云计算天然具有普惠因子,在加速普惠金融发展方面具有内在优势,能够有效配置金融供需,增大金融服务的覆盖范围,在技术层面缓解金融供需双方信息不对称的问题。作为互联网金融快速发展的技术支撑,云计算不仅改变着金融消费者原有生活方式和行为理念,使金融消费者能够更加便捷、低成本、随时随地获取金融服务,也影响着传统金融业务模式,使金融机构能够在更大范围以更低的成本提 Cloud computing has an all-inclusive factor in nature, which has inherent advantages in accelerating the development of inclusive finance, effectively allocating financial supply and demand, increasing the coverage of financial services and alleviating information asymmetry between financial suppliers and suppliers on a technical level. As a technical support for the rapid development of internet finance, cloud computing not only changes the original lifestyle and behavior concepts of financial consumers, but also enables financial consumers to access financial services more readily and at low cost, and also influences the traditional financial business models. So that financial institutions can be more extensively at a lower cost