对于金融机构核心竞争力的变化，肖远企认为，资本实力、客户基础、风控能力、人才队伍、公司治 理、企业文化等传统要素仍然重要，但人工智能时代催生了新的核心诉求。例如，数据与算法重要性上 升，如何将"可用数据"转化为"可信数据"、识别整合有价值信息变得非常关键。数据与模型选择的差异 会导致结果天差地别，坚持"选择中性"原则就显得很有必要，是金融机构竞争力的具体体现。在保险领 域，应用人工智能科技提升精算假设的合理性与可实现性，降低假设与结果的偏离度就构成了保险机构 的核心竞争力要素。 针对金融生产最大可能性边界，肖远企表示，金融的一个重要功能就是配置资源。人工智能的发展无疑 有助于更好更有效率地配置资源，潜力可以充分挖掘，更多的资源很有可能"恰到好处"地分布在生产可 能性曲线之上，完成现有资源的最优配置。同时，人工智能作为重大科技进步，推动金融最大生产可能 性边界向外移动也是完全可以期待的。 10月18日，金融监管总局副局长肖远企在全球财富管理论坛·2025上海苏河湾大会上谈到了人工智能科 技在金融领域的应用实践与趋势性变化情况，涉及金融供给、金融集中、金融机构核心竞争力、金融生 产最大可能性边界、金融监管五个方面 ...

川观新闻记者 卢薇 7月23日，中国人民银行四川省分行发布上半年四川金融"成绩单"：全省社会融资规模上半年比年初增 加11778亿元，同比增加2150亿元。6月末，全省本外币各项贷款余额12.7万亿元，同比增长11.6%，高 于全国同期增速4.8个百分点；本外币各项存款余额14.4万亿元，同比增长10.8%，高于全国同期增速2.2 个百分点。 数据显示，四川上半年金融运行延续"总量稳、结构优"的趋势，在复杂经济环境中为经济回升和动能转 化提供了有力支撑。 从"稳增长"到"降利率"，金融供给更充沛 截至6月末，全省本外币各项贷款余额12.7万亿元，同比增长11.6%，较年初增加9062亿元。 四川大学经济学院教授、博士生导师顾婧认为，四川贷款增速在今年3月以来连续四个月保持在11.6% 的稳定区间，有力"贷"动了企业发展和居民消费，显示出政策的持续释放效应。 谁支撑起了增长的数字？ 从贷款主体看，企业贷款成为贷款增长的主力军。数据显示，企事业单位贷款较年初增加8099亿元，占 上半年全部新增贷款近九成。透过数字，不难看到企业的发展信心，这也意味着，金融的活力正加速流 向实体经济，经济回升向好的基础愈发牢固。 而 ...

Core Viewpoint - The primary focus is on boosting consumption as a key task for China's economic work, with the aim of transforming China from a "manufacturing giant" to a "consumption powerhouse" through various financial support measures [1][3]. Financial Support for Consumption - The government emphasizes enhancing financial supply capabilities and service levels to support the development of consumption, particularly in areas such as multi-tiered consumer finance supply, innovative financial product design, and digital transformation [3][4][6]. - The People's Bank of China and other departments have issued guidelines to support consumption, highlighting the need for financial backing to stimulate economic growth [7][8]. Consumption Trends and Economic Impact - As economic development progresses, consumption evolves from survival-based to improvement, development, and enjoyment stages, with GDP per capita serving as a key indicator [5][6]. - Current consumption patterns in China reflect both improvement and development characteristics, with a shift towards service consumption and digital, green, and health-oriented products gaining popularity [6][22]. Financial Product Innovation - Financial institutions are encouraged to innovate products tailored to key areas of development consumption, such as education, health management, and cultural tourism, to address challenges in consumption upgrading [9][23]. - Examples include flexible payment options for education and health services, as well as investment vehicles like REITs for cultural tourism projects [9][24]. Digital Transformation in Finance - The push for digital transformation in financial services aims to enhance accessibility and efficiency, particularly for underserved groups such as small businesses and low-income individuals [10][24]. - Technologies like big data and AI are being leveraged to improve consumer understanding and streamline financial processes, thereby reducing costs and enhancing service quality [10][24]. Regulatory Environment and Consumer Protection - The regulatory framework is being optimized to foster healthy industry development while encouraging innovation through differentiated supervision [11][25]. - Consumer rights protection is emphasized, with initiatives aimed at enhancing financial literacy and safeguarding against predatory practices [12][26].