2019年是中国数字普惠金融由高速发展转向高质量发展的一年。在过去的一年中，不少新兴业态得以涌现，部分原有业态却面临着一些发展症结。2016年的《G20数字普惠金融高级原则》将数字普惠金融定义为“一切通过数字金融服务以促进普惠金融的行动”。可见数字普惠金融代表着“数字金融”与“普惠金融”的融合，金融机构通过开展数字金融服务促进普惠金融发展。2017—2018年，我国数字普惠金融在金融创新的浪潮中蓬勃发展，呈现出日新月异的态势。到2019年，我国数字普惠金融的创新浪潮有所退却，行业整体的发展困境凸显。只有对上述发展困境进行充分的总结与反思，我国数字普惠金融才能迎来更好的发展。

在过去一年的发展中，我国数字普惠金融涌现出了一系列的热点问题，农村数字普惠金融广泛进行创新、数据泄露与数据共享问题频发、联合贷款业务在监管机构的支持下迎来发展机遇……数字普惠金融的热点事件与人们的生活休戚相关，值得大家关注。这些热点问题也体现了我国数字普惠金融创新、风险与监管的相互影响与相互作用。热点事件与热点问题的背后不仅隐含着数字普惠金融的最新发展动态，还能够折射出行业整体的发展症结。热点问题背后所蕴含的巨大价值需要我们展开思考、分析与探索。

本书聚焦数字普惠金融发展的前沿与热点，对2019—2020年中国数字普惠金融的部分热点问题进行评述，旨在总结过去、展望未来，为行业整体发展提供相关建议。本书的评述内容包含我国数字普惠金融的最新进展，如BigTech公司与传统金融机构的竞合关系、农村数字普惠金融创新、互联网保险。同时，本书也梳理了数字普惠金融部分业态所面临的发展困境，如商业银行小微信贷、农村数字普惠金融、网络互助平台等，并给出了纾解困境的若干对策建议。在梳理热点问题的过程中，本书将学术理论与业界实践相结合，在立足我国国情的基础上借鉴国际发展经验，对数字普惠金融多种业态的发展现状进行深入剖析与综合评述。本书还特别关注中国数字普惠金融部分业态面临的困境与挑战，努力思索数字普惠金融的未来发展方向，给出促进这些业态更好发展的一些对策建议，并探索数字普惠金融在金融行业发展、金融业务创新、金融服务实体经济与乡村振兴等方面的启示。

我们期待本书的综合评述与思考成果能够为政府决策带来参考价值，为业界提供一些发展思路，为学术界做出一定贡献，最终能够以团队的微薄之力促进数字普惠金融发展。我们还将继续聚焦数字普惠金融领域，在本书研究成果的基础上进行深入的学术探索，通过扎实的理论研究推动行业整体发展。我国数字普惠金融发展离不开社会各界的共同努力，我们相信在政府的引领、业界与学术界的共同努力下，中国数字普惠金融发展必将迎来更好的明天。

曾燕

2020年6月12日

2019 is a year in which China's digital financial inclusion shifts from rapid development to high-quality development. In the past year, many new formats have emerged, but some of the original formats have faced some development sticking points. The 2016 G20 Advanced Principles for Digital Financial Inclusion define digital financial inclusion as "all actions that promote financial inclusion through digital financial services." It can be seen that digital inclusive finance represents the integration of "digital finance" and "inclusive finance", and financial institutions promote the development of inclusive finance through digital financial services. From 2017 to 2018, China's digital inclusive finance flourished in the wave of financial innovation, showing a rapid change. By 2019, the wave of innovation in China's digital inclusive finance has retreated, and the development dilemma of the industry as a whole has become prominent. Only by fully summarizing and reflecting on the above development dilemma can China's digital inclusive finance usher in better development. In the past year's development, a series of hot issues have emerged in China's digital inclusive finance, such as extensive innovation in rural digital inclusive finance, frequent data leakage and data sharing problems, and development opportunities for joint loan business with the support of regulators... The hot events of digital financial inclusion are closely related to people's lives and deserve everyone's attention. These hot issues also reflect the mutual influence and interaction of innovation, risk and regulation of digital inclusive finance in China. Behind the hot events and hot issues not only implicit the latest development of digital financial inclusion, but also reflect the crux of the overall development of the industry. The great value behind hot issues requires us to think, analyze and explore. This book focuses on the frontiers and hot spots in the development of digital inclusive finance, and reviews some hot issues of China's digital inclusive finance from 2019 to 2020, aiming to summarize the past, look forward to the future, and provide relevant suggestions for the overall development of the industry. The review of this book includes the latest progress of digital inclusive finance in China, such as the coopetition relationship between BigTech and traditional financial institutions, rural digital inclusive financial innovation, and Internet insurance. At the same time, this book also sorts out the development difficulties faced by some formats of digital inclusive finance, such as small and micro credit of commercial banks, rural digital inclusive finance, and online mutual aid platforms, and gives several countermeasures and suggestions to alleviate the dilemma. In the process of sorting out hot issues, this book combines academic theory with industry practice, draws on international development experience on the basis of China's national conditions, and conducts in-depth analysis and comprehensive review of the development status of various formats of digital inclusive finance. This book also pays special attention to the dilemmas and challenges faced by some formats of digital inclusive finance in China, strives to think about the future development direction of digital inclusive finance, gives some countermeasures and suggestions to promote the better development of these formats, and explores the enlightenment of digital inclusive finance in the development of the financial industry, financial business innovation, financial services real economy and rural revitalization. We hope that the comprehensive review and thinking results of this book can bring reference value to government decision-making, provide some development ideas for the industry, make certain contributions to the academic community, and ultimately promote the development of digital financial inclusion with the modest efforts of the team. We will continue to focus on the field of digital financial inclusion, conduct in-depth academic exploration on the basis of the research results of this book, and promote the overall development of the industry through solid theoretical research. We believe that with the leadership of the government and the joint efforts of the industry and academia, China's digital financial inclusion development will usher in a better tomorrow. Zeng Yan, June 12, 2020（AI翻译）