Core Insights - The core viewpoint emphasizes the importance of practical effectiveness and long-term sustainability in promoting inclusive finance, highlighting the shift from mere availability to quality of financial services [1] Group 1: Current Landscape of Inclusive Finance - The inclusive finance market has developed a diversified, multi-layered, and moderately competitive financial supply structure, with digital inclusive finance becoming a significant driving force for high-quality development [2][4] - The transition from "whether" to "how good" in inclusive finance indicates a critical phase where structural challenges are emerging, necessitating a focus on consumer capability building and risk management [5][6] Group 2: Role of Technology and Digital Finance - Digital transformation is seen as a new direction to overcome the "triangle dilemma" in inclusive finance, effectively lowering service costs and enhancing accessibility [6][10] - The application of financial technology has improved service efficiency but also raised concerns about digital divides and potential exclusion of certain demographics [10][11] Group 3: Policy and Regulatory Framework - The People's Bank of China's initiative to implement a one-time personal credit relief policy aims to balance strict credit system constraints with social welfare, addressing the needs of passive defaulters and enhancing credit market quality [8][9] - The government is encouraged to clarify the boundaries between government and market roles, ensuring that regulatory measures do not compromise the quality of inclusive finance services [6][12] Group 4: Future Opportunities in Inclusive Finance - Future growth points in inclusive finance are identified in three main areas: credit, insurance, and capital markets, with a focus on new citizens, flexible workers, and disabled individuals as emerging target groups [14][15] - The establishment of specialized funds for early-stage innovative enterprises is suggested to address the financing gaps faced by small and micro enterprises [15]