当前，我国消费市场正迎来金融力量的深度赋能。国家财政贴息政策落地、金融机构科技化转型、消费 金融产品创新等多重举措为消费金融行业注入动能，持牌机构该如何平衡普惠性与风险防控？如何用技 术破解消费者权益保护痛点？10月28日，金融科技大会作为论坛年会特定板块，与金融街论坛同期举 行，在由新华网承办的"科技驱动ESG升级：金融领域的责任创新与价值重塑论坛"专场活动上，蚂蚁消 费金融总经理江浩接受北京商报记者专访，他认为，如今，消费金融正从"规模扩张"转向"质量提升"， 金融健康成为核心关键词。未来，在科技加持与政策鼓励下，金融还将持续为消费市场注入活力。 "提供信贷"并非终点 9月1日，由财政部、中国人民银行、金融监管总局印发的《个人消费贷款财政贴息政策实施方案》落地 实施，其中明确的个人消费贷款财政贴息政策，也被解读为消费金融行业发展的一大利好。 机构层面，此次政策将消金公司纳入定点经办机构，个人层面，消费贷款可享受年化1%的财政贴息。 业内认为，这一政策信号，意味着监管层对消金行业在普惠金融体系中作用的认可，也进一步为消金机 构指明了"普惠消费场景"的核心方向。 相较传统银行，消金公司在消费场景覆盖和服务客群 ...

Core Viewpoint - The current consumer market in China is experiencing deep empowerment from financial forces, driven by multiple initiatives such as fiscal interest subsidy policies, technological transformation of financial institutions, and innovation in consumer financial products, which promote a healthy cycle of consumption [1][3]. Group 1: Policy Impact - The implementation of the personal consumption loan fiscal subsidy policy is seen as a significant boost for the consumer finance industry, recognizing its role in the inclusive financial system [3]. - The policy allows consumer loan companies to be designated as key processing institutions, with loans benefiting from an annualized 1% fiscal subsidy [3]. Group 2: Consumer Segmentation - The focus is shifting from merely providing financial products to enhancing financial health, addressing the specific needs of different consumer groups such as "credit white households" and new citizens [4]. - Ant Financial aims to help consumers overcome barriers to consumption by offering services like a maximum 41-day interest-free period for urgent expenses [4]. Group 3: Technology and Consumer Protection - AI technology is being utilized to enhance consumer protection capabilities, with the introduction of a multi-dimensional AI customer service assistant that improves service efficiency and customer satisfaction [7]. - The AI technology also aids in fraud prevention, achieving over 98% accuracy in identifying financial fraud [7]. Group 4: ESG Development - The integration of technology and finance is opening new avenues for ESG development, with financial institutions playing a crucial role in promoting sustainable practices [8]. - Ant Financial's initiatives, such as the "Little Red Flower" feature in Huabei, encourage responsible consumption and contribute to the company's sustainable development [8].

Core Viewpoint - Beijing Bank recognizes the strategic value of inclusive finance and prioritizes it as a key business and distinctive service, focusing on three driving forces to enhance its inclusive finance initiatives [1] Group 1: Technology-Driven Initiatives - The bank leverages digital technology to innovate tools, products, methods, and services, achieving an inclusive loan balance exceeding 260 billion yuan for small and micro enterprises [1] Group 2: Specialty-Driven Strategies - The bank is committed to a "first strategy" in technology finance, developing specialized projects and fostering new cultural productivity, implementing a dual approach of "digital risk control + scenario integration" [1] Group 3: Ecological Value Creation - Financial health is viewed as an advanced form of inclusive finance, transitioning service focus from mere availability to quality, with plans to establish a financial health laboratory in collaboration with the China Inclusive Finance Research Institute to enhance service delivery [1]

Core Viewpoint - Ant Group's senior vice president Jin Xiaolong emphasizes that artificial intelligence (AI) will reshape inclusive finance and promote financial health, transitioning from merely addressing coverage issues to enhancing service experience [1] Group 1: AI Capabilities Driving Financial Transformation - Jin highlights three core capabilities of AI: deep understanding and generation, complex reasoning and planning, and multimodal integration and execution, marking a significant evolution in AI's role beyond automation [2] - The People's Bank of China reports that over one-third of business entities have received support through inclusive microloans, showcasing the effectiveness of current inclusive finance initiatives [2] - Ant Group's subsidiary, MYbank, has provided comprehensive financial services to over 68 million small and micro business owners, with nearly 80% of new users in credit being first-time borrowers [2] Group 2: AI Promoting Financial Equity - MYbank is exploring the concept of an "AI credit expert" for small and micro enterprises, which combines industry knowledge and intelligent interaction to assess creditworthiness [3] - The consistency of AI credit experts with human approval processes improved from 39% to 90% within five months, demonstrating the reliability of large model decision-making [3] - In wealth management, an intelligent operational engine predicts users' funding needs, aiding investment managers in asset allocation, with AI wealth management products showing lower yield volatility compared to market averages [3] Group 3: AI Enhancing Financial Health - Ant Group's consumer finance division has introduced a "bill assistant" tool that empowers users to manage their spending limits, resulting in a 10% reduction in bill amounts but an 8% lower delinquency rate among 270 million users [5] - The "Little Red Flower" risk control system supports credit limit increases based on various professional certifications, halving the default rate for participating users [5] Group 4: Building an Intelligent Financial Ecosystem - Jin calls for collaboration among peers in technology exploration, standard setting, and governance to create an inclusive, responsible, and sustainable intelligent financial ecosystem [6] - The integration of AI with inclusive finance is shifting the focus from broad coverage to improved service quality, potentially redefining the value boundaries and pathways of inclusive financial services [6]

Core Viewpoint - The development of inclusive finance in China has transitioned from basic service provision to a key stage of high-quality development, with a focus on expanding the scope and depth of services beyond just credit to include insurance and wealth management [1][3]. Group 1: Inclusive Finance Ecosystem - The current inclusive finance loan scale has reached 36 trillion yuan, effectively alleviating financing difficulties for certain groups [3]. - There is a growing recognition that the financial needs of vulnerable populations extend beyond credit to include insurance and wealth management services [3]. - The demand for inclusive insurance and wealth management is urgent, with a call for rural residents to have easier access to investment accounts similar to urban counterparts [3]. Group 2: Product Design and Service Provision - A shift from a "product-oriented" approach to a "customer-oriented" approach is necessary to meet the needs of small and micro enterprises and vulnerable groups [4]. - Innovative insurance products, such as a one-yuan-per-day policy that covers multiple risks, have gained popularity among farmers, highlighting the importance of tailored product design [4]. - The development of customer-centric products requires enhanced service capabilities from financial institutions, which is crucial for improving the inclusive finance ecosystem [4]. Group 3: Regulatory and Policy Support - The balance between the expansion of inclusive finance and risk management is critical, with a focus on the quality of services rather than just the quantity of transactions [5]. - Financial health indicators should be used to assess whether services genuinely benefit users, considering factors like debt levels and income [5]. - Regulatory frameworks need to be dynamically adjusted to support product innovation aimed at vulnerable populations, allowing the industry to improve gradually [6]. Group 4: Promoting Consumption - Middle and low-income groups represent significant consumption potential in China, but their effective demand has not been fully realized [7]. - Consumption credit can play a role in stimulating reasonable consumption demand among these groups, especially in the context of economic downturns [7]. - Policies should address both the promotion of consumption finance and the resolution of issues related to debt defaults, creating a positive cycle of consumption, economic growth, and inclusive finance development [7].

Core Viewpoint - The report emphasizes the role of platform economy in enhancing inclusive finance, highlighting the need for a stakeholder perspective to ensure sustainable growth in the future [1][3]. Group 1: Digital Payment and Credit Accessibility - The platform economy has significantly advanced digital payment in China, with the usage rate among adults rising from 49% to 89% over the past decade [1]. - The proportion of adults obtaining credit from formal financial institutions increased from 20% to 41% in the same period, driven by technological innovations in digital risk control and alternative data applications [1]. Group 2: Employment and Economic Impact - Platforms have reshaped resource allocation efficiency by reducing transaction costs and enhancing matching efficiency, leading to the online transformation of various economic activities [2]. - The development of platforms has created new job opportunities, improved employment matching efficiency, and integrated employment resources, contributing to rural development and entrepreneurship [2]. Group 3: Financial Well-being and Consumer Focus - The report suggests that the focus should shift from mere accessibility to enhancing consumer financial well-being, particularly in the insurance and wealth management sectors [3]. - It highlights the importance of addressing issues such as data privacy and price discrimination, advocating for a shift towards "suitability" in services provided to consumers [3].

Group 1 - The core viewpoint emphasizes the acceleration of a "positive cycle" in credit improvement, financial service optimization, and social value creation, driven by the digital economy, which is creating value for deeper financial service transformation and broader economic environment optimization [1][30] Group 2 - The formula "Money + Credit = Total Expenditure" illustrates that total expenditure is a driving force of the economy, highlighting the importance of credit in value creation [4] - The construction of a credit system is crucial as the entire capital market and modern financial system are built on commercial and banking credit, which supports high-quality development in the financial industry and the broader economy [5] Group 3 - Innovations in credit collection and usage are key for market participants to break through and enhance the quality and efficiency of financial services [6] - As of September 2023, the number of individuals recorded in China's financial credit information database has increased to 1.164 billion, up from 520 million in 2006 [6] Group 4 - The consumer finance industry has significantly contributed to reducing credit "white households" and filling gaps in the credit market, with the number of customers served by consumer finance companies exceeding 300 million by the end of 2022, a year-on-year increase of 18.4% [7] - The development of big data and artificial intelligence technologies has enhanced the value of credit in risk control, operations, and services [8] Group 5 - The rise of consumer finance is closely linked to the construction of a credit society, as evidenced by the development history of China's consumer finance industry [11] - Consumer finance companies have filled market gaps by providing financial services to individuals who were previously underserved due to inadequate credit information [12] Group 6 - The consumer finance sector is now in a period of intense competition, facing challenges such as uneven supply and demand, with traditional financial institutions becoming more conservative in their lending practices [14][15] - The key to addressing these challenges lies in elevating product and operational strategies to provide customers with opportunities for "self-certification" [17] Group 7 - The "self-service" system developed by companies like Zhaolian is a representative solution that allows customers to manage their credit needs and improve their experience [19][21] - The "self-service" model is seen as a higher form of service that redefines products and services around customer needs [22] Group 8 - The concept of "financial health" has been introduced to assess how well individuals manage their finances, which aligns with the evolving needs of the Chinese market [26][27] - Consumer finance companies are expected to recalibrate their market positioning in response to regulatory changes and the evolving landscape of financial services [28] Group 9 - The value of credit will become more pronounced as financial institutions deepen their understanding of customers, leading to improved service precision and depth [29] - The mutual commitment between financial institutions and customers to uphold credit expectations fosters a stronger relationship, particularly benefiting new citizens and those contributing to rural revitalization [30]

Core Insights - The seminar focused on how inclusive finance can support sustainable rural development goals, specifically targeting "no poverty, no unemployment, no net carbon emissions, and financial health" [1][8] - The "Three No's and One Yes" project aims to enhance financial health in rural areas, thereby preventing poverty, promoting employment, and reducing carbon emissions [2][7] Group 1: Project Overview - The project selected Zhejiang Lishui and Sichuan Chengdu as pilot areas, integrating green low-carbon agricultural development, rural clean energy utilization, and financial product innovation [2] - The project team conducted extensive research in 9 towns and 20 villages, developing a financial health index aligned with the UN Sustainable Development Goals (SDGs) [2] Group 2: Expert Contributions - Experts emphasized the urgency of achieving "no unemployment," particularly for younger generations and returnees, advocating for a one-stop digital financial service platform [4] - Suggestions were made to establish effective project implementation mechanisms to ensure sustainability beyond the project's duration [5] Group 3: Practical Applications - The integration of financial health with ecological agriculture and low-carbon technologies was highlighted, with practical models like "photovoltaics + farmers" proposed [6] - The project aims to evolve from merely having inclusive finance to ensuring its quality, incorporating ESG principles into rural revitalization [7] Group 4: Future Outlook - The project is expected to create a replicable "Chinese solution" for global rural sustainable development, supported by policy, technology, and multi-party collaboration [8]

Core Viewpoint - The 2024 China Consumer Financial Health Report indicates an improvement in consumer financial health, with the proportion of individuals scoring above 60 increasing by 7.4 percentage points compared to 2023, despite macroeconomic challenges [1][2]. Group 1: Financial Health Index - The average financial health index rose from 55.4 in 2023 to 59.3 in 2024, with 45.6% of consumers scoring 60 or higher, marking a 7.4 percentage point increase from the previous year [2][3]. - Key dimensions showing improvement include financial resilience, future investment, and control, while daily management showed minimal improvement or slight deterioration [2]. Group 2: Savings Behavior and Financial Health - There is a strong positive correlation between good saving behavior and better financial health, with savers performing better than non-savers at similar asset levels [3]. - Keeping track of expenses significantly benefits financial health, as those who maintain records show better financial outcomes than those who do not, even at higher asset levels [3]. Group 3: Policy Recommendations - The report suggests incorporating financial health into the inclusive finance policy framework to monitor and achieve high-quality, sustainable development [4]. - It emphasizes the need for financial institutions to recognize the "win-win" effects of customer financial health and to continuously measure it for business optimization [4]. Group 4: Consumer Behavior and Economic Growth - Improved financial health is linked to increased discretionary spending, particularly on non-essential items, which can stimulate macroeconomic growth [5][6]. - The report highlights that younger generations and certain demographic groups with weaker financial health could release more discretionary spending as their financial health improves [6]. Group 5: Digital Financial Solutions - The advancement of digital technology and artificial intelligence can aid in achieving better financial health by helping consumers manage daily expenses and utilize credit resources effectively [7]. - Basic financial management tools, especially those that assist in saving and managing daily expenditures, are identified as primary needs for consumers facing economic pressure [7].