农户与城镇低收入群体是普惠金融的目标人群,而当下的金融服务还远不能满足其需求。在数字化技术推动下,小额信贷业务的发展和相关征信体系的完善,有望打通金融服务的“最后一公里”。2005年,联合国首次提出了普惠金融概念,将其定义为能有效、全方位、方便地为社会所有阶层和群体提供服务的 Farmers and urban low-income groups are the target groups for inclusive finance, and the current financial services are far from meeting their needs. Driven by the digital technology, the development of the microfinance business and the improvement of the relevant credit reporting system are expected to open the “last mile” of financial services. For the first time, the United Nations put forward the concept of inclusive finance in 2005, defining it as an effective, comprehensive and accessible service to all sectors and groups of society