Analysis of the Current Situation of the Development of Digital Inclusive Finance and the R&D Expenditure of Private Enterprises

Abstract

With the rapid development of science and technology, digital finance, as an emerging financial service model, is rapidly emerging around the world. With the support of the Internet, big data, artificial intelligence and other advanced technologies, it has not only changed the traditional way of financial services, but also brought far-reaching impact on economic and social development. However, the coverage of digital finance is also becoming increasingly prominent, especially in some developing countries and regions, and the popularization and application of digital finance still face many challenges. There is a mutually reinforcing relationship between the development of digital inclusive finance and R&D expenditures of private enterprises. By strengthening guidance and support, promoting the deep integration of financial technology and the real economy, and establishing sound risk prevention and control mechanisms, the interaction and common development between the two can be further promoted. It is crucial to promote the sustainability of digital finance and improve the inclusiveness of financial services by collecting and analyzing relevant data, conducting field visits and interviews, conducting in-depth analysis of the current development status of inclusive digital finance, research and development expenditures of private companies, and analyzing current challenges and appropriate remedial measures.