Core Viewpoint - The implementation plan aims to enhance inclusive finance in China by optimizing the service system, strengthening credit support for small and micro enterprises, and improving the insurance framework to meet diverse financial needs of the public and the real economy [2][3]. Group 1: Inclusive Credit System - The plan encourages banks to maintain effective incremental credit supply to small and micro enterprises and to strengthen credit support for private enterprises [2][3]. - It emphasizes the importance of optimizing credit approval models, reducing reliance on collateral, and enhancing the use of data for small and micro enterprises to improve approval efficiency [3]. - The plan also highlights the need for banks to monitor the flow of loan funds to ensure they are used to support private enterprises and the real economy [3]. Group 2: Inclusive Insurance System - The plan calls for insurance companies to establish a specialized management system for inclusive insurance, including the creation of dedicated departments to oversee inclusive insurance initiatives [6]. - It aims to diversify the supply of inclusive insurance products, particularly in agriculture and for small and micro enterprises, by developing tailored insurance offerings [6]. - The plan encourages insurance companies to simplify underwriting processes and improve claims processing times to enhance service quality for underserved groups [6][7].