金融科技与精准扶贫的关系

The Relationship between Financial Technology and Targeted Poverty Alleviation

摘要: 精准扶贫到了攻坚克难的关头，需要决胜全面小康，而金融科技助力精准扶贫效果显著，故探寻金融科技与精准扶贫的关系。对于精准扶贫现存的“难”精准、动态机制等难点，探索金融科技背景下新扶贫模式，与普惠金融、供应链金融结合，运用大数据、区块链等高新技术，可以优化扶贫资源、降低扶贫成本、提高贫困户脱贫意识。了解金融科技和精准扶贫之间的关系，能更好利用金融科技助力精准扶贫，对后续的攻坚克难有指导意义。

Abstract: Targeted poverty alleviation has reached the critical point of overcoming difficulties, and it needs to win the all-round well-off society. However, financial technology has a significant effect on targeted poverty alleviation, so we need to explore the relationship between financial technology and targeted poverty alleviation. For the existing “difficult” and precise, dynamic mechanism and other difficulties of targeted poverty alleviation, to explore new poverty alleviation mode under the background of financial science and technology, combine with Inclusive Finance and supply chain finance, and use high-tech such as big data and block chain, it can optimize poverty alleviation re-sources, reduce poverty alleviation costs and improve poverty alleviation awareness of poor households. Understanding the relationship between financial science and technology and targeted poverty alleviation can make better use of financial science and technology to help targeted poverty alleviation, which has guiding significance for the follow-up efforts.