数字普惠金融如何减缓相对贫困:基于要素赋能的视角

How Digital Inclusive Finance Alleviates Relative Poverty:Based on Factor Empowerment

减缓相对贫困是全体人民共同富裕的现代化的内在要求,而数字普惠金融为减缓相对贫困提供了有力抓手。从要素赋能的新视角,探究数字普惠金融通过赋能技术要素、劳动力要素、资本要素与企业家精神要素,进而减缓相对贫困的作用机制。在此基础上,考察数字普惠金融减缓相对贫困面临的现实挑战。最后提出通过强化数字普惠金融监管体系、完善数字普惠金融服务生态、增加农村数字普惠金融有效供给以及制定相对贫困标准以瞄准相对贫困群体来应对挑战,以充分发挥数字普惠金融对相对贫困的减缓作用。

The alleviation of relative poverty is an inherent requirement of modernization for common prosperity of all people,and digital financial inclusion provides a powerful tool for alleviating relative poverty.From the new perspective of factor empowerment,we explore the mechanism of digital inclusive finance in alleviating relative poverty by empowering the factors of technology,labor,capital and entre⁃preneurship.On this basis,we examine the practical challenges faced by digital inclusive finance in al⁃leviating relative poverty.Finally,it is proposed to address the challenges by strengthening the supervision system of digital inclusive finance,improving the service ecology of digital inclusive finance,increasing the effective supply of digital inclusive finance in rural areas,and formulating relative poverty standards to target relatively poor groups,so as to give full play to the role of digital inclusive finance in alleviating relative poverty.