央行信贷市场司司长彭立峰：普惠金融应在六方面取得明显进展

Core Viewpoint - The 2025 Tsinghua Wudaokou Global Financial Forum emphasized the importance of inclusive finance in promoting social development and financial service accessibility in China [1] Group 1: Current Status and Future Direction of Inclusive Finance - Inclusive finance is defined as providing appropriate and effective financial services to all social strata at affordable costs, focusing on small and micro enterprises, farmers, low-income urban residents, the poor, disabled individuals, and the elderly [2] - Six key areas for progress in inclusive finance include: 1. Increased accessibility of basic financial services, ensuring every town has banking institutions [2] 2. Improved financing convenience for small and micro enterprises and individual businesses [2] 3. Enhanced financial services for rural development and infrastructure [2] 4. Strengthened financial consumer education and protection mechanisms [2] 5. Improved risk prevention capabilities in financial institutions [2] 6. Enhanced supporting mechanisms for inclusive finance, including better credit information sharing [2] Group 2: Monetary Policy and Credit Product Innovation - The People's Bank of China has implemented structural monetary policy tools, such as re-lending for agriculture and small enterprises, to support credit demand from vulnerable groups [3] - Measures include lowering re-lending rates and encouraging financial institutions to provide guaranteed loans for entrepreneurship, particularly for women and youth [3] - Financial institutions are being guided to enhance their service capabilities for small and micro enterprises through various reforms [3] Group 3: Consumer Protection and Future Development - The application of digital platforms and AI technology in inclusive finance is highlighted, with 430 million digital bank users in China [4] - The People's Bank of China is enhancing consumer protection through financial education, integrating it into the national education system, and establishing diversified dispute resolution mechanisms [4] - Future initiatives will focus on integrating inclusive finance with green finance and pension finance, enhancing support for vulnerable groups and improving financial service accessibility for the elderly [4]