中国的数字普惠金融发展:问题与建议  

Development of Digital Inclusive Finance in China:Issues and Suggestions

作　　者：赵洪丹[1,2] 马千 陈丽爽 ZHAO Hongdan;MA Qian;CHEN Lishuang

机构地区：[1]吉林师范大学经济管理与法学学院,吉林四平136000 [2]吉林师范大学教育科学学院,吉林四平136000

出　　处：《吉林金融研究》2022年第9期3-6,共4页Journal of Jilin Financial Research

基　　金：吉林省教育厅项目“乡村振兴战略下吉林省农村金融创新的机制、路径及对策研究”(JJKH20210465SK)的阶段性成果;国家社科基金项目“乡村振兴中的农村金融发展与创新”(21FJYB030)的资助

摘　　要：数字普惠金融在促进经济均衡发展方面发挥着越来越重要的作用,因此发现并解决数字普惠金融发展存在的问题具有重要的现实意义。普遍存在的“数字鸿沟”,严重短缺的金融教育以及建设滞后的征信体系极大地影响了数字普惠金融的发展及其服务实体经济的效果。我国应加强落后地区数字基础设施建设,弥合“数字鸿沟”;构建全民金融教育体系,普及金融知识;扩大全国征信覆盖面,完善征信体系建设。Digital inclusive finance is playing an increasingly important role in promoting balanced economic development,so it is of great practical signifi cance to find and solve the problems existing in the development of digital inclusive finance.The widespread“digital divide”,the serious shortage of financial education and the lagging construction of credit investigation system have greatly affected the development of digital inclusive finance and its eff ect of serving the real economy.China should strengthen the construction of digital infrastructure in backward areas and bridge the“digital divide”.To build a financial education system for the whole people and popularize financial knowledge;We will expand the coverage of credit investigation nationwide and improve the construction of the credit investigation system.

关 键 词：数字普惠金融 数字鸿沟 金融教育 征信体系 

分 类 号：F830[经济管理—金融学]