Digital inclusive finance development prospects broad
May 08, 2019 09:00 Source: "China Social Sciences" May 8, 2019, Total 1687 Author: This reporter Zhang Yi Xin

Institute of the Institute of Finance of the Chinese Academy of Social Sciences、The International Symposium on the International Symposium on the International Symposium on the International Symposium on the International Summit of the National Finance and Development Laboratory: Digital Inclusive Finance Help the Real Economy "was held in Beijing a few days ago,Experts and scholars from the meeting around inclusive finance theory、Practice and future depth discussions。

In recent years,The Party Central Committee and the State Council attach great importance to the development of inclusive finance,Emphasize the construction of an inclusive financial system,Strengthen small and micro enterprises、"Three -rural" and financial services in remote areas。But,my country's financial dual structure problem is still prominent,A large number of small, medium and micro enterprises and disadvantaged people are excluded from the service scope of the financial system,The real economy of the financial service still has shortcomings。The development of fintech and the digitalization of financial services,Promoting the real breakthrough of the "last mile" of inclusive finance。

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Financial supply -side structural reform is the core task of the current bet365 best casino games financial industry in my country。Chairman of the National Financial and Development Lab、Li Yang, a member of the School of Social Sciences of the Chinese Academy of Social Sciences,We want to think of finance from the real economy,Then return from finance to the real economy。Only this,We are exploring financial reform、Financial development,It will not become a passive water、No wood,China's economy can also re -gain a stable growth pattern,Active contribution to global economic stability。In his opinion,Inclusive Finance is nothing more than to allow everyone who has reasonable financial needs to be based on a reasonable price,Get financial services decently。At present, it is not based on traditional financial products and services that cannot solve this problem,You must open a new way,is to solve inclusiveness through the development of fintech、Technology industrialization and other problems。

,Hu Bin, deputy director of the Institute of Finance of the Chinese Academy of Social Sciences, released the "Inclusive Finance: Theory、Innovation and Practice "Report。Report display,China's digital inclusive financial industry development overall situation is good,Basic financial service coverage is continuously expanded,F inclusive financial services continue to extend to the grassroots,Financial acquisition continuously increased in weak fields。Bet365 lotto review where,my country performs well in mobile payment,China Monetary Market Fund has achieved rapid development by digital technology in recent years。

 Digital drivers form a new model of inclusive finance

Yang Nong, deputy secretary general of the China Internet Finance Association, said,The current new round of scientific and technological revolution and industrial changes are in the ascendant,Digital waves flourish,More and more new technologies、Business model and service model penetrate into the field of inclusive finance,A new model of inclusive finance driven by digitalization is accelerating globally。In this context,Give full play to the advantages and application advantages of my country's Internet scale,Relying on advanced digital technology to promote the development of inclusive finance,It has important practical significance。

Deputy Director of the Digital Economy Research Center of Renmin University of China, Cheng Hua believes,The development of digital technology itself is inclusive and inclusive,Therefore, the development of technology finance is born with inclusiveness。Development of digital technology,Reduced the cost of supply,Constructed the omnipresent network,promoted the mid -length tail theory of the digital economy、The occurrence of concepts such as zero -border interstellar cost,The concept of digital finance was also born。bet365 Play online games Digital Finance has served low net worth individuals and small and micro enterprises since its birth,Under this,Fintech connects more individuals and enterprises into the network of financial services,reduced the cost of financial services and product operation,Constructing a more wide financial service market than traditional technologies,Therefore, more innovative institutions have been spawned、Innovative products。Fintech companies use their own technology、Data、Model advantage,Provide services to existing traditional financial institutions。

Ouyang Rihui, deputy dean of the China Internet Economics Research Institute of Central University of Finance and Economics, believes,Fintech serves the real economy,It is necessary to reduce financial costs through scientific and technological means,Control financial risk,This is the two major difficulties of inclusive finance。

Experts on the meeting said,Digital Pratt & Whitney Financial Through digital technology,Can be able to cost at a lower cost、convenient way to serve more users。In the future,Artificial intelligence technology will reduce financial costs,Provide better inclusive financial services。but in the current,Financial service business involves complicated situation,Therefore, artificial intelligence technology cannot make full use in bet365 live casino games related fields。Therefore, in the research and development of such artificial intelligence products,Can't rely entirely on digital technology,It also needs to be combined with practical experience in the financial field。

  Promote the sustainable development of digital inclusive finance

The rapid development of China Fintech has opened up a new situation for digital inclusive finance,Effectively solved the world's financial difficulties,and promote China's financial industry to achieve curve overtaking。But according to the "Inclusive Finance in Development: Theory、Innovation and Practice "display,At present, my country's inclusive financial system is targeting farmers、Small and micro enterprises and the coverage of inclusive financial services with low -income groups such as small and micro enterprises and urban low -income people、Convenience、acquisition and security,There is still much room for improvement。

Yang Nong emphasized,Financial service agencies should provide responsible digital inclusive financial services。"Responsibility" is the key concept of digital inclusive finance,Financial service agencies should take a responsible way to carry out business,Pay attention to the legitimate rights and interests of the protection of the service object。Current,The foundation of credit and trust in the field of inclusive financial is relatively weak,Insufficient financial literacy and bet365 live casino games risk awareness of customers,Therefore, it is necessary to advocate the concept of "responsible finance"。

Hu Bin said,With the popularity of digital inclusive financial technology and the improvement of inclusive financial levels,my country should actively integrate into the global governance system,The top -level design of strengthening digital inclusive finance,From the development of short -term rectification to establishing a long -term regulatory mechanism,Launch the Chinese version of "Supervision Sand Box" as soon as possible。To improve China's financial regulatory agency、Fintech Company、The participation of academic institutions in the field of international fintech,Gradually strengthen the right to speak in the international financial regulatory system,Encourage Chinese fintech companies to "go global"。other,It should also strengthen the construction of the rural digital inclusive financial system,Dredging the source of the financial rejuvenation in the new era,Strengthen the construction of inclusive financial infrastructure,Construction of the competition cornerstone of Chinese digital inclusive finance。

Editor in charge: Cui Cen
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