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Article selection staff: Liu Jia   |   Release date:2024/6/4 17:19:05   |   Number of views: 1020

Recently，The State Administration of Financial Supervision and Administration issued the "Guiding Opinions on the "Five Major Articles" for the Banking and Insurance Industry to Do a Good Job in Finance" (hereinafter referred to as the "Guiding Opinions")。"Guiding Opinions" proposed，Next 5 years，Multi-level banking and insurance industry、Wide coverage、Diversification、The sustainable "Five Big Articles" service system is basically formed，Relevant working mechanisms are more perfect、More products，Service availability、Coverage、Satisfaction greatly improved。

Inclusive finance promotes the development of the real economy、Promoting common prosperity is of great significance。Experts say，"Guiding Opinions" focuses on the pain points and difficulties of inclusive finance，Supplied from inclusive credit、Products and services provide direction for commercial banks to develop inclusive credit，Help guide inclusive resources to focus on key areas，Promote the improvement of quality and efficiency of my country’s inclusive financial service system。

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Since the Third Plenary Session of the 18th CPC Central Committee in 2013 officially proposed “developing inclusive finance”，The development of inclusive finance in my country has entered a new stage，Wide coverage、A multi-level inclusive financial service system is gradually established。

Relevant person in charge of the Inclusive Finance Department of the State Administration of Financial Supervision said，In terms of optimizing the inclusive financial service system，Must improve multiple levels、Wide coverage、Differentiated inclusive financial institution system，Establish a clear division of labor、Each has its own characteristics、A system of inclusive financial institutions with orderly competition。As ​​of now，100% full coverage of county banking institutions across the country，The coverage rate of rural banking financial institutions is about 98%，An increase of about 2 percentage points compared with the end of 2017，Bank insurance services basically cover all administrative villages。

In recent years，The People’s Bank of China also actively plays its role in optimizing the monetary policy structure，Guiding more credit resources to invest in inclusive finance，Promote customer groups in different fields to fully enjoy inclusive financial services。"China's Monetary Policy Implementation Report for the First Quarter of 2024" shows，Maintain strong support for inclusive finance。The People’s Bank of China actively uses refinancing to support agriculture and small businesses、Rediscount，Guide local corporate financial institutions to expand their agricultural-related services、Credit extension to small micro and private enterprises。

Currently，Commercial banks strengthen inclusive financial services，Dafabet reviewsInclusive loans have grown significantly。Data display，End of the first quarter of 2024，Inclusive small and micro loan balance 33.41 trillion yuan，Balance increased by 20 year-on-year.3%，Increase by 2 in the first quarter.38 trillion yuan;Farmer production and operation loan balance 9.95 trillion yuan，Balance increased by 17% year-on-year.1%;National loan balance for people lifted out of poverty 1.2 trillion yuan，11% year-on-year increase。

Inclusive finance is one of the “five major articles” proposed by the Central Financial Work Conference，Commercial banks under the guidance of the inclusive financial service system，Accelerate the gathering of superior credit resources to make up for the weak links of the real economy。The "Guiding Opinions" deeply grasp the political nature of financial work、People’s nature，Clear the main goal of inclusive finance—basically build a high-quality inclusive financial system，Helping common prosperity to a new level。

Wang Wenyu, a researcher at the China Inclusive Finance Research Institute at Renmin University of China said，With the development of inclusive finance，my country’s financial market as a whole is more inclusive and mature，The value of its contribution to economic and social development is also increasing。The development of inclusive finance has changed the supply pattern of the financial market，More and more financial institutions are competing in the field of inclusive finance，The financial exclusion of small, medium and disadvantaged groups has been greatly alleviated，Not only do they have access to financial services，It can also continuously improve the quality and efficiency of obtaining financial services。Service objects of inclusive finance，It is also the main starting point to achieve rural revitalization and common prosperity，Credit、Insurance、Popularization of inclusive financial services such as financial management and financial knowledge，Production for small, medium and weak groups、Life and development provide more choices and opportunities。

　　Promote financial product innovation

"Guiding Opinions" proposed，Banks and insurance institutions must treat enterprises of all types of ownership fairly，Continue to increase support for private enterprises、Financial support for small and micro enterprises and individual industrial and commercial households。Encourage the development of products and services that meet the needs of small and micro enterprises and individual industrial and commercial households，Increase the first mortgage、Loan renewal、Credit loan、Medium and long-term loan placement。

Expert opinion，Inclusive finance customer base is diverse and broad、Diverse needs。We must continue to promote various financial institutions to implement the inclusive finance strategy，Find out the integration point with your own functional positioning，Meet the diversification of the real economy and the people、Demand for inclusive financial services。

Relevant person in charge of the State Administration of Financial Supervision said，Inclusive credit should focus on connotative development，Support small and micro enterprises in their specialized development and technological innovation、Food security and rural industries、Key areas such as people lifted out of Dafabet reviewspoverty and specific groups。

It’s worth noting，The "Notice on Doing a Good Job in Inclusive Credit in 2024" recently issued by the State Administration of Financial Supervision makes it clear，Banking financial institutions must enhance their service capabilities for small and micro enterprises，Increase the first mortgage、Loan renewal，Expand service coverage。Strengthening small and micro enterprises、Exclusive product development related to agriculture，Create a distinctive brand，Improve service professionalism。Experts say，The financial regulatory authorities have clarified that the supply of inclusive credit must be guaranteed in 2024、Steady price、Excellent structure，This will help better satisfy small and micro enterprises、Diversified financial needs of agricultural business entities and key assistance groups。Therefore，Commercial banks must continue to innovate inclusive financial products，Expand credit service coverage。

Reporter learned，In Shandong，Agricultural Bank of China Liaocheng Branch cooperates with the Finance Department of Liaocheng Economic and Technological Development Zone to promote Shuicheng government procurement easy loan business，Accelerate the resolution of financing difficulties for small, medium and micro enterprises、The problem of expensive financing。Shuicheng Government Procurement Yidai Financing is an innovation in inclusive finance business，Financing companies will enjoy unsecured guarantee、Discounts with low loan interest rates。“We obtained an inclusive loan of 10 million yuan from the bank through Shuicheng Zhengcai Yidai，Provide strong guarantee for urban and rural sanitation projects。" said Hou Zhaoshuai, director of the investment and financing department of Liaocheng Xingye Holding Group Co., Ltd.。

Ye Yindan, a researcher at the Bank of China Research Institute, said，Inclusive finance takes into account sustainability，Commercial banks should strive to “lend all the loans they need”，Let more operating entities meet financing needs。Large banks should play a major role in serving the real economy，Aiming at technological innovation、Specialized Special New、Small, medium and micro enterprises in manufacturing and other key areas，Tilt financial resources;Relying on the scale of funds、Existing customer group、Comprehensive services and other advantages，Continuous innovation of inclusive financial products，Meet inclusive financial customers’ short supply of credit funds、small、frequency、Urgent” demand，In particular, strengthen support for the sustainable development of small and micro business entities，Increase the number of first-time mortgage loans、Loan renewal、Credit loan、Issuance of medium and long-term loans。Small and medium-sized banks should carry out characteristic operations based on the local area，Improving the professional inclusive financial operating mechanism，By working with large banks or third-party companies，Improve business digital management capabilities，Improve service methods and efficiency。

　　Effectively promote digital inclusiveness

Digital operation is an effective way for commercial banks to improve inclusive financial services。"Guiding Opinions" proposed，Actively guide banking and insurance dafabet live casinoinstitutions to carry out digital transformation，Improve digital business service capabilities，Strengthen business management、Improve service quality、Reduce service costs。

Digital inclusion has the dual attributes of finance and technology。Said Chen Liang, senior analyst at Tianyancha Data Research Institute，Digital finance empowers inclusive finance，It has accelerated the transformation of commercial banking service models，It also helps improve the efficiency of inclusive financial services。Commercial banks must accelerate digital transformation，Make full use of big data、Artificial intelligence and other technologies effectively identify user property clues、Loan records, etc.，Thus reducing the potential risks of credit extension，Increase support for weak links of small and micro enterprises。

Industry insiders said，High costs in inclusive finance、High risk、The phenomenon of “two highs and one low” of low returns，This is also a problem that the banking industry needs to solve urgently。Ye Yindan said，The development of inclusive financial business still faces difficulties in obtaining information、High service cost、Problems such as diseconomies of scale。It is difficult to match the traditional bank risk control model with the requirements of inclusive finance，Many banks still give priority to mortgage loans，Market potential for small and medium-sized enterprises、Technological Innovation、Intellectual Property、Insufficient assessment of “soft information” such as corporate governance。Therefore，Commercial banks should actively connect with various government public data platforms，Breaking data silos，Strengthen information credit sharing，Better understanding of Puhui customers，Especially the credit status of first-time loan customers，Improving the availability of inclusive financial services。

In Nanning City, Guangxi，Local banking institutions and tax authorities deepen direct data connection，Actively play the role of “bank-tax interaction”，Introducing customization、Personalized inclusive financial product initiatives，Accurately meet the financing needs of small, medium and micro enterprises，Convert corporate tax credits into “real money”，Promote small, medium and micro enterprises to achieve rapid financing。“Our company obtained a loan of 2 million yuan from Guilin Bank through ‘Bank-Tax Interaction’ by relying on tax credit，Effectively withdrawn funds are used to develop the market，Enterprise development is more confident。" said Liang Qi, financial director of Nanning Baolaixing Automobile Sales and Service Co., Ltd., Guangxi。

Ye Yindan said，Due to various types of credit data being scattered，Bank accurate、Comprehensive、It is still difficult to obtain data in a timely manner，Restricts the development of digital inclusiveness to a certain extent。Commercial banks need to analyze massive amounts of data，Includes personal and corporate transaction records、Social behavior and other information，Establish an accurate credit portrait，Thus reducing reliance on traditional mortgage guarantees，Improving credit availability for long-tail customers。Next，Banking institutions can cooperate with other financial institutions、Electronic Dafabet reviewspayment company、Cooperation with consumer finance companies and others，Discover more first-time mortgage households from the market。Innovative financial product design combined with digital technology，Introducing personalized products for different groups。For example，Introducing mortgage-free credit loan products for small and micro enterprises or farmers who lack credit history;Introducing customized services for special groups such as the elderly;Also use big data to analyze customer needs，Introducing financial products that better meet market demand，Promote high-quality development of inclusive finance。

Source: Economic Daily (our reporter Wang Baohui)