★两部门明确未来5年普惠金融发展"任务书"

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, credit, and insurance [1][2]. Group 1: Inclusive Financial Services - The plan emphasizes the need to optimize the inclusive financial service system, enhance the quality and efficiency of credit services for small and micro enterprises, and strengthen credit support for agriculture, rural areas, and impoverished regions [1][2]. - It highlights the importance of equal protection for the financial rights of private enterprises, ensuring fair trading rights, informed consent, and information security [2]. Group 2: Inclusive Credit - The plan specifies the need to continuously increase credit resource input and improve the management system for inclusive credit, particularly for private enterprises with good credit and growth potential [2]. - As of the end of April, the balance of inclusive micro loans reached 34.3 trillion yuan, reflecting an 11.9% year-on-year growth, which is higher than the growth rate of other loans [2]. Group 3: Inclusive Insurance - The plan outlines further development in inclusive insurance, including the establishment of specialized mechanisms within insurance companies, diversification of insurance products, and enhancement of regulatory policies [2][3]. Group 4: Organizational Support - The plan stresses the importance of organizational coordination, team building, and digital empowerment to ensure the successful execution of tasks [3]. - Financial management departments are encouraged to improve risk monitoring and management capabilities, utilizing technologies such as cloud computing and big data to optimize service models and reduce costs [3].