金砖国家普惠金融技术创新发展研究

Abstract:With an aim to improving access to financial services，financial inclusion has been increasingly valued by all economies as it plays a critical role in boosting economic growth and improving social welfare. Compared with developed countries，developing countries featuring relatively backward economic and social development and underdeveloped financial market have put financial inclusion higher on its agenda，regarding it as an important engine driving economic growth. Emerging economies，with BRICS countries as the representatives，have long ago started their explorations and practices on the institutional design，business model and technical innovation of the financial inclusion. The countries have seen improvement of their economic and financial inclusiveness and sustainability. BRICS countries differ in the approaches to financial inclusion. With the development of financial technologies，digital technologies will become important drivers of financial inclusion.

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