数字普惠金融的发展逻辑、国际经验与中国贡献

发布时间：2018-10-15 12:11

【摘要】：G20杭州峰会将"数字普惠金融"列为重要议题,并通过了《G20数字普惠金融高级原则》等三个文件。本文从数字普惠金融的逻辑发展主线切入,提出数字普惠金融的发展逻辑充分体现了"好金融"更好地服务"好社会"的目标,数字普惠金融是典型的"好金融"。在此基础上梳理数字普惠金融发展的国际经验,主要包括发展中国家的移动货币模式、发达国家的科技金融(Fintech,Finance Technology)模式。进而分析了数字普惠金融的"中国贡献",一方面体现在形成了数字普惠金融发展的"中国模式"、践行"好金融促进好社会",另一方面体现在积极促进数字普惠金融的国际合作、引领"好金融促进好世界"。展望未来,G20杭州峰会将推动全球数字普惠金融发展进入新阶段,开启"好金融构建好社会、好世界"的新时代。
[Abstract]:The Group of 20 summit in Hangzhou listed "digital inclusive finance" as an important issue, and adopted three documents, including the "G20 senior principles of digital inclusive finance". Based on the logical development of digital inclusive finance, this paper puts forward that the logic of digital inclusive finance fully embodies the goal of "good finance" to serve "good society" better, and digital inclusive finance is a typical "good finance". On this basis, the international experience in the development of digital inclusive finance is summarized, including the mobile money model in developing countries and the Fintech,Finance Technology model in developed countries. Then it analyzes the "Chinese contribution" of digital inclusive finance. On the one hand, it forms the "Chinese model" of the development of digital inclusive finance and practices "good finance to promote a good society", on the other hand, it actively promotes the international cooperation of digital inclusive finance. Lead "good finance for a good world". Looking ahead, the G20 Hangzhou summit will push global digital inclusive finance into a new stage and usher in a new era of "good finance, a good society and a good world".
【作者单位】：上海大学经济学院;
【基金】：教育部人文社会科学研究项目(10YJC790349) 上海市教育委员会科研创新重点项目(14SZ092)
【分类号】：F832

【参考文献】