摘要
普惠金融的数字基础设施由通信基础设施、数字身份、数字支付、数字信用、数据安全保护体系、数字化监管等六方面构成。总的来看,我国的通讯设施基本实现广覆盖,银行业和第三方支付齐头并进,数字信用服务日趋完善,数据保护体系初步形成,监管科技逐步升级。但也存在数字鸿沟、信用信息分散、风险控制体系不完善、监管科技跟不上金融科技发展等问题。需要从加强通信基础设施、提升用户数字知识、开放征信市场、加强监管技术开发等方面完善普惠金融的数字基础设施。
The digital infrastructure of financial inclusion consists of six aspects:communication infrastructure,digital identity,digital payment,digital credit,data protection system and digital supervision.In general,China’s communication facilities have basically achieved wide coverage,banking and third-party payment have gone hand in hand.Meanwhile,digital credit services have been increasingly improved,a data protection system has taken shape,and regulatory technology has been gradually upgraded.But there also exists problems like digital divide,credit information dispersion,imperfect risk control system and regulatory technology not in line with the development of financial technology,etc.It is necessary to improve the digital infrastructure of financial inclusion from the aspects of strengthening communication infrastructure,enhancing users’digital knowledge,opening credit market,and improving the development of regulatory technology.
作者
程萍
冯兴元
CHENG Ping;FENG Xingyuan(School of Rural Development,University of Chinese Academy of Social Sciences(Graduate School),Beijing 102488,China;Department of Science and Technology and Foreign Affairs,China Academy of Natural Resources Economics,Beijing 101149,China;Rural Development Institute,Chinese Academy of Social Sciences,Beijing 100732,China)
出处
《福建商学院学报》
2020年第5期18-24,共7页
Journal of Fujian Business University
关键词
普惠金融
数字基础设施
支付系统
信用系统
监管系统
financial inclusion
digital infrastructure
payment systems
credit systems
regulatory systems
