金融学院知识库

    In recent years, with the high-quality development of China's economy, the per capita disposable income of urban and rural residents has been increasing, and the living standard has been improving year by year, but the absolute difference between urban and rural income has been increasing. For a long time, due to geographical location and lagging economic development, residents in western and rural areas have been subject to financial discrimination and exclusion. They cannot obtain financial services equal to those of urban residents by virtue of their own ability and cannot benefit from financial activities. For a long time, The degree of social financial development has become a key factor leading to the widening of the income gap between urban and rural residents. Thanks to the progress of digital technologies such as big data and cloud computing, the digital financial inclusion has developed rapidly, enabling "financial marginalized groups" to enjoy financial products and services provided by financial institutions, improving the income of rural residents and urban low-income groups, and thus reducing the urban-rural income gap.