| As a large country with a large population,China generally suffers from uneven and incomplete development,unbalanced allocation of financial resources,widening gap between the rich and the poor,and difficulties in financing small and medium-sized enterprises.Due to some restrictive disadvantages of traditional finance itself,it is not possible to comprehensively cover every demand point,especially SMEs and low-income people and rural underdeveloped areas.Therefore,China's development of inclusive finance is of great importance.It can not only bring the coverage of financial services to everyone,but also promote the steady growth of our overall economy.Technology and finance uses technological advantages,innovates financial services and products,expands user coverage,and spreads widely.It has a natural coupling with inclusive finance.At the same time,financial science and technology to help inclusive finance mainly in information security,long tail group credit collection difficulties,not built a unified financial services intermediary platform,and financial risk secrecy still have certain challenges.This paper uses literature analysis method and case analysis method to combine theory and practice analysis,and uses ant finance technology to promote the development of inclusive finance as an example.By introducing the general situation,business purpose and business scope of ant gold service group,We will further analyze the innovative practices of ant gold clothing in the fields of financing and loans,financial management,insurance,payment,and rural finance,and conclude that ant gold clothing is a financial technology company.The results and shortcomings of "opening up the last kilometer of inclusive finance".On the basis of the above,this paper analyzes and reflects on financial science and technology to promote inclusive financial development,and puts forward four suggestions for improving the quality of financial products and services of inclusive financial services. |
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