崔一帆

近年来，金融科技与普惠金融的深度融合已成为优化金融体系、促进经济均衡发展的重要驱动力。普惠金融旨在为传统金融服务覆盖不足的群体——包括农村居民、小微企业和低收入人群——提供可负担、便捷且安全的金融服务。作为中国领先的金融科技平台，支付宝依托其技术优势、生态系统及庞大用户基础，在推动普惠金融发展方面发挥了重要作用。本文将从拓宽服务覆盖面、降低交易成本、提升服务效率、推动产品创新四个维度分析支付宝的实践路径，并深入探讨其面临的监管合规风险、数字鸿沟问题、风控压力及同质化竞争等挑战，最后提出针对性建议以促进金融科技赋能普惠金融的可持续发展。

金融科技；普惠金融；支付宝；小微企业；数字金融

[1] JOSCHA B, JOSEPH A. Global financial cycle, media coverage and currencies of emerging markets [J]. Macroeconomic Dynamics, 2026, 29: e169-e. [2] ZHANG G, SUN Y. The FinTech Revolution: A Systematic Literature Review of Its Impact on the Global Financial Landscape [J]. Proceedings of Business and Economic Studies, 2026, 9(1): 31-5. [3] ARRABACA L S I. Digital Payment Trends and Institutional Financial Implications: Global Evidence and a Case Study of a Philippine Higher Education Institution [J]. Asian Journal of Economics, Business and Accounting, 2026, 26(2): 48-58. [4] BAGARTI M K, PAHWA S. Bibliometric analysis on green finance and sustainable investment [J]. International Journal of Financial Engineering, 2025, (prepublish). [5] HE W, SLEIMAN K A A, SULIMAN M A E. Exploring the role of mobile payment adoption in China: An empirical analysis of Alipay and WeChat Pay [J]. Acta psychologica, 2025, 259: 105345. [6] JU R. When digital money meets relational surveillance: overseeing and reshaping people’s ordinary lives, emotions, and social relations in small towns and villages through Alipay [J]. Chinese Journal of Communication, 2025, 18(3): 315-31. [7] KHAN P A, JOHL S K, AROKIASAMY L, et al. Finance, Technology, and Sustainability for Sustainable Innovation [M]. IGI Global Scientific Publishing. [8] ZENG Y, ZENG G. Research on Mobile Payment Technology Development of Alipay [J]. Industry Science and Engineering, 2025, 2(3). [9] 胡伟伟. 移动互联网金融模式的创新路径研究 [D]; 浙江大学, 2023. [10] 陈柳钦. 金融科技发展现状、面临挑战与对策 [J]. 青海金融, 2025, (08): 44-52. [11] GAO Y, SHENG J, SHI B. Risk and Liability Analysis on Alipay Payment Model E-Commerce Platform [J]. Journal of Business and Marketing, 2024, 1(2). [12] MINGXIAO Z, INDRA A. The behaviour of FinTech users in the Alipay Ant Forest platform towards environmental protection [J]. Journal of Open Innovation: Technology, Market, and Complexity, 2024, 10(1): 100201-. [13] 旷菂. 互联网消费信贷风险管理研究 [D]; 上海大学, 2024. [14] TADAO K C, GIOVINAZZO S R, LEME F A, et al. Determinants of success of mobile payments as innovations: An exploratory study based on the extant literature, the M-Pesa, Alipay, and Nubank cases, and the opinion of experts [J]. Future Business Journal, 2023, 9(1).

点击下载PDF