摘要
作为传统普惠金融发展的优化产物,数字普惠金融有效突破了传统金融服务的地域限制,降低了金融产品的负担和成本,扩大了普惠金融的服务对象范围,并通过数字技术为融资困难群体提供了便利的金融服务环境。然而,在持续发展过程中,数字普惠金融存在区域差异。因此,对数字普惠金融发展动因、影响以及区域发展差异的研究,有助于因地制宜的完善数字普惠金融数据统计口径、促进数字普惠金融多维度均衡化发展,并进一步推动数字普惠金融区域协调发展,使其在提升区域经济增长、改善民间融资环境、增进民生福祉等方面发挥更大作用。
As an optimized product stemming from the evolution of traditional inclusive finance,digital inclusive finance effectively transcends the geographical constraints inherent in traditional financial services.It alleviates the burden and cost associated with financial products,broadens the research of inclusive finance services,and seamlessly furnishes a userfriendly financial service ecosystem for groups encountering financing difficulties through digital technology.However,digital financial inclusion presents regional differences in the process of continuous development.Therefore,research on the drivers,influence and regional disparities affecting the development of digital inclusive finance will contribute to tailoring digital inclusive finance data statistics according to local conditions,promoting multidimensional and balanced development of digital inclusive finance,and further advancing the coordinated development of regions in digital inclusive finance.This will enable it to play a greater role in boosting regional economic growth,improving the private financing environment,and improving people’s well-being.
出处
《科学决策》
2024年第4期153-167,共15页
Scientific Decision Making
关键词
数字普惠金融
区域差异
发展动因
均衡性
digital inclusive finance
regional disparities
development motivation
balance
