数字技术赋能的金融包容及其伦理价值

Financial Inclusion Empowered by Digital Technology and Its Ethical Value

金融包容是包容性增长在金融领域的体现。分析金融包容实践的理论基础,辨析数字技术赋能下数字金融与金融包容的辩证关系,发现数字金融既可以基于降低成本、提高资源配置效率、改善诚信环境等优势积极推动金融包容发展,也可能受数据垄断、算法黑箱、监管缺失等问题所累而削弱金融包容的社会价值,从而触发数据鸿沟、算法歧视等金融科技伦理问题。金融包容反映社会属性,其伦理价值体现为以人为本、尊重差异、利益共享、机会均等。

Financial inclusion is a manifestation of inclusive growth in the financial sector.Analyzing the theoretical basis of financial inclusion practice,distinguishing the dialectical relationship between digital finance and financial inclusion under the empowerment of digital technology,it is found that digital fi-nance can actively promote the development of financial inclusion based on advantages such as reducing costs,improving resource allocation efficiency,and improving the integrity environment.It can also weak-en the social value of financial inclusion due to problems such as data monopolies,algorithmic black box-es,and regulatory deficiencies,thereby triggering ethical issues in financial technology such as data gaps and algorithmic discrimination.Financial inclusion reflects social attributes,and its ethical values are re-flected in putting people first,respecting differences,sharing benefits,and equal opportunities.