随着大数据、人工智能、区块链等核心技术的不断完善,金融科技得到了快速发展,并为京津冀普惠金融协同发展带来了新机遇。本报告首先介绍了京津冀普惠金融发展现状,并选取京津冀13个样本城市对其普惠金融发展水平进行测度,结果表明京津冀普惠金融区域发展不平衡问题比较严重,尚未实现真正意义上的协同发展;其次分析了金融科技在普惠金融发展中的应用,阐述了金融科技助力京津冀普惠金融协同发展的逻辑;最后提出了通过把握好金融科技支持普惠金融的边界、积极营造金融科技助推普惠金融发展的政策环境、完善征信体系、打造高素质的复合型金融人才队伍、强化监管,推动金融科技更好地服务于京津冀普惠金融。
<<With the continuous improvement of core technologies such as big data,artificial intelligence and blockchain,Fintech has achieved rapid development and brought new opportunities for the coordinated development of inclusive finance in Beijing-Tianjin-Hebei region. This report first proposes the current situation of inclusive finance in Beijing-Tianjin-Hebei region and selects 13 sample cities of to focus on the development level of inclusive finance. The result shows that the unbalanced development of inclusive finance in Beijing-Tianjin-Hebei region is serious,and the real sense of coordinated development has not yet been achieved. Then the report expounds the application of financial technology in the development of inclusive finance and introduces the logic of financial technology to assist the coordinated development of inclusive finance. Finally,the report puts forward that we should grasp the boundary of financial technology supporting inclusive finance,actively create a policy environment for financial technology to boost inclusive finance development,improve the credit system,build a high-quality compound financial talent team,strengthen supervision,and promote financial technology to better serve Inclusive Finance in Beijing,Tianjin and Hebei.
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