专家：AI赋能县域金融迈向高质量发展新周期

Core Viewpoint - The current county financial sector in China is transitioning from merely ensuring service coverage to focusing on the quality of services, marking a new phase of high-quality development [1] Group 1: Achievements and Challenges - County financial services have made significant progress in service network coverage and credit scale expansion, but face challenges such as regional development imbalances, compliance risks, and low levels of digitalization [1] - The single structure of county industries leads to insufficient risk resistance and a lack of depth in financial services, compounded by a shortage of talent, which restricts the effectiveness of financial empowerment [1] Group 2: Pathways for Improvement - Experts suggest that the transition from "coverage" to "quality enhancement" requires exploration of new pathways, leveraging technology and collaborative efforts to break through existing barriers [2] - High-quality development of county finance necessitates a collaborative effort among government, market, and society, as unilateral efforts are unlikely to succeed [2] - Financial institutions must embrace their responsibility to support rural revitalization while seizing innovation opportunities brought by financial technology [2] Group 3: Recommendations for Financial Institutions - Financial institutions should utilize their data accumulation advantages to build industry-level datasets and seize leadership in the AI application ecosystem [2] - Accelerating government data sharing and breaking down departmental data barriers are essential for deepening the linkage between digital government and inclusive finance, particularly for the digital adaptation needs of rural elderly populations [2] - Financial institutions are encouraged to develop a "one county, one policy" service system to meet the large funding needs of area development through collaborative loans and policy coordination, transitioning from "funding providers" to "industry partners" [2] Group 4: Overall Consensus - Experts agree that county finance should maintain its focus on supporting agriculture and small enterprises while avoiding homogeneous competition [3] - Digital technology should be leveraged to enhance service efficiency and inclusiveness [3] - A multi-party collaboration mechanism involving government, financial institutions, and society is essential to inject strong financial momentum into rural revitalization [3]