我国数字普惠金融发展的问题与对策ProblemsandcountermeasuresofdigitalinclusivefinancedevelopmentinChina摘要近年来由于中国市场经济的蓬勃发展,与市场经济密切相关的中国金融产业规模也实现了很大提升,尤其是在中国许多地方的普惠金融发展体系不断完善,而普惠金融政策措施的制定和实施也在较大程度上提升了中国金融产业的发展规模和效益。所以,文章在对普惠金融政策展开了深入研究的基础上,从数字技术的层面将普惠金融与有效整合到一起的新视角展开了深入研究。首先,文章中对数字技术与普惠金融融合发展的进展情况做出了简单的介绍,同时结合中国推动普惠金融发展的实际经验,共同剖析了发展状况。找出了在普惠金融发展中和数字技术相结合时所面临的若干问题如征信系统不完善,基础设施建设和服务理念建设严重滞后,机构内部存在不负责任的管理行为,以及宏观层面金融监管体系有待进一步完善,并根据上述问题给出了相对应的管理建议。最后得到满意的答案，实现最后的可持续发展。关键词：数字普惠金融ProblemsandCountermeasuresofDigitalInclusiveFinanceDevelopmentinChinaAbstractInrecentyearsduetotherapiddevelopmentofChina'smarketeconomy,iscloselyrelatedtothemarketeconomyofChina'sfinancialindustryisthesubstantialimprovements,especiallyinmanypartsofChinapratt&whitneysystemperfectingfinancialdevelopment,financialpolicyandpratt&whitneymeasuresformulatedandimplementedinalargeextent,alsopromotedthedevelopmentofChina'sfinancialindustryscaleandbenefit.Therefore,onthebasisofin-depthresearchoninclusivefinancepolicy,thepapercarriesoutin-depthresearchonthenewperspectiveofintegratinginclusivefinanceandeffectiveintegrationfromtheperspectiveofdigitaltechnology.Firstofall,thepapermakesabriefintroductiontotheprogressoftheintegrationofdigitaltechnologyandinclusivefinance,andanalyzesthedevelopmentsituationtogetherwithChina'spracticalexperienceinpromotingthedevelopmentofinclusivefinance.Foundinthefinancialdevelopmentofpratt&whitneyanddigitaltechnologyfacedsomeproblems,suchasthecombinationofcreditreportingsystemisnotperfect,theconstructionofinfrastructureandserviceconceptconstructionlagsbehind,agencieswithinthemanagementoftheirresponsiblebehavior,aswellasthemacrofinancialregulatorysystemneedstobefurtherperfect,andaccordingtotheaboveproblemsaregiventhecorrespondingmanagementadvice.Finally,asatisfactoryanswerisobtainedtoachievesustainabledevelopment.KeyWords：Digitalfinancialinclusion目录摘要.....................................................................................................................................IAbstract..................................................................................................................................II一、引言................................................................................................................................1（一）研究背景.............................................................................................................1（二）研究目的与意义.................................................................................................1（三）研究思路与研究内容.........................................................................................2（四）研究方法与创新之处........................................................................................2二、理论基础与研究综述....................................................................................................4（一）理论基础.......................................................................................
