金融活水精准滴灌 《智普惠 新金融（2024）》重磅发布

Core Viewpoint - The development of inclusive finance in China has evolved from a policy initiative to a core driver for balanced economic and social development, with a goal to establish a high-quality comprehensive inclusive financial system within the next five years [1] Group 1: Development Goals and Achievements - The implementation plan released by the Financial Regulatory Administration and the People's Bank of China aims to enhance inclusive finance to promote common prosperity [1] - The inclusive finance system in China has made historic achievements over nearly a decade, addressing structural issues such as financing difficulties and high costs for small and micro enterprises and agricultural entities [1] Group 2: Technological Integration - The shift from "quantitative expansion" to "qualitative improvement" in the inclusive finance sector is a key challenge, with financial technology represented by big data and artificial intelligence being crucial for resolving structural contradictions [2] - Innovations like the "live biological digital" loan model by Industrial Bank utilize IoT and AI to convert hard-to-assess rural assets into quantifiable digital credit, addressing credit collateral issues in agriculture [2] Group 3: Expert Insights and Theoretical Framework - The book invites experts to analyze the future of inclusive finance, emphasizing the need for a dual-driven approach from both government and market to resolve structural contradictions [3] - The research team summarizes common issues from case studies, providing a practical and policy-oriented perspective alongside theoretical insights [3] Group 4: Case Studies and Innovations - The book features over 80 case studies showcasing diverse innovations in business collaboration, product design, and risk management within the inclusive finance sector [4] - Notable examples include the "water-saving loan" by Bank of China and the use of satellite technology by ICBC to optimize agricultural credit models, demonstrating how technology can enhance rural economic services [4] Group 5: Service to New Citizens and Consumer Protection - Institutions like the National Development Bank and China Postal Savings Bank are exploring financial services tailored to new citizens, including pension finance and community finance [5] - Innovations in product and service delivery, such as digital financial education by China Construction Bank and services for the hearing-impaired by Shenzhen Rural Commercial Bank, highlight the sector's commitment to improving customer experience and protecting consumer rights [5] Group 6: Future Directions - The publication of "Intelligent Inclusive New Finance" marks a pivotal moment as inclusive finance transitions from quantity to quality, providing insights and methodologies that may guide future reforms and innovations in the sector [5]