本科论文摘 要普惠金融，是一种为公民特别是贫困和低收入人群提供的有效、全面服务的金融体系。如何充分发挥其作用是人们共同关心的问题。中国高度重视普惠金融的存在，并制定了一系列支持性的政策。政策法规为普惠金融的发展提供了很好的外部环境，对于金融监管的制度框架更加的完善并且建立了全面的金融基础设施。但随着普惠金融的发展，隐藏的风险暴露、金融技术和社会经济条件的变化，加速了风险的扩散。为了有效防范普惠金融的风险，本文首先以普惠金融的一般特征为根本，根据普惠金融发展的新特征，对普惠金融风险进行了概括和分析。其次，从风险的角度，看到普惠金融管理的困难和痛点。最后，根据上述研究结果，对普惠金融方案进行了审查，并提出了普惠金融管理的政策建议。关键词：普惠金融，金融风险，监管本科论文AbstractFinancial inclusion is a financial system that provides services to citizens, especially the poor and low-income people, in an effective and comprehensive way. How to give full play to its role is a common concern. China attaches great importance to financial inclusion and has formulated a series of supporting policies. Policies and regulations provide an enabling external environment for the development of financial inclusion, establish a sound financial infrastructure and improve the institutional framework for financial supervision. But with the development of inclusive financing, risk exposure, fintech L, changes in social and economic conditions, accelerating the spread and diffusion of risk, in order to effectively prevent the risk of inclusive financing, the first is the general characteristics. According to the new characteristics of inclusive financial development, financial risk summarizes the inclusive financial risk and its qualitative analysis. Second, from the perspective of risk, we should look at the difficulties and pain in financial inclusion management. Finally, based on the results of the above study, possible fi...
