互联网助力中国普惠金融发展

Internet Helps Chinese Inclusive Finance Develop

中国的普惠金融发展状况不容乐观,主要表现在农村人口、低收入群体和小微企业不能享受平等的金融服务。虽然政府已经把发展普惠金融上升到国家战略层面,但是仍难以解决农户贷款和小微企业融资问题。互联网金融主要包括P2P、众筹、互联网支付、互联网理财和电商小贷5种模式,具有成本低、体验好和基于大数据的特点。互联网金融提高了农村人口的金融参与度,降低了民众理财的门槛,解决了小微企业贷款的难题,有力推动了中国普惠金融的发展。

Chinese inclusive financial development is not optimistic, mainly in the rural population, low income group and small ＆ micro businesses can not enjoy equal financial services. Though the government has taken the development of inclusive finance rose to the national strategic level, it is still difficult to solve the farmers＇ loan and small ＆ micro businesses financing problems. The internet finance includes 5 modes, they are P2P, crowdfunding, internet payment, internet banking and electronic business＇ small loan, which are of low cost, good experience and based on large data. The internet finance has increased the financial participation of the rural population, reduced the threshold of public finance, solved the loan problem of small ＆. micro businesses, and effectively promoted the development of Chinese inclusive finance.