It is urgent to vigorously develop digital inclusive finance.

At present, China has made great strategic achievements in fighting the COVID-19 epidemic. However, in the face of the new requirements of normalized epidemic prevention and control, digital inclusive finance will play a wide role. Therefore, we should adapt to the new characteristics and new demands of the development of the situation, vigorously develop digital inclusive finance, and let inclusive finance service with more temperature and strength enter the homes of ordinary people.

Compared with the traditional financial service system, Digital inclusive finance emphasizes the universality of service objects, the convenience of service methods, the comprehensiveness and indifference of service contents and the sustainability of business models. Although China's digital inclusive finance has developed rapidly, it is still in its infancy and still faces many difficulties and challenges. In order to make digital inclusive finance benefit more widely and develop faster, it is necessary to further strengthen the concept of customer first, further use digital technology in means and further strengthen work innovation in management methods, so as to better serve the application and promotion of inclusive finance.

Adhere to the customer-centered service concept and expand the scope of services. The social significance of inclusive finance lies in that, from the perspective of social equity, it can provide more services for farmers, the elderly, students, small and micro enterprises and other financial vulnerable groups, so that they can use financial services to obtain better economic improvement and convenience. Because many target groups that Digital inclusive finance wants to cover belong to vulnerable groups, it is necessary to emphasize the customer-centered service concept. In the past, various kinds of support were provided to poor areas, sometimes through administrative means, while Digital inclusive finance provided dignified services. Different customers have different demand for funds, different demand time and different repayment ability. Financial institutions should develop different financial products according to different market needs to meet different customer needs.

Innovating financial instruments by digital means to meet diversified needs. In order to meet the practical needs of epidemic prevention and control and financial stability, financial institutions should speed up the transformation of financial services to digitalization, fully apply the innovative achievements of Internet technology to targeted group services in inclusive finance, further enhance the coverage and convenience of services in inclusive finance, and further play an active role under the normalization of epidemic prevention and control. As a means, Internet technology is conducive to the development of financial essence and the landing of inclusive finance. During the epidemic, digital inclusive finance can effectively play its technological advantages in big data, cloud computing, artificial intelligence, blockchain and so on. , accurately analyze the risk characteristics of customers, and provide unsecured and unsecured pure credit loans for small and medium-sized enterprises, thus effectively solving the cash flow problems of various business entities such as small and medium-sized enterprises during the epidemic prevention and control period. Especially in the process of obtaining financial support for small and micro enterprises, Digital inclusive finance promotes SMEs to fully integrate into the digital economy. Digital transformation of small and medium-sized enterprises, including "small store economy", can effectively cater to new consumption demand, upgrade and cultivate new consumption formats, reduce operating costs, improve transaction efficiency, and bring more benefits and new development space for small and medium-sized enterprises. While promoting the development of China's digital economy, it will help us to do a solid job of "six guarantees" and fully implement the "six guarantees" task.

Strengthening the construction of digital supervision ability to ensure sustainable development. While digital technology brings convenience, it also brings new problems. It is necessary to improve the supervision ability, standardize the industry behavior and ensure the sustainability of the development of digital inclusive finance. The first is to solve the unified supervision standard of digital inclusive finance and traditional finance. The essence of digital inclusive finance has triggered a unified regulatory standard. Financial enterprises usually accept the supervision of the local government and carry out related financial services under the supervision requirements of relevant systems. Different provinces and regions may have different restrictions and regulations on the same type of enterprises or businesses of the same nature. However, for enterprises engaged in digital inclusive finance, the business development of such enterprises is not limited by regions, and may also involve other regions other than the place where the enterprise is located, which may lead to the contradiction between the supervision system implemented by the place where the enterprise is located and the place where the service is carried out, thus affecting the effectiveness of supervision. In order to avoid this contradiction, it is necessary to formulate complete and unified requirements and standards for enterprises engaged in digital inclusive finance services and avoid regulatory arbitrage through a unified regulatory system. Secondly, improve the relevant laws and regulations of digital inclusive finance. In view of the problems such as more new participants, more cross-border cooperation, long financial service chain, complex principal-agent relationship, and cross-emergence of financial products, we will gradually improve the legal framework of digital inclusive finance, clarify the rights and obligations of all participants, and establish norms and standards such as remote identity identification, account opening, personal information security, and data use. Comply with the new development situation of digital inclusive finance, and timely revise the lagging relevant laws and regulations. At the same time, strengthen the coordination and cooperation between the central and local regulatory authorities, promote the digitalization of financial supervision, focus on solving the problems of lack of predictability, timeliness and diversity of regulatory means, and effectively guarantee the sound development of digital inclusive finance.

Through digital inclusive finance, everyone can possibly change their financial situation and even family wealth through financial services. Some scholars have found that digital financial inclusion can effectively narrow the gap between urban and rural areas, promote residents' consumption behavior, effectively promote local economic growth, and help promote mass entrepreneurship and innovation. Although there are still some problems in the process of the integration of digital finance and inclusive finance, the development of digital inclusive finance is expected and the prospect is bright from three aspects: attitude, technology and management.

(Author: Tsinghua University Institute of Economics and Management)