金融监管总局、央行发布！

Core Viewpoint - The implementation plan for high-quality development of inclusive finance in the banking and insurance sectors aims to establish a comprehensive inclusive financial system over the next five years, focusing on inclusive financial services, inclusive credit, and inclusive insurance [1][2]. Group 1: Inclusive Credit - The plan emphasizes the need to enhance the inclusive credit management system, improve credit services for small and micro enterprises, and strengthen credit support for agriculture and poverty alleviation areas [1][2]. - A notable addition is the increased support for private enterprises, reflecting a response to changing economic conditions and the need for targeted measures [1][2]. - As of the end of April, the balance of inclusive micro loans reached 34.3 trillion yuan, showing a year-on-year growth of 11.9%, which is higher than the growth rate of other loans [2]. Group 2: Inclusive Insurance - The market potential for inclusive insurance is significant, with projections indicating that by 2030, the total scale of China's insurance market will exceed 7 trillion yuan, with a compound annual growth rate of 6.4% [3]. - The plan outlines specific measures to enhance the supply of inclusive insurance products, including expanding agricultural insurance and developing products tailored for small and micro enterprises [3]. - Regulatory measures will be implemented to incorporate the development of inclusive insurance into the evaluation system for insurance companies, ensuring a robust framework for monitoring and incentivizing growth in this sector [3]. Group 3: Organizational Support - The plan highlights the importance of organizational coordination, team building, and digital empowerment to support the implementation of tasks [4]. - Financial management departments are encouraged to enhance risk monitoring and prevention capabilities, guiding banks and insurance institutions to increase support in weak areas of inclusive finance [4]. - The use of advanced technologies such as cloud computing, big data, and artificial intelligence is promoted to optimize service models and improve risk control [4].