江西省数字普惠金融发展现状及问题与对策分析

Analysis of Current Situation, Problems and Countermeasures of Digital Inclusive Finance Development in Jiangxi Province

摘要: 近年来，随着互联网数字技术和普惠金融的发展程度和结合程度越来越高，数字普惠金融应运而生。并且通过数字技术的广泛运用，普惠金融以数字化手段提升了金融的服务效率、服务水平和服务范围，持续推动并助力了数字普惠金融的快速崛起。因此数字普惠金融得到学界和社会各界的广泛关注。本文是基于2011~2020年北大数字普惠金融指数和现有的数字普惠金融的相关理论和数据，从江西省数字普惠金融的覆盖广度、使用深度、数字化程度探析了其发展现状，发现江西省数字普惠金融存在地域差异、地区发展不平衡、知识普及等问题。最后，根据以上不同问题提出协调数字普惠金融区域均衡发展、加强数字普惠金融基础设施建设、加强普惠金融知识普及等相关对策。

Abstract: In recent years, with the development degree and combination degree of Internet digital technology and inclusive finance getting higher and higher, digital inclusive finance came into being. And through the extensive use of digital technology, inclusive finance has improved the service efficiency, service level and service scope of finance by digital means, and has continued to promote and help the rapid rise of digital inclusive finance. Therefore, digital inclusive finance has been widely concerned by the academic community and all sectors of society. Based on the Digital Financial Inclusion Index of Peking University from 2011 to 2020 and the relevant theories and data of digital financial inclusion, this paper analyzes the development status of digital financial inclusion in Jiangxi Province from the perspective of its coverage breadth, depth of use and digitization degree, and finds that there are regional differences, regional development imbalance, knowledge popularization and other problems in digital financial inclusion in Jiangxi Province. Finally, according to the above different problems, it puts forward relevant countermeasures such as coordinating the balanced development of digital financial inclusion in the region, strengthening the construction of digital financial inclusion infrastructure, and strengthening the popularization of financial inclusion knowledge.