蓝皮书：技术创新推动数字消费金融行业提质增效

Group 1 - The core competitiveness of digital consumer finance will increasingly rely on the efficient allocation of digital technology and data elements [1][2] - Digital consumer finance will gradually cover all scenarios of consumers' smart lives, fostering a specialized business system through orderly competition [2] - The industry will expand its incremental space in sustainable development areas such as agriculture, elderly care, and green finance, with a focus on rural markets [3] Group 2 - The rapid development of frontier technologies like AI will drive innovation and transformation in the digital consumer finance sector, enhancing service efficiency and data governance [2] - Digital consumer finance will act as a bridge connecting consumers and the real economy, improving financial services' capability to support the real economy [2] - The industry will explore cross-border payment and consumer credit linkage, leveraging the internationalization of the digital yuan and the Belt and Road Initiative [2][3]