金融监管总局、央行，最新发布！

Core Viewpoint - The implementation plan aims to establish a high-quality comprehensive inclusive financial system within five years, promoting common prosperity and optimizing the inclusive financial service system [1][6][22]. Group 1: Basic Principles - Adherence to the leadership of the Communist Party, ensuring its principles are integrated throughout the inclusive financial work [4][22]. - Emphasis on a people-centered approach, ensuring that the development of inclusive finance serves the people and shares its benefits with them [5][22]. - Commitment to a model that is both inclusive and beneficial, enhancing coverage and accessibility while reducing overall costs [5][22]. - Establishment of a comprehensive service system that includes inclusive financial services, credit, and insurance to support underdeveloped areas and specific groups [5][22]. Group 2: Main Goals - By 2028, a high-quality comprehensive inclusive financial system will be established, enhancing the service system and ensuring full coverage of basic financial services [6][22]. - The inclusive credit system will be consolidated, maintaining loan issuance and optimizing credit structure to better meet the diverse financial needs of small and micro enterprises, rural areas, and specific groups [6][22]. - The inclusive insurance system will gradually improve, providing quality and affordable products and enhancing insurance services [6][22]. Group 3: Key Tasks - Optimization of the inclusive financial service system, including the establishment of a multi-level, widely covered, and differentiated financial institution system [23][24]. - Strengthening the inclusive credit system, including improving management systems and enhancing credit services for small and micro enterprises [24][25]. - Development of the inclusive insurance system, focusing on professional mechanisms, product diversity, and quality service [25][26]. Group 4: Organizational Support - Emphasis on organizational coordination among financial management departments and local governments to ensure effective implementation of inclusive finance policies [26]. - Strengthening team building and enhancing the professional quality of personnel involved in inclusive finance [26]. - Leveraging digital technology to improve risk monitoring and service efficiency in the inclusive finance sector [26].