金融科技推动下的普惠金融商业模式创新研究

The Study on the Innovation of Inclusive Financial Business Model Driven by Fintech

近年来,以数字技术为支撑的金融科技给普惠金融商业模式带来了颠覆性创新。与传统普惠金融商业模式相比,金融科技带来的创新性商业模式在扩大金融服务覆盖面、降低交易成本等方面极具普惠价值,且成效显著。但是,普惠金融创新性商业模式目前仍面临数字技术引发金融排斥、金融风险加大、监管不当现象普遍等运营困境。因此,要使普惠金融创新性商业模式充分有效地实现其普惠价值,应采取开展数字普惠金融教育、线上线下服务相结合、深化征信体系建设、建立有效的金融科技监管体系等措施,以促进普惠金融创新性商业模式进一步发展。

In recent years,financial technology supported by digital technologies has brought disruptive innovations to inclusive financial business models.Compared with the traditional inclusive financial business model,the innovative business model brought by financial technology has great inclusive value in expanding the coverage of financial services and reducing transaction costs,and has achieved remarkable results.However,the innovative business model of Inclusive finance still faces operational difficulties such as financial exclusion caused by digital technology,increased financial risks,and widespread improper supervision.Therefore,in order to make the innovative business model of Inclusive finance fully and effectively realize its inclusive value,we need to take measures to solve the dilemma for the growth of inclusive financial innovative business model,such as carrying out education of digital inclusive finance,combining online and offline services,deepening the construction of credit investigation system,and establishing an effective supervision system of financial technology.