数字金融与数字普惠金融分析

Wen Zuo
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引用次数: 0

摘要

近年来,数字金融发展非常迅速。随着社会经济的发展,社会各界应加强对普惠金融的认识,进一步推动现代普惠金融的实践。传统普惠金融的发展面临着业务覆盖面窄、信息供需不对称、服务交易成本高等问题。为了降低发展中国家和新兴经济体的贫困水平,二十国集团和世界银行从2010年开始牵头努力增加发展中国家的普惠金融[1]。利用现代数字技术促进数字普惠金融发展,对经济增长具有积极影响。本文对数字金融和数字普惠金融进行了简要概述,讨论了数字金融对普惠金融的影响,并梳理了近年来数字金融或数字普惠金融发展中存在的问题和挑战,并提出了一些建议。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
The Analysis of Digital Finance and Digital Inclusive Finance
In recent years, digital finance has developed very rapidly. With the development of social economy, the society should strengthen the understanding of Inclusive Finance and further promote the practice of modern Inclusive Finance. The development of traditional inclusive finance faces the problems of narrow business coverage, asymmetric information supply and demand, and high service transaction costs. In order to reduce poverty levels in developing countries and emerging economies, the G-20 and the world bank is leading efforts to increase Inclusive Finance in developing countries from 2010[1]. Promoting the development of digital inclusive finance through modern digital technology has a positive impact on economic growth. This paper gives a brief overview of digital finance and digital Inclusive Finance, discusses the impact of digital finance on financial inclusion, which also combs the problems and challenges of the development of digital finance or digital inclusive finance in recent years, and puts forward some suggestions.
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