普惠金融旨在提高金融服务的可得性，其促进经济增长、提高社会福利水平的作用越来越受到各经济体的重视。尤其是相比发达国家，社会与经济相对落后、金融市场不完备的发展中国家更是把发展普惠金融作为促进经济增长的重要动力。以金砖国家为代表的新兴市场国家在普惠金融的制度设计、业务模式以及技术创新等方面已经较早地进行了探索与实践，取得了瞩目的成果，各国经济和金融的包容性和可持续性得到改善。同时金砖国家在普惠金融发展中也存在差异，经历了不同的路径。而未来随着金融科技的发展，数字技术将成为驱动普惠金融发展的重要动力。
With an aim to improving access to financial services，financial inclusion has been increasingly valued by all economies as it plays a critical role in boosting economic growth and improving social welfare. Compared with developed countries，developing countries featuring relatively backward economic and social development and underdeveloped financial market have put financial inclusion higher on its agenda，regarding it as an important engine driving economic growth. Emerging economies，with BRICS countries as the representatives，have long ago started their explorations and practices on the institutional design，business model and technical innovation of the financial inclusion. The countries have seen improvement of their economic and financial inclusiveness and sustainability. BRICS countries differ in the approaches to financial inclusion. With the development of financial technologies，digital technologies will become important drivers of financial inclusion.
