关 键 词 :数字普惠金融;共同富裕学科分类:经济学--金融学
共同富裕是中国特色社会主义发展的本质要求,是全体中国人对共享改革开放成果,过上幸福美好生活的殷切期盼。实现这一伟大目标,需要大量的资源配置和投入,需要金融的助力和赋能。数字普惠金融依托信息科技,能够降低金融服务门槛,提升金融服务的便捷性、针对性和可获得性,将金融服务扩展到弱势群体之中。使得更多的人获得金融服务。缓解收入分配不平等,让弱势群体也享受到发展的红利,促进社会共享度的提升。同时对于地方经济,数字普惠金融也发挥着传统金融中介的职能,有效吸收小额储蓄资金,提高资金融通效率,加速地区整体经济发展。总的来说,数字普惠金融的发展可以有效促进共同富裕水平提高。
Common prosperity is an essential requirement of the development of socialism with Chinese characteristics. It is the ardent hope of all the Chinese people to share the fruits of reform and opening up and live a happy life. To achieve this great goal requires the allocation and input of large amounts of resources and the help and empowerment of the financial sector. Relying on information technology, digital inclusive finance can lower the threshold of financial services, improve the convenience, pertinence and accessibility of financial services, and extend financial services to vulnerable groups. Making financial services more accessible to more people. We will ease the inequality of income distribution, allow vulnerable groups to enjoy the dividends of development, and promote social sharing. At the same time, for local economy, digital inclusive finance also plays the function of traditional financial intermediary, effectively absorbing small savings funds, improving the efficiency of fund financing, and accelerating the overall regional economic development. In general, the development of digital financial inclusion can effectively promote common prosperity.