数字普惠金融帮扶低收入群体的逻辑机理及实现机制

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英文篇名：The Logical Mechanism and Implementation Mechanism of Digital Inclusive Finance to Help Low-income Groups 作者：潘锡泉 英文作者：Pan Xiquan; 关键词：数字普惠金融 ; 精准帮扶 ; 精准扶贫 ; 收入倍增 ; 乡村振兴 英文关键词：Digital Inclusive Finance;;Precise Assistance;;Precise Poverty Alleviation;;Income Multiplication;;Rural Revitalization 中文刊名：QYHL 英文刊名：Regional Economic Review 机构：浙江金融职业学院国际金融教研室;浙江中国特色社会主义理论体系研究中心浙江金融职业学院研究基地; 出版日期：2019-07-15 12:03 出版单位：区域经济评论 年：2019 期：No.40 基金：浙江自然科学基金项目“汇率视角的中美货币政策溢出、协调及治理机制研究”(LY18G030007);; 浙江中国特色社会主义理论体系研究中心2016年基地专项课题“金融创新与高水平全面建成小康社会研究”(2016ZTKT012) 语种：中文; 页：QYHL201904022 页数：7 CN：04 ISSN：41-1425/F 分类号：149-155

摘要

寻求一种能够打通金融扶贫最后一公里痛点,决胜全国精准扶贫攻坚战取得全面胜利的新金融方法成为当前迫切需要解决的问题。基于浙江六个乡(镇)村的实地走访,发现浙江传统金融在帮扶低收入群体实现收入倍增实践中存在的痛点包括,信息不对称导致金融资源扭曲性错配,时空局限性导致金融资源无法覆盖到最后一公里,传统金融帮扶的精度和宽度不足导致金融资源的配置难以向纵深延展,低收入群体对运用数字普惠金融的理念和意识淡薄,低收入群体金融风险防范意识和消费者权益保护存在严重缺失。运用数字普惠金融进行精准帮扶的逻辑实现机制是:一要培植数字金融理念,克服思想认识薄弱问题;二要优化金融生态环境,破除信用体系缺失问题;三要创新金融服务模式,化解内生动力不足问题;四要做实普惠金融教育,规避风险权益缺位问题。
        Seeking a new financial method that can open up the last mile of financial poverty alleviation and win the national victory in the fight against poverty has become an urgent problem to be solved. Based on field visits to six townships(towns)and villages in Zhejiang Province,it was found that the painful points in the practice of traditional financial assistance to low-income groupsincome doubling in Zhejiang include: information asymmetry leads to distorted mismatch of financial resources,time and space limitations lead to financial resources unable to cover the last kilometer,and inadequate precision and width of traditional financial assistance leads to difficult allocation of financial resources. Deeply extending,low-income groups have little awareness of the concept and application of digital inclusive finance. There are serious deficiencies in low-income groups' awareness of financial risk prevention and consumer rights protection. The logical feasible mechanism of digital inclusive finance for precise assistance,and based on this,how to realize the realization mechanism of "low-income group income multiplication" in Zhejiang Province through the application of digital inclusive finance: First,we must cultivate the concept of digital finance overcomes the weak problem of ideological understanding; Second,we should optimize the financial ecological environment and eliminate the lack of credit system; Third,we Should innovate the financial service model and resolve the problem of insufficient endogenous motivation; Thind, we should do practical financial education and avoid The lack of risk rights.

引文

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