Abstract:With remarkable achievements in optimizing the local financial structure and inclusive finance, China’s fin-tech export to Southeast Asian countries has experienced expansion, uncontrolled growth and standardized development. However, there are problems with the mode of fin-tech export majored in micro-lending and payment and settlement, such as field deviation and unbalanced development. These problems have revealed the limited depth of financial innovation and conflicts with regulatory technology. The structural imbalance fails to effectively export the supporting system required by financial technology and restricts the self-repair and in-depth reform of the system. Value deficiency in China’s fin-tech export can be solved by focusing on quality rather than quantity. China’s fin-tech export shall not only transplant financial products but also guide financial value, reform outdated rules and push institutional evolution. In this process, the harmonies of technology output and value output, mode output and system output, market promotion and policy cooperation are crucial to the sustainable development of China’s fin-tech export to better protect local financial consumers.
The Chinese version appeared in Social Siences in Yunnan, 2022,(02).