关键词: 互联网金融,普惠金融,金融排斥

Abstract: Internet finance has broken the cartel monopoly of the traditional financial system and relieved the financing difficulties faced by the medium small and micro-sized enterprises. Internet finance has also broken the space and physical constraints and increased the chances of enjoying equal financial services for rural residents. However, though Internet finance has the characteristics of universal benefits, it also has credit exclusion and price exclusion. Young men without jobs have higher probability of being excluded from the network credit; credit exclusion has the tendency of self reinforcing and is accompanied with price exclusion. The Internet technology itself cannot eliminate financial exclusion problems; it should be supported by the system. Therefore, we should promote the integration of policy finance, cooperative finance and Internet finance, and promote the sound development of Internet finance by means of strengthening self-discipline of the platform, improving the credit system and improving the information disclosure system, etc..

Key words: Internet finance; inclusive finance; financial exclusion