田利辉：普惠金融需要从“数字”阶段迈向“数智”阶段

Core Viewpoint - The development focus of inclusive finance has shifted from "the last kilometer" to "the last hundred meters," with trust issues becoming a critical bottleneck for further development [1][2] Group 1: Current State of Inclusive Finance - China has a leading position globally in terms of the coverage of inclusive finance, but the challenges of the "last hundred meters" are becoming increasingly prominent [1] - The "last hundred meters" refers to the difficulties in ensuring that small and micro enterprises, particularly in rural areas, can access loans and that the borrowers are trustworthy [1] Group 2: Role of Technology - New technologies, such as artificial intelligence and digital currency, are seen as potential solutions to the trust issues in inclusive finance [1] - AI is reshaping risk control models through deep mining of high-quality financial data [1] - Digital RMB is highlighted for its transparency and traceability, which could facilitate cheaper loans to long-tail groups and small enterprises, provided that a trust chain exists [1] Group 3: Future Directions - Inclusive finance needs to transition from a "digital" phase to a "smart" phase, focusing on proactive insights and personalized services [1] - The next stage of finance is expected to be intelligent, based on data analysis, which can help avoid various connection issues [2] - If these advancements are successfully implemented, China's finance sector could lead globally and create a new ecosystem for human financial civilization [2]