摘要
数字技术是解决信息不对称的技术,是核心金融科技。数字技术在提升金融普惠性的同时,也存在着风险、成本及能力边界。从我国数字金融实践看,既有大量成功经验,也不乏一些'成长中的烦恼'。本文以我国数字金融实践为基础,结合国际上金融领域动态演变的技术应用趋势,侧重于从如何提升金融普惠边界以及有效防控风险角度,对数字金融的普惠机制、风控有效性展开研究,并对推动数字普惠金融可持续发展提出相关建议。
Digital technology is a core financial technology that solves information asymmetry.While digital technology enhances financial inclusiveness,there are also risks,costs and capacity boundaries.From the perspective of China’s digital finance practice,there are a lot of successful experiences,as well as some'growing troubles'.Based on China’s digital financial practice and the trend of technology application in the international finance,This paper will study the inclusive mechanism and the risk control of digital finance from the perspective of improving financial inclusive boundaries and risks control.Finally,this paper will put forward recommendations on promoting the sustainable development of digital inclusive finance.
出处
《新金融评论》
2019年第1期122-148,共27页
New Finance Review
基金
中国金融四十人论坛(CF40)“中国数字普惠金融发展研究”课题成果的简版,课题经中国金融四十人论坛组织专家进行讨论和评审。课题主持人为纪志宏,课题组成员包括纪敏、莫秀根等。
关键词
数字技术
数字普惠金融
可持续发展
Digital Technology
Digital Inclusive Finance
Sustainable Development
