把握普惠金融人民性 厚植金融为民底色

Core Viewpoint - The concept of "people-oriented" finance has become a key focus in the financial sector since the 20th National Congress of the Communist Party of China, emphasizing that financial work must prioritize the needs of the people [1][2][15]. Group 1: People's Finance Characteristics - The core of inclusive finance's "people-oriented" nature lies in adhering to a people-centered development philosophy, emphasizing fairness, inclusiveness, and accessibility in financial services [2][3][15]. - Inclusive finance distinguishes itself from traditional commercial finance by focusing on serving vulnerable groups such as small and micro enterprises, farmers, and low-income urban residents [3][16]. Group 2: Operational Philosophy - The "14th Five-Year Plan" requires inclusive finance to prioritize "people first and livelihood security," shifting from merely expanding quantity to enhancing quality and efficiency [4][17]. - Financial institutions are encouraged to develop products that address urgent issues in areas like pension, healthcare, housing, and employment for low-income groups [4][17]. Group 3: Addressing Financing Challenges - Financial institutions should innovate guarantee methods and explore credit products based on credit data and industry chain scenarios to alleviate financing difficulties [5][18]. - There is a need to regulate fees, streamline processes, and enhance service efficiency to reduce the costs and time associated with financing [5][18]. Group 4: Value Orientation - A balance between social value and commercial sustainability is essential, ensuring that financial services contribute to social equity while maintaining operational viability [5][19]. - The relationship between economic and social value must be harmonious, as neglecting social value can lead to exploitative practices in the name of inclusive finance [6][19]. Group 5: Service Objectives - The satisfaction of the public should be the core standard for evaluating the effectiveness of inclusive finance, focusing on alleviating difficulties in daily life and supporting small and micro enterprises [20][21]. - Financial services should reach underserved populations, including low-income urban residents and rural communities, ensuring comprehensive coverage [21][22]. Group 6: Product Design and Accessibility - Financial products should be designed with low thresholds and affordability in mind, avoiding high-cost barriers that exclude those in need [22][23]. - The focus should be on simplifying application processes and reducing unnecessary qualification restrictions to make financial services accessible to all [23][24]. Group 7: Interest Rate Design - There is a push to gradually lower loan interest rates in the inclusive finance sector, particularly for small and micro enterprises and ordinary residents, to reflect a "finance for the people" philosophy [11][24]. - Sustainable business practices are necessary, ensuring that financial institutions do not rely solely on high-interest rates to cover risks [11][24]. Group 8: Human-Centric Approach - Emphasizing a human-centered approach, financial services should address the digital divide faced by elderly and vulnerable populations, providing tailored solutions [12][25]. - Regulatory measures should be in place to protect consumers, particularly in sensitive areas like agriculture, elderly care, and education, to prevent exploitation [26][27]. Group 9: Overall Development Goals - The ultimate goal of inclusive finance is to create a sustainable, efficient, and warm financial ecosystem that serves the comprehensive development of individuals and meets the needs of the people [27][28].