从“有没有”到“好不好”（记者手记）

Core Insights - The development of inclusive finance in China has achieved significant progress, with a focus on improving the quality and accessibility of financial services for rural and low-income populations [1][2][3] Group 1: Achievements in Inclusive Finance - The average annual growth rate of inclusive microloans has exceeded 20% during the 14th Five-Year Plan period, with over 60 million inclusive microloan accounts covering about one-third of operating entities [1] - The coverage rate of county-level banking institutions has reached 100%, and the coverage rate in townships is approximately 98%, achieving basic financial service accessibility in rural areas [1] Group 2: Future Directions for Inclusive Finance - The focus of inclusive finance is shifting from merely providing access to ensuring the quality of services, emphasizing the need for improved accessibility, convenience, and customer satisfaction [1][3] - Financial services must be tailored to meet the diverse needs of different customer groups, particularly in rural and remote areas, requiring innovative and localized solutions [2] - Enhancing the "micro-circulation" of finance is crucial, addressing bottlenecks in the last mile of financial service delivery, and ensuring that digital financial solutions do not compromise the availability of physical branches and personal services [2]