摘 要
本文探讨了数字金融与普惠金融的融合及其在实际应用中的挑战与应对策略。首先，概述了数字金融的基本概念及其作为金融科技发展的核心驱动力，以及普惠金融的定义，即面向所有社会阶层和群体提供全面、便捷的金融服务。接着，分析了数字金融与普惠金融的融合基础，包括技术支撑与创新、市场需求与政策引导、基础设施与生态环境等多方面的相互作用与促进。在数字金融的普惠金融应用中，本文详述了移动支付与电子钱包的普及、互联网银行与线上金融服务的便捷性、大数据与智能风控在提升服务效率与安全性方面的作用，以及区块链技术与金融创新对金融服务模式的深刻变革。然而，数字金融在普惠金融的推广过程中也面临诸多挑战，如技术普及与基础设施不足导致的服务覆盖不均、安全风险加剧、信用评估难度增加以及监管政策滞后等问题。针对这些挑战，本文提出了相应的应对策略，包括加强基础设施建设以缩小数字鸿沟、开展金融素养教育提升公众认知、完善金融基础设施以支撑服务扩展、加强安全技术研发以保障交易安全、完善信用评估体系以提高风险防控能力，以及加强监管政策研究以引导行业健康发展。这些策略旨在推动数字金融与普惠金融的深度融合，促进金融服务的普惠性和可持续性发展。
关键词：数字金融；普惠金融；优化路径
Abstract
This article explores the integration of digital finance and inclusive finance, as well as the challenges and response strategies in practical applications. Firstly, the basic concept of digital finance and its core driving force for the development of fintech were outlined, as well as the definition of inclusive finance, which provides comprehensive and convenient financial services to all social classes and groups. Next, the integration foundation of digital finance and inclusive finance was analyzed, including the interaction and promotion of technology support and innovation, market demand and policy guidance, infrastructure and ecological environment, and other aspects. In the inclusive financial application of digital finance, this paper details the popularity of mobile payment and electronic wallet, the convenience of Internet banking and online financial services, the role of big data and intelligent risk control in improving service efficiency and security, and the profound change of blockchain technology and financial innovation on financial service mode. However, digital finance also faces many challenges in the promotion of inclusive finance, such as uneven service coverage caused by technology popularization and insufficient infrastructure, intensified security risks, increased difficulty in credit assessment, and lagging regulatory policies. In response to these challenges, this article proposes corresponding strategies, including strengthening infrastructure construction to narrow the digital divide, conducting financial literacy education to enhance public awareness, improving financial infrastructure to support service expansion, strengthening security technology research and development to ensure transaction security, improving credit evaluation systems to enhance risk prevention and control capabilities, and strengthening regulatory policy research to guide the healthy development of the industry. These strategies aim to promote the deep integration of digital finance and inclusive finance, and promote the inclusive and sustainable development of financial services.
Keywords: Technology finance; Green finance; Integrated development
目录
摘 要 I
Abstract II
第1章 绪论 1
1.1 研究背景及意义 1
1.2 研究目的及内容 1
1.3 国内外研究现状 1
第2章 数字金融与普惠金融概述 3
2.1 数字金融的基本概念 3
2.2 普惠金融的定义 3
2.3 数字金融与普惠金融的融合基础 4
2.3.1 技术支撑与创新 4
2.3.2 市场需求与政策引导 4
2.3.3 基础设施与生态环境 5
第3章 数字金融在普惠金融中的应用 6
3.1 移动支付与电子钱包 6
3.2 互联网银行与线上金融服务 6
3.3 大数据与智能风控 6
3.4 区块链技术与金融创新 7
第4章 数字金融在普惠金融应用中面临的挑战 8
4.1 技术普及与基础设施不足 8
4.1.1 技术普及度不均 8
4.1.2 基础设施不完善 8
4.2 安全风险加剧 9
4.3 信用评估难度增加 9
4.4 监管政策滞后 9
第5章 数字金融在普惠金融应用中的优化路径 10
5.1 加强基础设施建设 10
5.1.1 开展金融素养教育 10
5.1.2 完善政策制度设计 10
5.2 加强安全技术研发 11
5.3 完善信用评估体系 11
5.4 加强监管政策研究 11
结 论 13
参考文献 14
