Research On The Development Of Inclusive Finance With Digital Technology

Inclusive Finance is the 21 st century financial development concept advocated by the United Nations and other international agencies,and an important driving force for achieving inclusive growth of the global economy.Its purpose is to enable economic entities at all levels of society to obtain necessary and reasonable financial services and support,and to achieve long-term and stable development of a country's national economy.In China,the market economy is not developed sufficiently,the allocation of financial resources is not balanced,and the development of urban and rural finance is not coordinated.There is a great demand for inclusive finance.The Third Plenary Session of the Eighteenth Central Committee of the Party proposed "Developing Inclusive Finance",and the State Council's "Plan for Promoting Inclusive Finance Development(2016-2020)"(hereinafter referred to as "Planning")put forward the overall idea and basics of developing inclusive finance in China Principles and implementation plan,the top-level design of inclusive financial work.The development of inclusive finance is not only a staged need for building a well-off society in an all-round way,but also an important support for promoting and implementing the strategy of rural revitalization.It is the proper meaning of the construction and improvement of the modern financial system.In the development process of inclusive finance in the past,traditional financial institutions,as the main force for strategic implementation,have achieved certain results on the inclusive route,but still face a series of "realistic dilemmas." In recent years,fintech technologies represented by mobile Internet,big data,cloud computing,etc.have continuously made breakthroughs.The new model of "digital inclusive finance" driven by technology is accelerating development globally,in order to solve the global problems of inclusive finance Provide a realistic and feasible way.As a unicorn of financial technology companies,the Ant Financial Group studied in this paper has practice and exploration on the path of inclusive finance,which has certain reference significance for the future development of inclusive finance in China.This article is divided into five parts.The first part is an introduction,whichintroduces the research background and significance of this article,as well as the research status of inclusive finance at home and abroad.The second part is an analysis of the development of inclusive finance and understanding the conceptual significance of inclusive finance After that,analyze the current development status of China's inclusive finance and the difficulties it faces in development;The third part studies the development background and digital combination of digital technology to help inclusive finance,and understands the current development advantages and status of digital inclusive finance;the fourth part focuses on the analysis of Ant Financial in the fields of lending,wealth management,payment,insurance and credit reporting Innovative inclusive practice.By comparing with traditional financial institutions,it analyzes the comparative advantages and effectiveness of Ant Financial on the inclusive financial path,and also points out the shortcomings of Ant Financial's inclusive practice and relevant experience reference;the last part is based on Ant Financial The inclusive results achieved have reached the conclusion that digital technology helps inclusive financial development,and put forward relevant suggestions for the development of Ant Financial and Inclusive Financial,with a view to the future inclusive financial development with the help of digital technology.