摘要近年来随着我国经济的发展，与经济相关的金融行业也实现了较大进步，特别是我国众多地区普惠金融发展不断完善，普惠金融政策的提出与落实在很大程度上提高了我国金融行业的规模与效率。因此，本文在对普惠金融进行研究的基础上，从数字技术的层面与普惠金融有效结合在一起的角度进行研究。首先，本文对数字技术和普惠金融融合的发展进行了简要的阐述，并且结合我国推动普惠金融发展的成功经验，共同分析发展现状。找出在普惠金融发展中与数字技术相结合所存在的一些问题，并针对这些问题提出相应的建议。关键词：数字普惠金融；风险控制；管理研究AbstractWiththerapiddevelopmentofinclusivefinance,anewmodelhasbeenformed,whichisdigitalinclusivefinance.Atpresent,thescopeoftheresearchonInclusiveFinanceinthetheoreticalcirclesismainlytraditionalinclusivefinance,whiletheresearchondigitalInclusiveFinanceisless,andtheresearchisnotin-depth.Therefore,onthebasisoftheresearchoninclusivefinance,thispaperstudiestheeffectivecombinationofdigitaltechnologyandinclusivefinance.Thus,findoutthetrendofthedevelopmentofdigitalinclusivefinance,andmakeupforthelackofresearchondigitalInclusiveFinanceatthisstage.Ontheotherhand,manyscholarsstudythedevelopmentofInclusiveFinanceonlyfromthetraditionalpointofview,butnotfromthestandpointofdigitaltechnology.Therefore,thispaperwillalsocarryoutresearchinthisareatosupplementtheshortcomingsofthisresearchfield.Firstly,thispaperbrieflydescribesthedevelopmentoftheintegrationofdigitaltechnologyandinclusivefinance,andcombinesthesuccessfulexperienceofpromotingInclusiveFinanceDevelopmentinChinatoanalyzethecurrentsituationofdevelopment.FindoutsomeproblemsinthedevelopmentofInclusiveFinanceandthecombinationofdigitaltechnology,andputforwardcorrespondingsuggestionsfortheseproblems.Keywords:digitalinclusivefinance;riskcontrol;ManagementResearch目录1.导论…………………………………………………………………………………………11.1研究背景与意义………………………………………………………………………11.2国内外研究现状………………………………………………………………………11.3研究方法………………………………………………………………………………22.相关理论概述…………………………………………………………………………………22.1普惠金融概念…………………………………………………………………………32.2数字普惠金融的定义…………………………………………………………………32.3数字普惠金融的意义…………………………………………………………………33.我国数字普惠金融发展的现状………………………………………………………………43.1征信体系不完善………………………………………………………………………93.2信息安全缺乏长效机制………………………………………………………………93.3金融机构跑路现象较为严峻…………………………………………………………103.4监管机制不健全………………………………………………………………………104.蚂蚁金服的数字普惠金融实践………………………………………………………………94.1蚂蚁微贷的发展…………………………………………………………………44.2蚂蚁微贷的业务情况………………………………………………………54.3蚂蚁微贷的优势………………………………………………………55.完善我国数字普惠金融风险的对策建议…………………………………………………105.1提升数字普惠金融意识………………………………………………………………105.2健全普惠金融信用系统………………………………………………………………105.3建立完整的普惠金融体系……………………………………………………………115.4完善监管体系…………………………………………………………………………11结语……...
