“眼睛向下”优化普惠金融发展

Core Viewpoint - The recent Central Economic Work Conference emphasizes the importance of inclusive finance in supporting small and micro enterprises, technological innovation, and expanding domestic demand, which are crucial for economic development and public welfare. Group 1: Inclusive Finance Development - By the end of Q3 2025, the balance of inclusive loans for small and micro enterprises reached 36.5 trillion yuan, a year-on-year increase of 12.1% [1] - The balance of inclusive agricultural loans was 14.1 trillion yuan, with an increase of 1.2 trillion yuan since the beginning of the year [1] Group 2: Service Innovation - Financial institutions are encouraged to address financing needs in remote and rural areas, enhancing the depth and breadth of inclusive finance services [2] - The Industrial and Commercial Bank of China has established service teams to engage directly with small enterprises, promoting easy-to-access financial products [2] - Small and micro enterprises are identified as key to connecting macro policies with microeconomic vitality, necessitating a shift in financial institutions' focus from collateral to creditworthiness [2] Group 3: Support for Small and Micro Technology Enterprises - China Construction Bank is focusing on providing services to small technology enterprises, with a 41.3% year-on-year increase in loans to these businesses, supporting over 130,000 firms [3] - Minsheng Bank has launched an electronic guarantee service to streamline the process for small enterprises, significantly reducing the time required to obtain guarantees [3] Group 4: Coordination Mechanisms - A new financing coordination mechanism has been established to facilitate direct access to credit for small enterprises, enhancing collaboration between central and local authorities [4] - The mechanism has led to significant loan disbursements, with over 590 billion yuan in credit loans processed through coordinated efforts [6] Group 5: Technological Empowerment - The application of artificial intelligence in finance is enhancing the efficiency of inclusive financial services, improving decision-making and resource allocation [7] - Mobile banking has drastically reduced service costs, with mobile transactions costing about 1/5 of face-to-face interactions [8] - The integration of digital technologies is leading to faster loan approval processes and the development of customized financial products [9]