摘要:金融科技迅速积极了金融产品的科学创新,同时采用循进的方式将人民币国际化和外汇储备多元化有效的结合起来,并通过运用金融工程技术来化解外汇储备中存在的安全风险,这是目前金融科技创新工作人员需要重点考虑的问题。接下来本文将金融科技创新作为此次研究的对象,主要对金融科技创新的机遇以及重大挑战作出详细探讨。abstract:the rapid development of financial science and technology has actively promoted the scientific innovation of financial products. at the same time,the internationalization of rmb has been effectively combined with the diversification of foreign exchange reserves in a step-by-step manner. the financial engineering technology has been used to resolve the security r**ks in foreign exchange reserves,which ** a problem currently to be considered by financial innovation personnel. th** article takes financial science and technology innovation as the object of th** research,and mainly d**cusses the opportunities and major challenges of financial science and technology innovation in detail.关键词:金融科技创新;面临机遇;挑战分析 20210311