陆家嘴论坛热议普惠金融：如何实现普惠与商业价值融合？

Core Viewpoint - The discussion at the Lujiazui Forum emphasized the importance of inclusive finance as a means to achieve social equity and economic inclusivity, highlighting the need for integration of commercial value with inclusive finance initiatives [1][2] Group 1: Inclusive Finance Development - The rapid proliferation of digital financial services, such as mobile payments, has significantly enhanced the accessibility and convenience of global inclusive finance [1] - Omar Hafeez from Abu Dhabi First Bank Group noted that inclusive finance can help alleviate poverty and better allocate financial resources amid increasing global imbalances and changing trade dynamics [1] - Zhang Xiaodong from the Agricultural Development Bank of China stressed the need for balanced and accessible inclusive finance services to promote social equity and economic inclusivity, advocating for a broad inclusive finance concept, deepening digital empowerment, and strengthening innovation for sustainable development [1] Group 2: Practical Implementation and Challenges - Gu Jianzhong, Secretary of the Shanghai Bank, highlighted the significance of balancing risk coverage and real financing needs in assessing the accessibility of inclusive finance, emphasizing that it should not be limited to simple credit offerings [2] - He also pointed out the necessity of providing comprehensive services, including settlement, account management, and risk hedging, to truly embody the essence of inclusive finance [2] - In addressing the unique challenges of financing technology innovation enterprises, Gu suggested a need to reshape risk evaluation logic and achieve a balance between risk and return, acknowledging the inherent risks associated with such ventures [2] Group 3: Role of Technology - Yasushi Itagaki from MUFG emphasized the importance of leveraging the capabilities of major companies like Alibaba and Tencent in promoting inclusive finance, citing their infrastructure, big data advantages, and significant market share as critical assets [2] - He advocated for these companies to play a demonstrative role in the inclusive finance sector, particularly in ensuring fairness in personal credit assessments [2]