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*: Tsinghua Wudaokou.
With the development of society, financial services are becoming more and more important for enterprises and individuals. Access to high-quality financial services and financial instruments means that there are advantages in regulating financial risks, gaining the ability to expand, and increasing the returns of financial management. From the perspective of the allocation of resources in the financial market, "inclusive finance" can be understood as all financial activities that help to reduce the gap between the rich and the poor in the process of market distribution of financial products and services. Inclusive finance has become a trend in global financial development, and with the development of the times, it has been endowed with more and more abundant forms and connotations. This report selects 14 indicators from the four aspects of financial inclusion, savings, borrowing and digital payment, and then divides them into three levels according to countries, regions and income levels, studies the current situation and trends of inclusive finance in 169 countries and regions around the world, as well as China's inclusive finance, and collects excellent cases of inclusive financial development.
The report finds that global financial inclusion continues to improve, but there are differences in the characteristics of different regional stages. While the gap between the rich and the poor in the distribution of financial resources in most countries and regions is gradually decreasing, there are significant differences in the development of inclusive finance in low-income areas, and the gap between the rich and the poor in financial services continues to increase. China's inclusive finance is in a leading state in the world, the financial needs of differentiated groups are better met, and the availability of loans for small and micro enterprises is gradually improving. Development cases such as digital RMB derivatives, inclusive wealth management, digital financial management services, and innovative financial products have shared the successful experience of the development path of inclusive finance with Chinese characteristics to the world.
Based on the above conclusions, we make policy recommendations:
1) Balance innovation and risk in the development of digital inclusive finance, and improve the basic quality of financial consumers;
2) Use financial technology to promote the development of inclusive finance and create a healthy digital inclusive financial ecosystem
3) Vigorously promote the promotion and application of inclusive finance in rural areas, and strive to solve the problem of "digital divide" in the development of digital inclusive finance
4) Establish and improve the inclusive financial index system that is compatible with high-quality development.
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