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随着经济以及互联网技术的发展,互联网金融日益壮大,互联网金融的发展为我国金融体系的建设注入原动力,同时也为现代金融普惠体系的构建提供了新途径。互联网金融在降低交易成本、提高金融普惠覆盖率、确保普惠金融持续性、促进众筹模式建设以及创新融资渠道方面作用巨大。应该从重视普惠金融制度设计、加强征信体系建设、重视普惠金融服务等方面,促进我国互联网金融的快速发展,从而实现改善社会大众生活的目的。
With the development of economy and Internet technology, Internet finance has been growing day by day. The development of Internet finance has injected the impetus into the construction of China’s financial system and provided a new way for the construction of modern financial inclusive system. Internet finance has played a significant role in lowering transaction costs, improving financial inclusion coverage, ensuring inclusive financial sustainability, promoting crowdfunded mode construction and innovative financing channels. We should pay attention to the design of inclusive financial systems, strengthen the credit system, emphasize inclusive financial services and other aspects to promote the rapid development of Internet finance in China so as to achieve the purpose of improving the lives of the general public.