2025普惠金融报告

Core Insights - China's inclusive finance has evolved from a historical leap of "from nothing to something" to a focus on "precision" and "quality" in the next decade, addressing challenges such as customer homogeneity and rising risk control costs [1][3][10] Development and Achievements - The balance of inclusive loans for small and micro enterprises reached 36.5 trillion yuan, a year-on-year increase of 12.1%, more than double the end of the 13th Five-Year Plan [3][4] - Financial services have expanded to rural areas, achieving nearly 100% coverage of insurance services in towns and villages [5][10] - The concept of inclusive finance was officially proposed in 2013, aiming to provide financial services to underserved groups [4][10] Challenges and Market Dynamics - The transition from a "blue ocean" to a "red ocean" market has led to increased competition among financial institutions, with challenges such as customer homogeneity and rising acquisition costs [10][12] - Banks face difficulties in identifying new clients, particularly in rural areas where small businesses often lack collateral [10][12] - The insurance sector struggles with accurately pricing inclusive health insurance products for low-income groups [11][12] Future Directions - The next decade will focus on enhancing the quality of inclusive finance, with an emphasis on creating a high-level inclusive financial system that supports common prosperity [13][14] - A new coordination mechanism for supporting small and micro enterprises is being established to improve financial service accessibility [14][15] - Financial institutions are encouraged to innovate and develop tailored financial products for specific groups, enhancing service delivery through digital transformation [15][16]