作　者：胡滨 程雪军
关键词：金融科技；数字普惠金融；国家金融竞争力
摘　要：

 随着以互联网、人工智能、区块链、云计算、大数据为代表的金融科技迅猛发展，尤其是近年来大数据与深度学习不断进化、金融服务模式与产品发生重大变革，全球普惠金融经历了“微型金融 → 普惠金融 → 数字普惠金融”的演进与发展。在全球金融竞争日益激烈的背景下，各国加快发展数字普惠金融，并从国家层面制定发展战略。中国应进一步加大政策支持力度，加强国际金融治理的话语权，构建数字普惠金融的长效监管机制，大力建设数字普惠金融基础设施，进而提高中国金融业的全球竞争力。

 

FinTech, Digital Inclusive Finance and National Financial Competitiveness

Hu Bin (Chinese Academy of Social Sciences)

Cheng Xuejun (Shanghai Jiao Tong University)

Abstract With rapid development of FinTech as represented by internet, artificial intelligence, block chain, cloud computing and big data, especially the evolution of big data and deep learning, and the major changes  of financial service model and products in recent years, the development of global inclusive finance has under- gone different stages, from “micro finance”, through “inclusive finance”, to “digital inclusive finance”. In the context of growing global competition in the financial sector, many countries are promoting digital inclusive finance and formulating applicable national development strategies. Therefore, it is suggested that China should further strengthen support policies, increase its influence on global financial governance, construct a long-term regulatory mechanism for digital inclusive finance, and build digital inclusive financial infrastructure in order to improve the global competitiveness of China’s financial industry.

Key words FinTech; digital inclusive finance; China’s competitiveness in the financial sector

 

■作者简介 胡 滨，法学博士，中国社会科学院金融研究所研究员、副所长；北京 100028； 程雪军，上海交通大学凯原法学院博士研究生；上海 200030。

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