专访普惠金融联盟负责人：普惠金融重点已转向服务质量和深度 中国即时支付系统处于领先地位

Core Insights - The Alliance for Financial Inclusion (AFI) has implemented over 920 evidence-based policy changes in the past 15 years, focusing on promoting inclusive finance strategies among member countries [1] - A key global trend in inclusive finance is the development of inclusive instant payment systems, with nearly 20 countries establishing such systems recently, and over 80 countries having implemented them [2] - China is a leader in the instant payment system space, with significant roles played by private sectors like WeChat Pay and Alipay, while the central bank oversees the core infrastructure [2] Global Trends - The rise of digital platforms and "super apps" is a significant trend, with China being a pioneer. This model is spreading to regions like Southeast Asia, South Asia, Africa, and Latin America, where payment and financial services are integrated with non-financial services [4] - The focus of inclusive finance is shifting towards the quality and depth of financial services, with an emphasis on digital payment applications in sectors like agriculture and healthcare [5][6] Future Opportunities - In the next 3 to 5 years, sectors such as agriculture, healthcare, and technology are expected to drive the development of inclusive finance, particularly through digitalization and green finance initiatives [5][6] - Small and medium-sized enterprises (SMEs) are poised to benefit from digitalization, allowing them to access global markets and reduce financing costs through enhanced competition and digital processes [7]