普惠金融功能如何深化？屠光绍提出四条建议

Core Insights - The development of inclusive finance in China is accelerating, providing significant support for high-quality economic growth, but there are still shortcomings in the actual use of financial tools among small and micro enterprises and individual businesses [3][4] Group 1: Current State of Inclusive Finance - The average foreign exchange hedging rate for national foreign trade enterprises has reached 27%, while Yiwu, known for its high degree of outward orientation and nearly 100 billion USD in annual foreign trade, has a hedging rate of only 3% [3][4] - 99% of foreign trade entities in Yiwu are individual businesses and small enterprises, with 90% primarily focused on exports, leading to a low sensitivity to exchange rate risks [4] Group 2: Recommendations for Deepening Inclusive Finance - Expand the breadth and depth of inclusive financial services to achieve a combination of wide coverage and precision, focusing on specific fields, groups, regions, and financial services [4][5] - Promote coordination between supply and demand sides in inclusive finance, enhancing the variety of foreign exchange risk management products and addressing the challenges faced by small enterprises in understanding and utilizing financial tools [5][6] - Accelerate the integration of inclusive finance with digital and green finance, providing tailored comprehensive solutions to small enterprises to reduce costs and ensure equitable access to financial resources [6] - Continuously improve the inclusive finance ecosystem by balancing commercial and social aspects, utilizing financial services, government resources, technological innovation, and social forces to create a sustainable and effective support system for small enterprises [6]