信息通信技术与政策

信息通信技术与政策

信息通信技术与政策 ›› 2019, Vol. 45 ›› Issue (7): 10-16.

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我国数字普惠金融基本情况与发展策略研究

Research on the basic situation and development strategy of digital financial inclusion in China

  

  • 出版日期:2019-07-15 发布日期:2020-11-26
  • 作者简介:
    马聪:中国信息通信研究院云计算与大数据研究所金融科技部政策与产业咨询总监
    彭丹萍:中国信息通信研究院云计算与大数据研究所金融科技部高级顾问

  • Online:2019-07-15 Published:2020-11-26

摘要: 数字普惠金融是普惠金融与新兴数字化技术深度融合的产物,既有数字金融的经济意义,又有普惠金融的社会意义。了解数字普惠金融的发展现状及发展环境,剖析数字普惠金融发展进程中面临的问题与挑战,对该领域有系统性的认识,有利于优化和完善我国数字金融与普惠金融的发展,切实激发数字技术对金融领域的支撑作用。进一步为实体经济的发展提供坚实的基础,助力脱贫攻坚、乡村振兴等重点工作。

关键词: 数字金融, 普惠金融, 数字化技术, 金融科技

Abstract: Digital financial inclusion is the product of the deep integration of financial inclusion and emerging digital technology. It has both the economic significance of digital finance and the social significance of financial inclusion. This article is based on understanding the basic situation of development of digital financial inclusion, deeply analyzing the problems and challenges faced in the development of digital inclusive finance, and systematic understanding of the field, which is conducive to optimizing the development of digital finance and financial inclusion in China, effectively stimulating the support of digital technology in the financial sector, providing a solid foundation for the development of the real economy, and promoting the development of key tasks such as poverty alleviation and rural revitalization.

Key words: digital finance, financial inclusion, digital technology