大数据技术破解普惠金融“不可能三角”的理论逻辑、实践基础与路径选择——基于信息不对称理论视角  

The Theoretical Logic,Practical Fundamental and Path Selection for the Big Data Technology on Resolution of"Impossible Trinity"in Inclusive Finance——From the Perspective of Asymmetric Information Theory

作　　者：郭正江 何九仲 黄杰 翟海涛[1] 

机构地区：[1]中国人民银行湖州市中心支行,浙江湖州313000

出　　处：《浙江金融》2021年第10期18-25,共8页Zhejiang Finance

摘　　要：在掣肘普惠金融的关键因素中,信息不对称通常被认为是最为关键的因素。本文基于信息不对称的理论视角,系统性解释了信息不对称如何导致普惠金融"不可能三角"问题,结合大数据技术运用的实践案例,阐述了大数据技术运用有效破解普惠金融"三元悖论"的理论逻辑解释,提出构建普惠金融新基建的演化路径选择策略。Generally,asymmetric information is considered as one of the most important keys impeding the development of inclusive finance.This paper explains systematically,from the perspective of asymmetric information theory,how it leads to the problem of“Impossible Trinity”in inclusive finance.By using big data technology,this paper also comes up with a possible theoretical logical explanation on how to resolve effectively the problem of“Impossible Trinity”in inclusive finance.Finally,this paper concludes possible strategies on how to choose the evolutionary path in the construction of inclusive financial infrastructure.

关 键 词：大数据 普惠金融 不可能三角 信息不对称 

分 类 号：F832.2[经济管理—金融学]