我国数字普惠金融发展的问题与对策

我国数字普惠金融发展的问题与对策摘要近年来由于中国市场经济的蓬勃发展，与市场经济密切相关的中国金融产业规模也实现了很大提升，尤其是在中国许多地方的普惠金融发展体系不断完善，而普惠金融政策措施的制定和实施也在较大程度上提升了中国金融产业的发展规模和效益。所以，文章在对普惠金融政策展开了深入研究的基础上，从数字技术的层面将普惠金融与有效整合到一起的新视角展开了深入研究。首先，文章中对数字技术与普惠金融融合发展的进展情况做出了简单的介绍，同时结合中国推动普惠金融发展的实际经验，共同剖析了发展状况。找出了在普惠金融发展中和数字技术相结合时所面临的若干问题如征信系统不完善，基础设施建设和服务理念建设严重滞后，机构内部存在不负责任的管理行为，以及宏观层面金融监管体系有待进一步完善，并根据上述问题给出了相对应的管理建议。最后得到满意的答案，实现最后的可持续发展。关键词：数字普惠金融-I-Problems and Countermeasures of Digital Inclusive FinanceDevelopment in ChinaAbstractIn recent years due to the rapid development of China's market economy,is closelyrelated to the market economy of China's financial industry is the substantialimprovements,especially in many parts of China pratt &whitney system perfectingfinancial development,financial policy and pratt &whitney measures formulated andimplemented in a large extent,also promoted the development of China's financial industryscale and benefit.Therefore,on the basis of in-depth research on inclusive finance policy,the paper carries out in-depth research on the new perspective of integrating inclusivefinance and effective integration from the perspective of digital technology.First of all,thepaper makes a brief introduction to the progress of the integration of digital technology andinclusive finance,and analyzes the development situation together with China's practicalexperience in promoting the development of inclusive finance.Found in the financialdevelopment of pratt &whitney and digital technology faced some problems,such as thecombination of credit reporting system is not perfect,the construction of infrastructure andservice concept construction lags behind,agencies within the management of theirresponsible behavior,as well as the macro financial regulatory system needs to be furtherperfect,and according to the above problems are given the corresponding managementadvice.Finally,a satisfactory answer is obtained to achieve sustainable development.Key Words:Digital financial inclusionII-目录摘要Abstract.一、引言…(一)研究背景(二)研究目的与意义(三)研究思路与研究内容….2(四)研究方法与创新之处二、理论基础与研究综述.…4(一)理论基础…4(二)研究综述.…三、我国数字普惠金融发展的概况(一)国内商业银行的探索…61.设立普惠金融专职机构…62.加强基础设施建设.63.创新金融服务和金融产品.6(二)非银行金融机构探索的典型案例.71.阿里巴巴的蚂蚁金月服.72.平安集团的平安普惠….8四、我国数字普惠金融面临的问题.…10(一)我国当前的征信体系不健全10(二)基础设施建设和理念建设落后….10(三)金融机构存在不负责任的行为.10(四)宏观监管尚待完善…11五、我国数字普惠金融发展策略….12(一)提高金融消费者金融素养，健全征信体系…121.投资者应自觉提高金融素养.122.扎实推进消费者金融知识教育.…12(二)稳步提高基础设施覆盖率和覆盖范围」j.12(三)强化数字普惠金融供给者的责任…131.提供适当安全的金融产品和服务….132.协调数字化金融创新与风险控制.13(四)健全法律体系，完普监管..141.加强数字普惠金融法律体系建设142.完普监管体系.14结论.15