数字经济背景下普惠金融的发展路径与策略探究

• 作者： 唐海霞 ¹
• 作者单位：
  1.  广州华商学院
• 发布时间：2024-10-17

摘要: 近些年，随着我国金融领域数字化转型速度的全面加快，数字普惠金融依托数字技术赋能，实现了金融触角的全面延伸，小微企业等弱势群体服务的金融环境得到了极大改善，金融服务广度、深度效率全面提高，进一步降低了金融服务的供给成本投入。这些年，我国金融领域的普惠金融业务发展已经获得了突出成果，但是在基础建设、客户触达、风险管理等方面仍存在一系列问题和挑战。数字普惠金融，以成本投入低、服务过程便捷、触达率较高等优势，为我国金融业转型提供了新思路。基于此，文章分析了数字经济下普惠金融发展现状，并提出了未来的优化措施，以供参考。

Abstract: With the comprehensive acceleration of digital transformation in China’s fi nancial sector in recent years, digital inclusive fi nance relies on digital technology empowerment to achieve comprehensive extension of fi nancial sector, greatly improving the fi nancial environment for vulnerable groups such as small and micro enterprises. The breadth and depth effi ciency of fi nancial services have been comprehensively improved, further reducing the supply cost investment of fi nancial services. In recent years, the development of inclusive fi nance in China’s fi nancial sector has achieved outstanding results, but there are still a series of problems and challenges to be solved in infrastructure construction, customer outreach, risk management, and other aspects. Digital inclusive finance, with its advantages of low cost investment, convenient service process, and high reach rate, provides new ideas for the transformation of China’s fi nancial industry. Based on this, the article analyzes the current development status of inclusive fi nance under the digital economy and proposes future optimization measures for reference.

• 分类： 应用经济学 >> 金融学
• 稿件状态： 已在期刊出版
期刊名称： 《中国商论》 2024年 第18期
• 引用： PSSXiv:202410.01471 (或此版本 PSSXiv:202410.01471V1)
  DOI:10.19699/j.cnki.issn2096-0298.2024.18.110
  CSTR:32012.36.PSSXiv.202410.01471
• 推荐引用方式： 唐海霞.数字经济背景下普惠金融的发展路径与策略探究.中国商论,2024(18).[DOI:10.19699/j.cnki.issn2096-0298.2024.18.110] (点此复制)