数字普惠金融助力精准扶贫的创新机制
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摘要
打好精准扶贫攻坚战是国家乡村振兴战略得以顺利实施的基础。数字普惠金融凭借数字技术在金融领域的应用,为打好精准扶贫攻坚战提供了契机,突破了传统金融扶贫的时空局限性,拓宽了金融扶贫的精度和广度,成为金融精准扶贫的应有之意。面临实践中信用体系缺失,贫困群体分布散、资产少、收入低导致扶贫成本收益倒挂,金融消费者数字技术知识缺失的痛点问题,需要在理念上强化、生态环境上优化,在模式创新、条件创设上出实招、在数字普惠金融普及教育和金融风险意识防范,以及金融消费者信息和权益保护上下实功,激发金融机构利用数字普惠金融的技术优势开展精准扶贫的内生动力,实现精准扶贫在落地上见实效。
Making a good and accurate fight against poverty is the foundation of the successful implementation of the country's rural rejuvenation.The digital inclusive finance has provided an opportunity for targeted poverty alleviation. It has broken through the limitations of traditional financial poverty alleviation, broadened the accuracy and width of the financial aid, and become necessary for financial targeted poverty alleviation.Faced with the problems of lacking of the credit system in practice, the inversion of cost and profit resulted from the residence dispersal, low assets,and low income of the poor population, and the lack of digital technology knowledge for financial consumers, some measures should be taken to strengthen the concepts of digital inclusive finance and optimize the ecological environment, to innovate the model and provide innovative conditions, to publicize digital inclusive finance and the prevention of financial risks, as well as to protect the information and rights of customers,so as to inspire the endogenous incentives of the financial institutions and realize the effective poverty alleviation.
Making a good and accurate fight against poverty is the foundation of the successful implementation of the country's rural rejuvenation.The digital inclusive finance has provided an opportunity for targeted poverty alleviation. It has broken through the limitations of traditional financial poverty alleviation, broadened the accuracy and width of the financial aid, and become necessary for financial targeted poverty alleviation.Faced with the problems of lacking of the credit system in practice, the inversion of cost and profit resulted from the residence dispersal, low assets,and low income of the poor population, and the lack of digital technology knowledge for financial consumers, some measures should be taken to strengthen the concepts of digital inclusive finance and optimize the ecological environment, to innovate the model and provide innovative conditions, to publicize digital inclusive finance and the prevention of financial risks, as well as to protect the information and rights of customers,so as to inspire the endogenous incentives of the financial institutions and realize the effective poverty alleviation.
引文
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[2]刘顺平,朱丹娜,刘怡君.数字普惠金融推动脱贫攻坚的优势分析、具体实践与路径选择[J].西部金融,2017(4):87-89,97.
[3]刘顺平.发展数字普惠金融提升脱贫攻坚效能[J].甘肃金融,2017(5):32-35.
[4]同春芬,张浩.“互联网+”精准扶贫:贫困治理的新模式[J].世界农业,2016(8):50-57.
[5]尹优平.金融科技助推普惠金融[J].中国金融,2017(22):90-91.
[6]陈彦蓉.精准扶贫数字普惠金融大有可为[N].金融时报,2016-10-28.
[7]周小川.践行党的群众路线推进包容性金融发展[J].中国金融,2013(18):9-12.
[8]李东荣.自律发展共济普惠[J].银行家,2017(1):1.
[9]尹优平.金融科技时代要更加关注普惠金融消费者权益保护[J].中国银行业,2017(9):42-44.
[10]吕瑛春,余良,姬明琦.数字普惠金融高级原则的SWOT分析——以青海省海东市为例[J].青海金融,2016(11):16-19.