消费是经济增长的"主引擎"，相关政策密集出台、连贯发力，彰显对消费领域的高度关注。近日，中宏 网《信用会客厅》栏目组织专家围绕"深化信用赋能实践 助力消费提质扩容"主题召开专题研讨会，会 议取得圆满成功。首都师范大学信用立法研究中心研究员、国家市场监督管理总局中国企业信用指数专 家薛方应邀出席研讨会并作了主题发言。 消费是经济增长的"主引擎"，也是民生幸福的"晴雨表"。"十五五"规划建议强调"坚持扩大内需这个战 略基点，坚持惠民生和促消费、投资于物和投资于人紧密结合，以新需求引领新供给，以新供给创造新 需求。"中办、国办印发《提振消费专项行动方案》明确提出"针对性解决制约消费的突出矛盾问题"， 并强调"加强消费领域信用体系建设"。一系列政策突显中央以改革的理念和方式提振消费的坚定决心和 战略定力。 一、提振消费信心仍有较大空间 坚持扩大内需这个战略基点和牢牢扭住社会信用这个基础制度的枢纽作用，打造"新质消费力"。新质生 产力是由技术革命性突破、生产要素创新性配置、产业深度转型升级而催生的当代先进生产力。新质生 产力不断创造高质量的供给，也在重塑新型消费内容和消费方式，呼唤需求侧构建与之相适应的能够牵 引和创造 ...

Group 1 - The event "Digital Credit, Connecting the Future" was held in Guangzhou, promoting information sharing and experience exchange in financing credit services across Guangdong province [1] - The event featured a presentation by Tian Yuxi, Director of the National Public Credit and Geospatial Information Center, discussing the development trends in financing credit services [1] - The Guangdong Provincial Investment and Credit Center showcased the operational management of the national financing credit service platform's provincial node, highlighting the achievements in credit infrastructure construction [1] Group 2 - The provincial government has made significant progress in building the social credit system, establishing a unified public credit information platform that has aggregated 29.7 billion data entries covering over 20 million business entities [2] - The provincial node of the national financing credit service platform is operational, connecting 22 local financing credit service platforms and authorizing 3.68 million enterprises, with 1,057 financial institutions providing 2,293 financial products [2] - The "Xin Yi Dai" model has facilitated a cumulative financing amount of 1.9 trillion yuan, enhancing service efficiency through big data risk control and online operations [2] Group 3 - The provincial development and reform commission emphasizes the need for steady progress and innovation in credit system construction, aiming to optimize the business environment and stimulate the vitality of business entities [3]

Core Insights - A financial revolution is taking place in Gansu, transforming the financing ecosystem for Western enterprises through the People's Bank of China's unified movable property financing registration and public announcement system [1] Group 1: Movable Asset Monetization - Enterprises in Gansu are leveraging the unified registration system to convert various movable assets into financial resources, such as livestock, production equipment, and water rights [2] - A livestock company secured a loan of 3 million yuan by registering 600 cattle as collateral, demonstrating the system's effectiveness in facilitating financing [2] - The system enhances transaction efficiency and transparency, addressing issues like rights confirmation and priority ranking in collateral transactions [2][3] Group 2: Systemic Breakthroughs - The unified registration system addresses the long-standing challenge of insufficient collateral for small and micro enterprises, providing them with a "financial passport" [3] - Various banks in Gansu are adopting innovative financing models, such as using inventory and receivables as collateral, to support local businesses [3][4] - The system has enabled the financing of 1.7 billion yuan in the potato industry and 1.46 billion yuan for renewable energy projects, showcasing its broad applicability [4] Group 3: Innovative Practices - The application of the unified registration system reflects regional characteristics and industry-specific needs, with successful cases emerging in agriculture and green finance [4] - Innovative financing solutions, such as using electricity receivables as collateral, have led to significant loans for solar projects, indicating a trend towards green financing [4] Group 4: Gansu's Pathway - The People's Bank of China is actively promoting the use of the unified registration system through a comprehensive approach involving research, guidance, and publicity [6] - As of August 2025, nearly 100,000 guarantee registrations have been processed, with over 92% from small and micro enterprises, highlighting the system's impact [6] Group 5: Long-term Implications - The unified registration system is reshaping the financial landscape in Gansu by creating new financing pathways for small and micro enterprises [7] - It encourages banks to serve lighter asset businesses, promoting inclusive financial services [7] - The initiative is fostering a transparent credit environment, essential for building a robust regional financial ecosystem [7]

Core Viewpoint - The financing challenges faced by small and micro enterprises in China are a long-standing concern, but recent government policies have increased support, leading to significant growth in inclusive finance for these businesses [1][3]. Group 1: Financing Growth and Structure - As of February 2025, the balance of inclusive loans for small and micro enterprises reached 33.9 trillion yuan, with a year-on-year growth rate of 12.6%, surpassing the overall loan growth by 5.7 percentage points [3]. - The balance of credit loans reached 9.4 trillion yuan, with a year-on-year growth of 25.8%, and credit loans now account for 27.6% of inclusive loans, an increase of 2.9 percentage points from the previous year [3]. Group 2: Challenges in Credit Assessment - Small and micro enterprises often lack standardized financial reporting, making it difficult to collect and integrate data from various operational aspects [4]. - Traditional credit assessment models rely heavily on strong collateral and static financial data, which do not adequately reflect the dynamic and flexible nature of small and micro enterprises [6]. Group 3: Innovations in Credit Evaluation - Recent efforts by relevant departments and banks have focused on improving credit assessment for small and micro enterprises by increasing the dimensions of evaluation, addressing the information asymmetry between banks and enterprises [8]. - The use of big data, machine learning, and artificial intelligence has enabled financial institutions to create more comprehensive and accurate credit profiles for small and micro enterprises, enhancing the efficiency of the credit approval process [8]. Group 4: Successful Initiatives - The "Silver Tax Interaction" initiative allows small and micro enterprises with good tax credit ratings to convert their tax credit into financing credit, improving their access to loans and reducing banks' risk management costs [10]. - The "Credit Easy Loan" platform integrates various credit information sources, facilitating easier access for financial institutions to obtain multi-dimensional credit data, thus supporting the development of pure credit and rapid approval financing products [10]. Group 5: Future Outlook - The deep application of digital credit technologies is reshaping the financing ecosystem for small and micro enterprises, leading to improved approval efficiency and reduced risk management costs for financial institutions [10]. - As technology advances and data value is fully realized, the credit profiles of small and micro enterprises will become clearer, injecting vitality into their innovative aspirations and laying a solid foundation for high-quality economic development in China [10].

Core Insights - The 2025 Lujiazui Forum has commenced with the theme of "Financial Opening and Cooperation in the Global Economic Landscape," showcasing advancements in AI and digital credit technologies in reshaping the financial ecosystem [1] - Ping An Group's financial subsidiary, OneConnect, emphasizes a customer service philosophy of "saving worry, time, and money," aligning with market trends to support innovation through technology-driven solutions [1] Group 1: Small and Micro Enterprises Financing - A case study highlights a ceramic small business owner in Jiangxi facing financing challenges due to traditional credit models that require collateral, leading to delays in funding [2] - A local city commercial bank introduced a specialized loan product for ceramic small businesses, utilizing transaction data and tax records to create "digital credit," significantly reducing the approval process to 24 hours [2][3] - The collaboration between OneConnect and the Jiangxi city commercial bank has resulted in a "Inclusive Financing Service Platform," improving loan approval efficiency by 12% and achieving a monthly loan amount of 300 million yuan for ceramic small enterprises by mid-2025 [3] Group 2: Digital Transformation in Financial Services - OneConnect's digital solutions have enhanced the efficiency of loan processes, with a private bank reporting over a 40% increase in loan processing efficiency after implementing a comprehensive digital credit solution [3] - The introduction of the "Jin Jie Ying AI Mortgage Solution" has automated 92% of mortgage processes, increasing productivity for customer managers by six times and providing a more efficient financing channel for small businesses and farmers [4] - The integration of AI technology across various financial services has led to significant operational improvements, such as a 25% increase in claims processing efficiency for an insurance company and a 50% reduction in policy issuance time for life insurance [5][6] Group 3: Ecosystem Development and Impact - OneConnect's services have reached over 2 million small and medium-sized enterprises, contributing to an inclusive loan balance of 32.93 trillion yuan, and promoting a "data credit" model in rural industries [7] - The company collaborates with government and regulatory bodies to enhance financial technology infrastructure, achieving a 40% increase in loan efficiency and a 50% improvement in AI risk control capabilities [7] - The overarching goal is to embed technology into the financial ecosystem, facilitating a symbiotic relationship between finance and industry, thereby contributing to a "Chinese paradigm" in global inclusive finance development [8]