摘要
金融科技的快速发展为普惠金融的实现提供了新的路径与技术支持，本研究旨在探讨金融科技在推动普惠金融发展中的作用及其机制。基于此背景，本文通过构建理论框架并结合实证分析方法，选取了涵盖多个维度的指标体系，对金融科技在提升金融服务可得性、降低交易成本以及优化资源配置等方面的作用进行了系统研究。研究发现，金融科技的应用显著提高了金融服务的覆盖面和效率，特别是在偏远地区和低收入群体中表现出更强的包容性特征。此外，大数据、人工智能等技术手段有效缓解了信息不对称问题，从而降低了金融机构的风险成本。本文的创新点在于首次将金融科技的具体技术模块与普惠金融的核心目标相匹配，并通过量化模型验证了其实际效果。研究结果表明，金融科技不仅能够改善传统金融服务的局限性，还为构建更加公平、高效的金融体系提供了可行方案。这一结论为政策制定者和行业实践者提供了重要参考，有助于进一步推动金融科技与普惠金融的深度融合与发展。
关键词：金融科技；普惠金融；信息不对称；资源配置；包容性特征
Abstract
The rapid development of fintech has provided new pathways and technical support for the realization of inclusive finance. This study aims to explore the role and mechanisms of fintech in promoting the development of inclusive finance. Against this backdrop, this paper constructs a theoretical fr amework and employs empirical analysis methods, selecting an indicator system covering multiple dimensions to systematically investigate the effects of fintech on enhancing the accessibility of financial services, reducing transaction costs, and optimizing resource allocation. The findings indicate that the application of fintech significantly increases the coverage and efficiency of financial services, demonstrating stronger inclusiveness characteristics, particularly in remote areas and among low-income groups. Moreover, technological tools such as big data and artificial intelligence effectively alleviate information asymmetry, thereby reducing the risk costs for financial institutions. A key innovation of this paper lies in its first-time matching of specific fintech modules with the core ob jectives of inclusive finance, further validating their practical effects through quantitative models. The results show that fintech not only improves the limitations of traditional financial services but also offers feasible solutions for building a more equitable and efficient financial system. This conclusion provides critical references for policymakers and industry practitioners, facilitating the further integration and development of fintech and inclusive finance.
Keywords：Fintech; Inclusive Finance; Information Asymmetry; Resource Allocation; Inclusiveness Characteristic
目 录
摘要 I
Abstract II
一、绪论 1
(一) 研究背景与意义 1
(二) 国内外研究现状综述 1
(三) 研究方法与技术路线 2
二、金融科技在普惠金融中的应用基础 2
(一) 金融科技的核心技术解析 2
(二) 普惠金融的发展需求分析 3
(三) 金融科技与普惠金融的适配性 3
三、金融科技对普惠金融的效率提升作用 4
(一) 数字化支付体系的普及效应 4
(二) 数据驱动的风险管理优化 4
(三) 自动化服务的成本降低分析 5
四、金融科技对普惠金融的覆盖扩展作用 5
(一) 移动互联网的金融服务渗透 5
(二) 区块链技术的信任机制构建 6
(三) 人工智能的客户触达能力提升 6
结 论 8
参考文献 9
