Group 1 - The core viewpoint emphasizes the acceleration of a "positive cycle" in credit improvement, financial service optimization, and social value creation, driven by the digital economy, which is creating value for deeper financial service transformation and broader economic environment optimization [1][30] Group 2 - The formula "Money + Credit = Total Expenditure" illustrates that total expenditure is a driving force of the economy, highlighting the importance of credit in value creation [4] - The construction of a credit system is crucial as the entire capital market and modern financial system are built on commercial and banking credit, which supports high-quality development in the financial industry and the broader economy [5] Group 3 - Innovations in credit collection and usage are key for market participants to break through and enhance the quality and efficiency of financial services [6] - As of September 2023, the number of individuals recorded in China's financial credit information database has increased to 1.164 billion, up from 520 million in 2006 [6] Group 4 - The consumer finance industry has significantly contributed to reducing credit "white households" and filling gaps in the credit market, with the number of customers served by consumer finance companies exceeding 300 million by the end of 2022, a year-on-year increase of 18.4% [7] - The development of big data and artificial intelligence technologies has enhanced the value of credit in risk control, operations, and services [8] Group 5 - The rise of consumer finance is closely linked to the construction of a credit society, as evidenced by the development history of China's consumer finance industry [11] - Consumer finance companies have filled market gaps by providing financial services to individuals who were previously underserved due to inadequate credit information [12] Group 6 - The consumer finance sector is now in a period of intense competition, facing challenges such as uneven supply and demand, with traditional financial institutions becoming more conservative in their lending practices [14][15] - The key to addressing these challenges lies in elevating product and operational strategies to provide customers with opportunities for "self-certification" [17] Group 7 - The "self-service" system developed by companies like Zhaolian is a representative solution that allows customers to manage their credit needs and improve their experience [19][21] - The "self-service" model is seen as a higher form of service that redefines products and services around customer needs [22] Group 8 - The concept of "financial health" has been introduced to assess how well individuals manage their finances, which aligns with the evolving needs of the Chinese market [26][27] - Consumer finance companies are expected to recalibrate their market positioning in response to regulatory changes and the evolving landscape of financial services [28] Group 9 - The value of credit will become more pronounced as financial institutions deepen their understanding of customers, leading to improved service precision and depth [29] - The mutual commitment between financial institutions and customers to uphold credit expectations fosters a stronger relationship, particularly benefiting new citizens and those contributing to rural revitalization [30]

2025年5月14日，由上海仁达普惠金融发展研究基金会主办的 "普惠金融创新支持中国乡村可持续发 展"研讨会暨 "三无一有"项目一周年总结会在上海举行。本次会议以"新模式、新技术、新方法、新思 路"为核心，聚焦普惠金融如何助力乡村实现"无返贫、无失业、无净碳排放、有金融健康"的可持续发 展目标，来自政府、智库、金融机构及学术界的专家代表齐聚一堂，共商乡村振兴可持续发展新路径。 项目启航：从理念到实践的创新探索 世界资源研究所（WRI）可持续金融总监李晓真在开幕致辞中指出，乡村振兴是建设美丽中国、实现共 同富裕的重要组成部分，普惠金融是连接城乡、促进绿色低碳转型的重要赋能工具。基于国家普惠金融 改革试验区的实践，项目选取了浙江丽水和四川成都两个试点，融合绿色低碳农业发展、农村清洁能源 利用、金融产品创新的多为并进，取得了阶段性成果。她提出，期待项目为绿色普惠金融支持乡村可持 续发展探索出一条可复制、可推广的路径，不仅对我国做好金融"五篇大文章"助力乡村振兴提供示范样 本和政策参考，也可以复制推广到其他发展中国家，为全球可持续发展目标实现贡献中国方案和中国智 慧。 项目负责人韩飞博士在项目汇报中详细阐释了"三无一 ...