经济观察网9月25日，北京银行（601169）党委书记、董事长霍学文在"2025中国普惠金融国际论坛"上 表示，北京银行深刻认识到普惠金融的战略价值，将普惠金融作为重点业务、特色服务，强化三个驱 动，来做好普惠金融这篇大文章。 一是技术驱动，探索普惠金融的新范式。北京银行依托数字技术，创新工具、新产品、创新方法、创新 服务，普惠型小微企业贷款余额超过2600亿元。二是特色驱动，激发普惠客群新潜能。坚定科技金 融"第一战略"，打造专精特新"一号工程"。积极培育文化新质生产力，实现"数字风控+场景融合"双轮 驱动。三是生态驱动创造金融健康的新价值。金融健康是普惠金融的高级形式，是服务从"有没 有"向"好不好"进阶和价值跃迁的有效形式。北京银行将跟中国普惠金融研究院成立一个金融健康实验 室，就是要推动金融健康为普惠金融做好服务。 ...

Core Viewpoint - Ant Group's senior vice president Jin Xiaolong emphasizes that artificial intelligence (AI) will reshape inclusive finance and promote financial health, transitioning from merely addressing coverage issues to enhancing service experience [1] Group 1: AI Capabilities Driving Financial Transformation - Jin highlights three core capabilities of AI: deep understanding and generation, complex reasoning and planning, and multimodal integration and execution, marking a significant evolution in AI's role beyond automation [2] - The People's Bank of China reports that over one-third of business entities have received support through inclusive microloans, showcasing the effectiveness of current inclusive finance initiatives [2] - Ant Group's subsidiary, MYbank, has provided comprehensive financial services to over 68 million small and micro business owners, with nearly 80% of new users in credit being first-time borrowers [2] Group 2: AI Promoting Financial Equity - MYbank is exploring the concept of an "AI credit expert" for small and micro enterprises, which combines industry knowledge and intelligent interaction to assess creditworthiness [3] - The consistency of AI credit experts with human approval processes improved from 39% to 90% within five months, demonstrating the reliability of large model decision-making [3] - In wealth management, an intelligent operational engine predicts users' funding needs, aiding investment managers in asset allocation, with AI wealth management products showing lower yield volatility compared to market averages [3] Group 3: AI Enhancing Financial Health - Ant Group's consumer finance division has introduced a "bill assistant" tool that empowers users to manage their spending limits, resulting in a 10% reduction in bill amounts but an 8% lower delinquency rate among 270 million users [5] - The "Little Red Flower" risk control system supports credit limit increases based on various professional certifications, halving the default rate for participating users [5] Group 4: Building an Intelligent Financial Ecosystem - Jin calls for collaboration among peers in technology exploration, standard setting, and governance to create an inclusive, responsible, and sustainable intelligent financial ecosystem [6] - The integration of AI with inclusive finance is shifting the focus from broad coverage to improved service quality, potentially redefining the value boundaries and pathways of inclusive financial services [6]

Core Viewpoint - The development of inclusive finance in China has transitioned from basic service provision to a key stage of high-quality development, with a focus on expanding the scope and depth of services beyond just credit to include insurance and wealth management [1][3]. Group 1: Inclusive Finance Ecosystem - The current inclusive finance loan scale has reached 36 trillion yuan, effectively alleviating financing difficulties for certain groups [3]. - There is a growing recognition that the financial needs of vulnerable populations extend beyond credit to include insurance and wealth management services [3]. - The demand for inclusive insurance and wealth management is urgent, with a call for rural residents to have easier access to investment accounts similar to urban counterparts [3]. Group 2: Product Design and Service Provision - A shift from a "product-oriented" approach to a "customer-oriented" approach is necessary to meet the needs of small and micro enterprises and vulnerable groups [4]. - Innovative insurance products, such as a one-yuan-per-day policy that covers multiple risks, have gained popularity among farmers, highlighting the importance of tailored product design [4]. - The development of customer-centric products requires enhanced service capabilities from financial institutions, which is crucial for improving the inclusive finance ecosystem [4]. Group 3: Regulatory and Policy Support - The balance between the expansion of inclusive finance and risk management is critical, with a focus on the quality of services rather than just the quantity of transactions [5]. - Financial health indicators should be used to assess whether services genuinely benefit users, considering factors like debt levels and income [5]. - Regulatory frameworks need to be dynamically adjusted to support product innovation aimed at vulnerable populations, allowing the industry to improve gradually [6]. Group 4: Promoting Consumption - Middle and low-income groups represent significant consumption potential in China, but their effective demand has not been fully realized [7]. - Consumption credit can play a role in stimulating reasonable consumption demand among these groups, especially in the context of economic downturns [7]. - Policies should address both the promotion of consumption finance and the resolution of issues related to debt defaults, creating a positive cycle of consumption, economic growth, and inclusive finance development [7].

Core Viewpoint - The report emphasizes the role of platform economy in enhancing inclusive finance, highlighting the need for a stakeholder perspective to ensure sustainable growth in the future [1][3]. Group 1: Digital Payment and Credit Accessibility - The platform economy has significantly advanced digital payment in China, with the usage rate among adults rising from 49% to 89% over the past decade [1]. - The proportion of adults obtaining credit from formal financial institutions increased from 20% to 41% in the same period, driven by technological innovations in digital risk control and alternative data applications [1]. Group 2: Employment and Economic Impact - Platforms have reshaped resource allocation efficiency by reducing transaction costs and enhancing matching efficiency, leading to the online transformation of various economic activities [2]. - The development of platforms has created new job opportunities, improved employment matching efficiency, and integrated employment resources, contributing to rural development and entrepreneurship [2]. Group 3: Financial Well-being and Consumer Focus - The report suggests that the focus should shift from mere accessibility to enhancing consumer financial well-being, particularly in the insurance and wealth management sectors [3]. - It highlights the importance of addressing issues such as data privacy and price discrimination, advocating for a shift towards "suitability" in services provided to consumers [3].

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]

Core Insights - The seminar focused on how inclusive finance can support sustainable rural development goals, specifically targeting "no poverty, no unemployment, no net carbon emissions, and financial health" [1][8] - The "Three No's and One Yes" project aims to enhance financial health in rural areas, thereby preventing poverty, promoting employment, and reducing carbon emissions [2][7] Group 1: Project Overview - The project selected Zhejiang Lishui and Sichuan Chengdu as pilot areas, integrating green low-carbon agricultural development, rural clean energy utilization, and financial product innovation [2] - The project team conducted extensive research in 9 towns and 20 villages, developing a financial health index aligned with the UN Sustainable Development Goals (SDGs) [2] Group 2: Expert Contributions - Experts emphasized the urgency of achieving "no unemployment," particularly for younger generations and returnees, advocating for a one-stop digital financial service platform [4] - Suggestions were made to establish effective project implementation mechanisms to ensure sustainability beyond the project's duration [5] Group 3: Practical Applications - The integration of financial health with ecological agriculture and low-carbon technologies was highlighted, with practical models like "photovoltaics + farmers" proposed [6] - The project aims to evolve from merely having inclusive finance to ensuring its quality, incorporating ESG principles into rural revitalization [7] Group 4: Future Outlook - The project is expected to create a replicable "Chinese solution" for global rural sustainable development, supported by policy, technology, and multi-party collaboration [8]

Core Viewpoint - The 2024 China Consumer Financial Health Report indicates an improvement in consumer financial health, with the proportion of individuals scoring above 60 increasing by 7.4 percentage points compared to 2023, despite macroeconomic challenges [1][2]. Group 1: Financial Health Index - The average financial health index rose from 55.4 in 2023 to 59.3 in 2024, with 45.6% of consumers scoring 60 or higher, marking a 7.4 percentage point increase from the previous year [2][3]. - Key dimensions showing improvement include financial resilience, future investment, and control, while daily management showed minimal improvement or slight deterioration [2]. Group 2: Savings Behavior and Financial Health - There is a strong positive correlation between good saving behavior and better financial health, with savers performing better than non-savers at similar asset levels [3]. - Keeping track of expenses significantly benefits financial health, as those who maintain records show better financial outcomes than those who do not, even at higher asset levels [3]. Group 3: Policy Recommendations - The report suggests incorporating financial health into the inclusive finance policy framework to monitor and achieve high-quality, sustainable development [4]. - It emphasizes the need for financial institutions to recognize the "win-win" effects of customer financial health and to continuously measure it for business optimization [4]. Group 4: Consumer Behavior and Economic Growth - Improved financial health is linked to increased discretionary spending, particularly on non-essential items, which can stimulate macroeconomic growth [5][6]. - The report highlights that younger generations and certain demographic groups with weaker financial health could release more discretionary spending as their financial health improves [6]. Group 5: Digital Financial Solutions - The advancement of digital technology and artificial intelligence can aid in achieving better financial health by helping consumers manage daily expenses and utilize credit resources effectively [7]. - Basic financial management tools, especially those that assist in saving and managing daily expenditures, are identified as primary needs for consumers facing economic pressure [7].