwa ilinganisa ngokuqinile ubudlelwano phakathi kwenzuzo kanye nengozi, isize ekunqumeni ukuthi kukuphi lapho kufanele khona ukutshala imali.
Omunye umsebenzi oyinhloko gestion de riesgosIzimakethe zezimali zigcwele ukungaqiniseki: ukunyakaza kwesilinganiso senzalo, ukuguquguquka kwemali, ukuhlukahluka kwentengo yezimpahla, ingozi yesikweletu… Unjiniyela wezezimali ubona, ulinganisa, futhi ulawula lezi zingozi esebenzisa amathuluzi anjenge-Value at Risk (VaR), ukulingisa isimo, ukuhlolwa kokucindezeleka, kanye, nokusetshenziswa kwezinto ezisuselwe kwezinye kanye nezinye izinsimbi zokuvikela, kanye nezinyathelo zokulwa… ukukhwabanisa kwe-paytech ezithinta amapulatifomu okukhokha.
El ukumodela kwezezimali Futhi kuyingxenye ebalulekile yomsebenzi wabo. Kuhlanganisa ukwakha amamodeli amelela iqiniso lezomnotho lenkampani noma iphothifoliyo yempahla, ukuze kuhlolwe izibikezelo ezahlukene: kwenzekani uma amazinga enzalo enyuka? Kuthiwani uma imakethe yehla ngo-20%? Iphothifoliyo yethu izoziphatha kanjani uma ukuguquguquka kwesimo kukhuphuka? Lawa mamodeli asiza ekuhleleni nasekulungiseleleni izimo ezahlukene.
Emkhakheni we ukuphathwa kwephothifoliyoUnjiniyela wezezimali usebenzisa amasu okwenza ngcono ukunquma ukuthi yiliphi inani okufanele alinikeze impahla ngayinye, ecabangela izinhloso zenzuzo, imikhawulo yokulawula, kanye nokubekezelela izingozi. Lokhu kuhilela imiqondo efana nomngcele osebenzayo, amamodeli ezinto, kanye namasu okulinganisa ahlelekile.
La ukulinganiswa kwempahla Kungenye ingxenye ebalulekile yomsebenzi wabo wansuku zonke. Basebenzisa izindlela ezifana nokugeleza kwemali okuncishisiwe, amamodeli ezinketho (isibonelo, ama-Black-Scholes kanye nokwandiswa kwawo), noma indlela yezinketho zangempela ukuze kunqunywe inani elifanele lezinkampani, amabhondi, amasheya, amaphrojekthi okutshalwa kwezimali, noma izinto eziyinkimbinkimbi ezitholakala kuzo. Lokhu kuhlola kubalulekile lapho kwenziwa izinqumo mayelana nokuthenga, ukuthengisa, ukuhlanganiswa, noma ukwanda kwemali.
Imisebenzi ekhethekile yonjiniyela wezezimali
Ngaphezu kwale misebenzi ejwayelekile, izinhlangano eziningi zabela onjiniyela bezezimali imisebenzi ecacile kakhulu neyobuchwephesheikakhulukazi eminyangweni yokusungula izinto ezintsha, yezezimali, noma yokuphathwa kwezingozi.
Omunye wale misebenzi ekhethekile yi- ukuthuthukiswa kwemikhiqizo yezezimali eyenziwe ngokwezifisoLokhu kungabandakanya ukuklama imikhiqizo emisha etholakala kwamanye amazwe, imikhiqizo ehlelekile exhunywe kuma-indices noma amabhasikidi ezimpahla, noma izixazululo zokuvikela ezilungiselelwe izidingo ezithile zenkampani (isibonelo, inkampani ethumela kwamanye amazwe edinga ukuvikela imali kanye nengozi yesilinganiso senzalo ngesikhathi esifanayo).
La ukulungiswa kwentela Lena enye indawo lapho unjiniyela wezezimali angenza khona umnikelo obalulekile. Ngokusekelwe emithethweni yentela yamanje kanye nesakhiwo senkampani, baklama amasu okunciphisa umthwalo wentela ngaphandle kokwephula umthetho, balungise izindlela zezimali, izakhiwo zokutshalwa kwezimali, kanye nesikhathi sokuthengiselana okuthile.
Ezinhlanganweni eziningi, laba ochwepheshe nabo bahlanganyela Uphenyo kanye nentuthukoLokhu kusho ukuhlola amamodeli amasha engozi, ukuhlola amasu okufunda komshini asetshenziswa ekubikezeleni intengo, noma ukuhlaziya umthelela wobuchwepheshe obusha bezezimali (i-FinTech) ebhizinisini. Kungumzamo wokudala kakhulu, ogxile ekuthuthukiseni izinqubo nokuvula imigqa emisha yebhizinisi, lapho imiqondo efana I-AI Ekhiqizayo ebhange Ziya ngokuya zibalulekile.
La ukwelulekwa kwezezimali Kungenye insimu yemvelo. Kusukela ezinkampanini zezinsizakalo zobungcweti noma njengabacebisi bangaphakathi, onjiniyela bezezimali bayeluleka ngamasu okuxhasa ngezimali, izakhiwo zemali, ukuhlanganiswa kanye nokuthengwa, ukuhlolwa kwebhizinisi, noma ukuhlelwa kabusha kwezikweletu, okuletha umbono wobuningi nobukhali ezinqumweni ezinomthelela omkhulu.
Okokugcina, kuvamile ukuthi bahileleke ku- Ukuqaliswa kwezinhlelo zezimali kanye nesofthiweBayasebenzisana ekwakhiweni kwamathuluzi okuphatha ubungozi bangaphakathi, amapulatifomu okuhweba, izinhlelo zokubika ezilawulayo noma izinjini zokulinganisa, beqinisekisa ukuthi amamodeli asetshenziswa kahle nokuthi idatha iphathwa ngokunemba okudingekayo.
Kungani ubunjiniyela bezezimali bufanele ukufundwa
Ukukhetha ubunjiniyela bezezimali njengeziqu noma ubuchwepheshe be-postgraduate kunezinzuzo eziningi, zombili maqondana ukukwazi ukuqashwa kanye nokuthuthukiswa kobungcwetiKuyiphrofayili efunwa kakhulu, ikakhulukazi ezindaweni lapho ukwenza izinqumo kusekelwe kumamodeli aqinile okulinganisa.
Inzuzo yokuqala enkulu iyona isidingo esikhulu sabasebenziUkwanda kobunzima bezimakethe, ukuvela njalo kwemikhiqizo emisha, kanye nengcindezi yokulawula kusho ukuthi izikhungo zezimali zidinga abasebenzi abafanelekayo abakwazi ukuqonda nokwenza isibonelo salezi zimo. Lokhu kuhumushela emathubeni amahle kakhulu ebhange lokutshalwa kwezimali, ukuphathwa kwempahla, umshwalense, ubuchwepheshe bezezimali, ukubonisana, kanye neminyango yezezimali yezinkampani ezinkulu.
Okwesibili, i- Amaholo ngokuvamile ayancintisana Uma kuqhathaniswa nezinye izinkambu zebhizinisi nezomnotho, inhlanganisela yamakhono obuchwepheshe (izibalo ezithuthukisiwe, izibalo, izinhlelo) kanye nolwazi lwezezimali kuyaziswa kakhulu, futhi ochwepheshe abanolwazi ekubunjweni kwezingozi, ama-derivatives, noma ukuhweba ngezibalo bavame ukukhokhelwa kahle kakhulu.
Elinye iphuzu elinamandla yi ukuhlukahluka kwezindlela zomsebenziUmuntu oyedwa ophothule ubunjiniyela bezezimali angasebenza ekwakheni ama-algorithms okuhweba, aqakathekise izinto ezitholakala kwamanye amazwe, aphathe amaphothifoliyo ezikhungo, athuthukise amamodeli obungozi besikweletu, noma ahole amaphrojekthi okuguqulwa kwedijithali enkampanini ye-fintech. Lokhu kuhlukahluka kwenza kube lula ukuqeqesha kabusha nokuhamba phakathi kwemikhakha kuyo yonke imisebenzi yomuntu.
Ukuqeqeshwa kule ndawo nakho kuthuthukisa kakhulu ukuthuthukiswa kwamakhono okuhlaziyaUkusebenza nsuku zonke ngedatha, amamodeli, kanye nokulingisa kulola ukucabanga okubucayi, amakhono okucabanga angaqondakali, kanye nokunemba okudingekayo ukwakha nokuxazulula izinkinga. Lawa amakhono aziswa kakhulu, hhayi kwezezimali kuphela kodwa kunoma yisiphi isikhundla esihlobene nokuhlaziywa kwenani noma ukwenza izinqumo zamasu.
Okokugcina, ubunjiniyela bezezimali buvumela ukubamba iqhaza okusebenzayo ku- ukusungula izinto ezintsha kwezezimaliImikhiqizo emisha, amapulatifomu edijithali, amasu okutshala imali ahlukile, kanye nezixazululo zokulinganisa izingozi ezingezona ezendabuko (njengezingozi ezihlobene nesimo sezulu noma zokuphepha kwe-inthanethi) konke kuyingxenye yalo mkhakha. Kuyindawo lapho ukufunda nokuzivumelanisa namathuluzi amasha kwenzeka khona njalo.
Izinhlelo ze-postgraduate kanye nezidingo zokwamukelwa
Ngaphakathi kweyunivesithi, ukuqeqeshwa kobunjiniyela bezezimali kuvame ukunikezwa nge izinhlelo ze-postgraduate kanye neziqu zakho Lezi zinhlelo zigxila kakhulu kokuqukethwe kwezibalo kanye nobuchwepheshe. Zingaba namagama ahlukene kuye ngeyunivesithi, kodwa ngokuvamile zifaka amazinga afana ne-Master's, i-Postgraduate Diploma, i-Expert Diploma, noma i-Teacher Training Certificate, ngayinye inomthwalo womsebenzi ohlukile kanye nezinga lobuchwepheshe.
Imfuneko evamile yokufinyelela kulezi zifundo yile ukubamba iziqu ezisemthethweni zasenyuvesiKungakhathaliseki ukuthi yi-bachelor's degree, i-master's degree, idiploma, i-technical engineering degree, noma i-technical architecture degree. Ngaphezu kwalokho, umqondisi wohlelo angadinga ukuqeqeshwa kwangaphambilini okuqondile ezifundweni ezithile (isibonelo, izibalo, i-calculus, i-programming, noma izisekelo zezomnotho nezezimali) ukuqinisekisa ukuthi umfundi uyakwazi ukuhambisana nesifundo.
Kwezinye izimo, kungenzeka ukuthi ukwamukela abafundi abangenazo iziqu zaseyunivesithi ezigcweleikakhulukazi ezinhlelweni eziholela kuDiploma Yochwepheshe YaseYunivesithi. Lokhu kuvame ukwenziwa ngesisekelo esingavamile futhi ngemvume yomqondisi wezifundo, othumela isicelo eHhovisi likaRector sokugunyaza ukwamukelwa.
Ukuze afinyelele kule ndlela eyingqayizivele, umfundi kumele athumele i-resume yobungcweti eqinile nehambisanayo ehambisana nesihloko sohlelookubonisa ulwazi olufanele kanye nekhono lokuzuza ekuqeqeshweni. Ngaphezu kwalokho, kumele bahlangabezane nezimfuneko zokwamukelwa eyunivesithi ngokwemithetho yamanje, noma ngabe abakaqedi izifundo zaseyunivesithi zendabuko.
Uma umuntu ebhalisa ngaphandle kokuhlangabezana nezidingo zokungena ezijwayelekile, usengakwazi ukuthatha lolu hlelo futhi, uma eluphumelela, uzothola isitifiketi sempumelelo esikhundleni seziqu ezisemthethweni. Ngale ndlela, ukuqeqeshwa okutholakele kanye namakhono atholwe kuyaqashelwa, kodwa kuyabahlukanisa kulabo abahlangabezana nazo zonke izidingo zemfundo ezisemthethweni.
Amathuba okuhamba ngeziqu ezimbili kanye namazwe ngamazwe
Esinye sezici ezikhanga kakhulu kwezinye iziqu zobunjiniyela bezezimali yi- amathuba okuthola amadigri amabili nezinhlelo ezihlobene kwamanye amanyuvesi, kokubili ngaphakathi ezweni elifanayo nakwamanye amazwe. Lezi zivumelwano zivumela abafundi ukuthi baqedele ingxenye yezifundo zabo kwesinye isikhungo futhi baphothule iziqu ezimbili ezisemthethweni, okwandisa amathuba abo omsebenzi kanye namathuba aphesheya kwezilwandle.
Isibonelo esithakazelisayo yisivumelwano sezinga eliphindwe kabili phakathi kohlelo lwe- Iziqu ze-Financial Engineering kanye ne-Economics kusuka ku-Faculty of Economic and Administration Sciences. Ngenxa yalesi sivumelwano, abafundi bobunjiniyela bezezimali bangaqinisekisa izifundo kusukela kuhlelo lwezifundo zezomnotho futhi, ngokuqeda izifundo ezingekho kanye nokufeza izidingo zeziqu kanye nemithetho yangaphakathi, bathole nesihloko se-Economist.
Ukuze ufinyelele lolu hlobo lwezinga eliphindwe kabili, ngokuvamile kuyadingeka ukuba udlule iphesenti elincane lamakhredithi kohlelo lokuqeqesha lokuqala, ngokuvamile cishe u-60%. Empeleni, kunconywa ukuthi kucatshangelwe ukuhambahamba ngasekupheleni kwesemester yesithupha, lapho umfundi esevele enesisekelo esiqinile esidingweni sakhe esiyinhloko.
Esinye isivumelwano esivamile yilesi esihlanganisa Ubunjiniyela Bezezimali oneziqu ze-Bachelor's in Finance ezivela eyunivesithi yangaphandleIsibonelo, i-University of Colima eMexico. Kulesi simo, umfundi uchitha unyaka wezifundo esikhungweni esibambisene naye, ethatha izifundo ohlelweni lwe-Bachelor of Finance olufakwe esivumelwaneni, bese ebuyela eyunivesithi yakubo ukuyoqedela izifundo ezisele kanye nethisisi yakhe.
Izimo ezijwayelekile zokuthola lesi sifundo samazwe ngamazwe ezimbili zifaka phakathi, ngaphezu kwephesenti lezikweletu ezidlulisiwe, isibopho ukugcwalisa nokudlulisa ngokugcwele izihloko ezichazwe esivumelwaneniUkuqedela ukuhlala unyaka owodwa edolobheni elifanele (isibonelo, iColima), bese uqeda noma yiziphi izifundo ezisele kanye nenketho yeziqu ezikhethiwe eyunivesithi yasekhaya. Ngokuvamile kunconywa ukuthi ungakayithathi izifundo ezithile zokuzikhethela (njenge-Free Choice noma i-Specialization Track) ukuze kube lula ukudluliselwa kwesikweletu okulandelayo.
Kukhona nezivumelwano zeziqu ezimbili nezinhlelo ezifana Ubunjiniyela Bezentengiselwano emanyuvesi aseChileIsibonelo, e-Catholic University of the North. Kulezi zimo, umfundi wobunjiniyela bezezimali uchitha unyaka emadolobheni afana neCoquimbo ne-Antofagasta, lapho ethatha khona izifundo ohlelweni lwe-Commercial Engineering oluchazwe esivumelwaneni, futhi lapho ebuyela eyunivesithi yakhe, uqedela uhlelo lwe-financial engineering kanye nephrojekthi yakhe yeziqu zokugcina.
Izidingo zalezi ziqu ezimbili zomhlaba wonke zivame ukufana: dlula okungenani ama-60% amakhredithi ohlelweni lweziqu zokuqalaUkuze uqedele zonke izifundo ezichazwe esivumelwaneni, thatha uhlelo lokushintshana lonyaka owodwa, bese uqedela noma yiziphi izifundo ezisele kanye nenketho yeziqu. Futhi, kunconywa ukubhukha ezinye izifundo ozikhethela zona (Ukukhetha Okukhululekile, Izindawo Zokugcizelela, noma Okuhambisanayo) ukuqinisekisa inqubo yokudlulisa isikweletu ebushelelezi ngangokunokwenzeka.
Ukufunda kwamanye amazwe kanye nendima yamapulatifomu ezemfundo
Ngale kweziqu eziphindwe kabili ezithile, abafundi abaningi bafuna phila isipiliyoni sezemfundo samazwe ngamazwe ngesikhathi sezifundo zabo zobunjiniyela bezezimali. Ukufunda kwamanye amazwe akugcini nje ngokubavumela ukuthi bathuthukise amakhono abo olimi futhi bafunde ngezinye izinhlelo zezimali, kodwa futhi nokwandisa inethiwekhi yabo futhi bathuthukise isimo sengqondo somhlaba wonke esibaluleke kakhulu kulo mkhakha.
Kunezinkundla ezikhethekile ezisebenza njenge izinjini zokusesha zezinhlelo zaseyunivesithi emhlabeni jikeleleLawa mawebhusayithi asiza ukuxhumanisa izigidi zabafundi namanyuvesi nezikole zebhizinisi. Ahlanganisa ulwazi ngeziqu ze-master, iziqu ze-bachelor, kanye nezifundo zobunjiniyela bezezimali, ezezimali ezilinganiselwe, kanye nemikhakha ehlobene, okwenza kube lula ukuqhathanisa izinketho nezidingo.
Ngokusho kwedatha evela kwezinye zalezi zingxenyekazi, njalo ngonyaka Amashumi ezigidi zabasebenzisi asebenzisa lezi zinjini zokusesha Ukuze uthole izinhlelo emazweni ahlukene, hlunga ngendawo yokufunda, indlela (ngokwakho mathupha, ku-inthanethi, ku-hybrid), noma ngohlobo lweziqu. Ngale ndlela, labo abafisa ukuchwephesha kwezobunjiniyela bezezimali bangathola kalula amanyuvesi anesiko locwaningo lwezibalo noma anezinhlelo zokushintshana ezikhangayo.
Indlela ivame ukucaca: inhloso ukukhuthaza abafundi abaningi ukuthi hamba uye phesheya futhi ube ochwepheshe abanombono womhlaba wonkeLokhu kuhlanganiswa kokuqeqeshwa kobuchwepheshe kanye nolwazi lwamazwe ngamazwe kuhambisana kahle nezidingo zemakethe yemisebenzi yezezimali, lapho kuvamile ukusebenza namaqembu namakhasimende avela emazweni ahlukene.
I-FinTech kanye nobudlelwano bayo nobunjiniyela bezezimali
Ukuvela kwe- I-FinTech kanye nezezimali zedijithali Lokhu kugcizelele ukubaluleka kobunjiniyela bezezimali. Amanyuvesi amaningi nezikhungo zokuqeqesha manje anikeza izifundo ezithile ezihlanganisa izisekelo zobunjiniyela bezezimali nezihloko zokusungula izinto ezintsha emkhakheni wezezimali.
Lezi zinhlobo zezifundo zivame ukuqala nge- Umbono obanzi wokuthi i-FinTech iguqula kanjani ezezimaliIzinto ezintsha ezishintshe indlela izinkampani nabasebenzisi abenza ngayo izinkokhelo, abalondoloza, abatshale imali noma abacela ngayo ukuxhaswa ngezimali ziyahlaziywa, kanye nendima yamapulatifomu edijithali, ama-neobank kanye ne-financial bigtech.
Ngemva kwalokho, okulandelayo kuzoxoxwa ngakho: izisekelo zezimakethe zezimali kanye nokuhwebaLesi sigaba sichaza izinhlobo zezimpahla (amasheya, amabhondi, ama-derivatives, ama-cryptocurrencies, njll.), ukuguquguquka kwentengo, ukwakheka kwemakethe, kanye nomthelela wolwazi. Lesi sisekelo sibalulekile ekuqondeni amasu okulinganisa kanye nama-algorithms okuhweba okuzenzakalelayo.
Esinye sezigaba zakamuva kakhulu sigxile ku- Ubuchwepheshe be-Blockchain kanye ne-cryptocurrenciesLezi ziyaziwa nangokuthi izimpahla zedijithali. Ucwaningo lwenziwa mayelana nokuthi amanethiwekhi angahlukaniswa kanjani avumela kanjani ukuthengiselana okuphephile ngaphandle kwabalamuli bendabuko, nokuthi lobu buchwepheshe bungasetshenziswa kanjani ukudala amamodeli ebhizinisi amasha kanye nezinhlelo zokushintshana ngenani.
Imodyuli enikezelwe ku- amasu okuhweba ayisisekelo kanye nokuphathwa kwezingoziLesi sigaba sihlaziya amathuluzi asetshenziswa ukunciphisa ukuguquguquka, ukulawula ukuchayeka ezicini ezahlukene zengozi, kanye nokuklama amaphothifoliyo aqinile kakhulu. Sichaza ukuthi ubunjiniyela bezezimali buhlinzeka kanjani ngesisekelo esidingekayo sokulinganisa ukuze izixazululo ze-FinTech zingabi nje "izinhlelo zokusebenza ezinhle," kodwa zisekelwe kumamodeli aqinile.
Esinye isici esibalulekile yi- ukwenza ngokuzenzakalelayo kokuhweba kusetshenziswa ama-algorithmsKubonisa indlela ubuchwepheshe obuvumela ngayo ama-oda okuthenga nokuthengisa ukuthi aqaliswe ngokusekelwe emithethweni echazwe ngaphambilini, amamodeli ezibalo, noma izimpawu ezikhishwe kudatha eningi, kunciphisa ukucwasa ngokomzwelo nokwandisa isivinini sokusabela ezinguqukweni zemakethe.
Ekugcineni, lezi zifundo zivame ukuphetha ngesigaba esithi umthethonqubo kanye nokuphepha endaweni yezezimali yedijithaliIzinhlaka zomthetho ezithinta imisebenzi ye-FinTech ziyachazwa, kufaka phakathi izidingo zokuvikela idatha, ukulwa nokuhlanzwa kwemali kanye nokugcinwa kwempahla, kanye nemikhuba emihle yokusebenza ngokuphephile ohlelweni oluhlala lushintsha, kufaka phakathi ukuvimbela imikhonyovu ebonakalayo.
Konke lokhu okuqukethwe kusekelwa ngqo yi- izisekelo zobunjiniyela bezezimalinjengoba amamodeli engozi, amathuluzi okulinganisa, kanye namasu okwenza ngcono kuseyinsika lapho kwakhelwe khona izixazululo eziningi ze-FinTech.
Ubunjiniyela bezezimali buvezwa njenge isiyalo esiguquguqukayo, esinobungani esixhumene kakhulu namaqiniso ebhizinisi kanye nobuchwepheshe bamanje.Ngezifundo ze-undergraduate, izinhlelo ezikhethekile ze-postgraduate, iziqu ezimbili, kanye nezinhlelo ezigxile ku-FinTech, inikeza amathuba ahlukahlukene kulabo abajabulela ukusebenza ngezinombolo, amamodeli, kanye nezinqumo zezimali ezinomthelela omkhulu.
