Group 1: Core Concepts of Rational Inclusive Finance - Financial accessibility, commercial sustainability, and socially acceptable risk pricing are the three core pillars of rational inclusive finance, and their dynamic balance is key to the high-quality development of consumer finance [1][2] - Financial accessibility is the premise of rational inclusivity, focusing on enabling financial resources to reach groups with genuine needs, particularly small and micro enterprises and low-income populations, through digital technology [1] - Commercial sustainability is essential for rational inclusivity, as profitability is necessary for the continuity of inclusive finance; financial institutions must leverage technological innovation to reduce costs and improve efficiency while meeting public needs [1] Group 2: Risk Pricing and Balance - Socially acceptable risk pricing is the critical link in rational inclusivity, needing to cover risk costs while aligning with public expectations and regulatory requirements; a scientific pricing mechanism should be based on precise risk assessment [2] - The balance among accessibility, sustainability, and pricing is fundamentally about the collaboration of multiple interests, ensuring that financial services are both broad and stable while fulfilling social responsibilities [2] - To resolve the pricing dilemma, financial institutions must innovate to reduce operational costs, while policy frameworks should create a collaborative mechanism that combines fiscal support with market operations [2]