Research On Innovation,Risk And Supervision Of Digital Inclusive Finance

Since the introduction of the concept of digital inclusive finance in 2016,it has been widely valued by all countries in the world.Developing digital inclusive finance is conducive to reducing financial transaction costs and promoting social equity.Artificial intelligence,blockchain,cloud computing,big data,referred to as "ABCD",it is reshaping the financial system,changing the financial format,and further promoting the in-depth development of the financial industry.The era of digital inclusive finance has come.Different from the traditional financial model,Based on the advantages of modern technology,digital inclusive finance is committed to breaking the traditional financial sector's "Financial Exclusion" and "dislike the poor and love the rich",providing financial products or services for farmers,small and medium-sized enterprises.However,due to the relatively short development time of digital inclusive finance,the risks brought by innovation have not yet fully emerged,laws and regulations are temporarily missing,and the supervision system is not perfect.Whether its innovative development can generally improve the level of China's financial services and improve the status of financial services is still worthy of consideration.This article is based on this to study the innovation,risk and supervision of China's digital inclusive finance.The thesis follows the logical thinking of "problem-oriented-theoretical overview-innovative model-associated risk-risk supervision",Qualitative and quantitative methods are adopted,In-depth study of digital inclusive financial innovation,risk,and supervision.As a new financial operation mode,digital inclusive financial innovation uses modern technology to realize that ordinary people can enjoy financial services,but it will bring a series of new financial risks.The key point is to prevent digital risks and long-tail risks,and to explore new ideas for mixed industry supervision and improve laws and regulations have become the solution.The article is divided into six chapters.The first chapter is the introduction,which introduces the background and significance of the topic.The second chapter is the definition of the concept of digital inclusive finance,an overview of the theoretical basis and development status,providing a theoretical basis for the following research.The third chapter analyzes digital inclusive financial innovation.Firstly,the connotation of innovation is explained,and then the innovation model is studied from four dimensions: digital,inclusive,financial and digital inclusive finance.And finally analyze the source of innovation power.The fourth chapter is the risk analysis of digital inclusive financial innovation,studying the characteristics and types of risks,identifying innovation risks from the four dimensions,and finally quantifying the measurement of innovation risks,empirical test of the relationship between innovation and risk.The fifth chapter is the supervision of digital inclusive finance.In view of the risks brought by innovation,it analyzes the logical relationship among digital inclusive finance innovation,risk and supervision.On the basis of drawing lessons from the British and American countries,The thesis puts forward policy recommendations applicable to China's supervision.The sixth chapter is the summary and prospect.