【大河财立方 记者 徐兵】"当金融服务像水电一样'随地可接、随需可用'，普惠金融才算真正触及'包容共进'的本质。" 5月18日，在 深圳举行的2025清华五道口全球金融论坛上，全国社会保障基金理事会原副理事长、深圳市金融稳定发展研究院理事长王忠民的论 断，揭开了"普惠金融促进包容共进"主题讨论的核心命题。 来自中国、老挝、普惠金融联盟（AFI）的嘉宾，以技术创新、区域实践和制度协同为支点，探讨如何让金融服务跨越地理鸿沟与制 度壁垒。 技术赋能，AI重塑金融服务的"零边际成本"时代 "AI时代的普惠金融，本质是让技术红利转化为人人可及的金融平权。"王忠民以三大场景诠释技术颠覆性："AlphaFold开源蛋白质结 构库让全球新药研发成本下降90%，如果金融反欺诈模型也能免费共享，中小银行就能零成本提升风控能力。" 他山之石可以攻玉，王忠民建议："可借鉴拼多多下沉市场策略，通过'零收费数字支付+本地化服务'激活末端需求，中国经验表明， 这类模式能使县域金融覆盖率年均提升6%。" 彭立峰介绍中国"普惠+养老"创新："我们设立5000亿元消费与养老再贷款，同时整治拒收现金，要求银行网点保留现金服务窗口。数 据显示，适老 ...

Core Insights - The first China-Arab Investment Summit was successfully held in Abu Dhabi, UAE, focusing on facilitating Chinese General Partners (GPs) in global project expansion and attracting foreign investments [1][2] - Over 80 influential figures from the fund industry in China and the Middle East participated to discuss global investment trends and cooperation [1][2] Investment Trends and Strategies - A roundtable forum titled "Global Investment Trends in 2025 - Navigating Uncertainty and Emerging Opportunities" was held, featuring discussions on the advantages of the UAE for startups and strategies to address challenges in cross-continental expansion [3][4] - The forum emphasized the importance of localized partnerships and joint ventures as a core strategy for successful global expansion, enabling companies to build consumer trust and streamline market entry processes [8][9] Challenges and Solutions - Key challenges identified include fragmented regulations, cultural differences, and operational complexities faced by startups during cross-continental expansion [6][7] - Strategies discussed included balancing localization with brand and technological consistency, and understanding local regulatory frameworks to enhance investor trust [6][19] Sector-Specific Strategies - Jaffer Mir proposed creating specific regional "corridors" (e.g., Asian product corridors) to facilitate structured cross-border expansion, addressing regulatory constraints and cultural sensitivities [12][13] - Focusing on specific vertical sectors such as fashion and healthcare was highlighted as a strategy to leverage the UAE's geographical advantages and integrate regional resources [14][15] Technological Innovations - The integration of distributed energy systems with marine ecology was proposed to address energy and food security issues, utilizing technologies like hydrogen to enhance farming environments [16][18] - AI technology was noted for its role in improving marine resource exploration efficiency, significantly reducing traditional detection times from five days to one hour [17][18] Policy Environment - The UAE's supportive policy environment for startups was discussed, highlighting government-led incubators and investment institutions that provide regulatory compliance guidance and market entry support [19][20] - Emphasis was placed on the necessity of compliance as a prerequisite for market entry, with recommendations for companies to leverage local professional institutions to mitigate regulatory risks [19][20]