多类型多层级金融科技产品和机构分类体系数据集

本数据集的核心目标是深入探讨金融科技的实质和范畴，并建立一套科学且严格的金融科技产品与机构分类标准。数据来源于官方公开发布的与金融科技有关的文件、第三方发布的金融科技企业名录等文本信息以及“IDC 中国Fintech 50榜单”。经多源汇总、关键词提取、文本向量嵌入、无监督聚类、人工校对构成产品和机构分类数据集。机构分类围绕3个技术维度与6个业务场景维度，产品分类围绕8个技术维度与6个业务场景维度，形成涵盖金融科技机构与产品的多类型多层次分类框架及标准化数据字典，实现对金融科技相关风险的准确评估和管理。数据集旨在为监管机构提供清晰的监管指导，以保障金融市场的稳固和消费者权益，同时也为金融机构提供决策支持，帮助它们在激烈的市场竞争中优化风险控制和提升服务水平。

The core objective of this dataset is to deeply explore the essence and scope of fintech, and establish a scientific and rigorous classification standard for fintech products and institutions. The data is sourced from officially publicly released fintech-related documents, third-party published text information such as fintech enterprise directories, and the IDC China Fintech 50 Ranking. The product and institution classification dataset is constructed through multi-source aggregation, keyword extraction, text vector embedding, unsupervised clustering, and manual proofreading. The institutional classification is based on 3 technical dimensions and 6 business scenario dimensions, while the product classification is based on 8 technical dimensions and 6 business scenario dimensions, forming a multi-type and multi-level classification framework and standardized data dictionary covering fintech institutions and products, enabling accurate assessment and management of fintech-related risks. This dataset aims to provide clear regulatory guidance for regulatory authorities to ensure the stability of the financial market and protect consumer rights and interests, while also providing decision-making support for financial institutions, helping them optimize risk control and improve service levels amid fierce market competition.