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Analysis of the Construction of China's Digital Inclusive Finance Supervision System
- 1 DONGBEI UNIVERSITY OF FINANCE & ECONOMICS
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Abstract
In the Chinese market, there are many small and medium-sized enterprises with financing needs. Due to existing risk factors and the high cost of physical business outlets, however, financial institutions are unable to serve all those in need. Nevertheless, the total demand of such groups is huge, making the need for finance by the SME(small and medium enterprise) community cannot be ignored. This thesis adopts the method of literature analysis and review to mainly study what kind of problems will be encountered in the process of using digital technology to realize financial inclusion in China, and how the regulators and policymakers should manage the risks and formulate relevant policies in light of China's national conditions, so as to enable financial institutions to develop digital financial in a viable and effective way, and ultimately achieve the goal of providing financial services to all groups in the social strata at a low cost. This thesis finds that while strengthening regulation of digitalization in the financial sector in order to reduce risks, it is important to realize that the current lax regulatory environment is one of the key reasons for the rapid development of digital finance in China and that policymakers should weigh the pros and cons and find a compromise in the policymaking process.
Keywords
digital inclusive financing, regulating, supervising system
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Cite this article
Yu,X. (2025). Analysis of the Construction of China's Digital Inclusive Finance Supervision System. Advances in Economics, Management and Political Sciences,168,23-27.
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