优化普惠金融服务体系 巩固提升普惠信贷能力

Core Viewpoint - The new policy support for inclusive finance aims to establish a high-quality comprehensive inclusive financial system in the next five years, focusing on enhancing services, credit systems, and insurance frameworks to better serve the public [1][2]. Group 1: Policy Framework - The "Implementation Plan" outlines four basic principles: adherence to party leadership, prioritizing people's needs, ensuring inclusivity and affordability, and providing comprehensive services [2]. - The plan sets a five-year goal to establish a high-quality inclusive financial system that promotes common prosperity [2]. Group 2: Financial Services and Credit - The plan emphasizes maintaining full coverage of basic financial services and optimizing the layout of county and township outlets [2]. - It aims to sustain loan issuance, optimize credit structure, and establish a long-term mechanism for affordable and commercially sustainable credit [2][6]. - The plan includes measures to enhance the credit management system, such as adjusting risk capital weight for small and micro enterprises and improving the tolerance for non-performing loans [6][7]. Group 3: Institutional Development - The plan encourages the establishment of specialized departments for inclusive finance in large and medium-sized banks and supports local banks in aligning their strategies with inclusive finance goals [4][5]. - It advocates for a multi-tiered, widely covered, differentiated, and sustainable institutional framework for inclusive finance [4]. Group 4: Support for Small and Micro Enterprises - The plan focuses on improving credit services for small and micro enterprises, including increasing the supply of incremental credit and reducing reliance on collateral [7]. - It emphasizes the need to strengthen credit support for private enterprises and ensure fair access to financial services [7].