潘功胜：推动金融机构完善内部激励约束机制，提升金融服务的便捷性、有效性、覆盖面

Core Viewpoint - The People's Bank of China (PBOC) aims to enhance financial support for key areas such as domestic demand, technological innovation, and small and micro enterprises to strengthen domestic circulation and promote high-quality development [1][3]. Group 1: Support for Domestic Demand and Consumption - The PBOC will implement comprehensive measures to meet diverse financial needs in the consumption sector, including a dedicated 500 billion yuan for consumer and elderly care re-loans [1][3]. - Financial institutions will be encouraged to innovate financial products and improve payment services to enhance consumer finance service levels [1][3]. - A one-time personal credit repair policy will be implemented to improve the consumer finance environment [1][3]. - Qualified financial institutions will be supported in issuing financial bonds to increase funding capacity in the consumption sector [1][3]. Group 2: Support for Technological Innovation - The PBOC will continue to increase policy support for technological innovation, including raising the quota for re-loans aimed at technology innovation and technological transformation [1][3]. - Private small and medium-sized enterprises (SMEs) with high R&D investment levels will be included in the support scope [1][3]. - A risk-sharing tool for bonds related to technological innovation and private enterprises will be established to provide re-loan support and promote the development of a "technology board" in the bond market [1][3]. Group 3: Support for Small and Micro Enterprises - The PBOC will enhance the accessibility and convenience of financing for small and micro enterprises by increasing re-loan and rediscount quotas, with a specific allocation of 1 trillion yuan for private enterprises [2][4]. - Financial institutions will be supported in issuing financial bonds for small and micro enterprises, utilizing financing support tools for private enterprises [2][4]. - The credit enhancement system for private SMEs will be improved, leveraging government financing guarantees and information sharing [2][4]. - Collaboration with various departments such as development reform, commerce, industry, and technology will be strengthened to enhance coordination and information sharing [2][4]. - Financial institutions will be encouraged to improve internal incentive mechanisms to enhance the convenience, effectiveness, and coverage of financial services [2][4]. - Coordination between monetary and fiscal policies will be emphasized to amplify the effects of financial support through measures like fiscal interest subsidies, guarantees, and risk compensation [2][4].