Fintech,Digital Financial Inclusion,and National Financial Competitiveness  

作　　者：HU Bin CHENG Xuejun 

机构地区：[1]Institute of Finance&Banking,Chinese Academy of Social Sciences,Beijing 100710,China [2]Koguan School of Law,Shanghai Jiao Tong University,Shanghai 200030,China

出　　处：《China Economic Transition》2022年第2期189-209,共21页当代中国经济转型研究（英文版）

基　　金：This paper is supported by the Key Program of National Social Science Foundation of China(No.13AJY018);the Program of National Social Science Foundation of China(No.16BFX098).

摘　　要：With the rapid development of fintech as represented by the internet,artificial intelligence,blockchain,cloud computing and big data,especially the evolution of big data and deep learning,and the major changes in financial service models and products in recent years,the development of global inclusive finance has undergone different stages,from“micro finance,”through“inclusive finance,”to“digital financial inclusion.”In the context of growing global competition in the financial sector,many countries are promoting digital financial inclusion and formulating applicable national development strategies.Therefore,it is suggested that China should further strengthen support policies,increase its influence on global financial governance,construct a long-term regulatory mechanism for digital financial inclusion,and build digital inclusive financial infrastructure in order to improve the international competitiveness of China’s financial industry.

关 键 词：Fintech digital financial inclusion China’s finance competitiveness 

分 类 号：F49[经济管理—产业经济] F832