我国数字普惠金融的风险控制与管理研究.docVIP

我国数字普惠金融的风险控制与管理研究 l 关键词：数字普惠金融;风险控制;管理研究 Abstract With the rapid development of inclusive finance, a new model has been formed, which is digital inclusive finance. At present, the scope of the research on Inclusive Finance in the theoretical circles is mainly traditional inclusive finance, while the research on digital Inclusive Finance is less, and the research is not in-depth. Therefore, on the basis of the research on inclusive finance, this paper studies the effective combination of digital technology and inclusive finance. Thus, find out the trend of the development of digital inclusive finance, and make up for the lack of research on digital Inclusive Finance at this stage. On the other hand, many scholars study the development of Inclusive Finance only from the traditional point of view, but not from the standpoint of digital technology. Therefore, this paper will also carry out research in this area to supplement the shortcomings of this research field. Firstly, this paper briefly describes the development of the integration of digital technology and inclusive finance, and combines the successful experience of promoting Inclusive Finance Development in China to analyze the current situation of development. Find out some problems in the development of Inclusive Finance and the combination of digital technology, and put forward corresponding suggestions for these problems. Key words:digital inclusive finance; risk control; Management Research 导论 1.1研究背景与意义 普惠金融的概念最早是在2005年在联合国小额信贷国际年中提出的。该概念的提出是金融业在理论、制度与实践创新中不断摸索出来的，并在我国逐渐得到发展与壮大。特别是在党的十八届三中全会中正是将发展地区普惠金融作为金融改革的重要方向。然而目前我国很多优质的金融资源大都集中在东部沿海发达区域，金融资源的不均衡性导致了不同地区地方经济发展水平和人民收水平的差距。即使是在相对开放与发达的地区，很多优质的金融资源也都集中在国企、央企以及高收入人群手中，这对于当地中小企业、农村农业企业和低收入人群而言极不公平，他们也很难有机会获取好的金融服务，这不利于我国小康社会的建设。 普惠金融的发展有着重要的意义它在很大程度上能够为我国的中小企业、农村企业提供更优质的金融服务，促进地区经济的发展和人民生活水平的提升，加快各地区扶贫脱贫进程，实现全国经济均衡发展。此外，普惠金融的研究对于完善我国的社会主义市场经济和金融体系，提高我国金融行业的规模与质量，降低风险，提升风险来临时的应对能力有着重要作用。本研究在参考大量相关研究的基础上对目前普惠金融发展现状进行了介绍，指出了存在的问