Jin Guanping
The 24th meeting of the Central Comprehensive Deepening Reform Committee held recently proposed to promote the high-quality development of inclusive finance, improve a modern financial system with high adaptability, competitiveness and inclusiveness, and better meet the needs of the people and the diversity of the real economy. To meet the changing financial needs, and effectively solve the problem of difficult and expensive loans.
my country has always attached great importance to the development of inclusive finance, and now it has basically established an inclusive financial service system that is compatible with building a moderately prosperous society in an all-round way, forming an inclusive finance development model with Chinese characteristics.
According to the relevant reports of the World Bank and the International Monetary Fund, China's financial inclusion services have maintained an international leading level.
Basic financial services have basically achieved full coverage of urban and rural areas; the financial services for farmers and small and micro enterprises have improved significantly; the efficiency and convenience of financial services have been greatly improved, the protection of financial consumer rights and interests has been strengthened, the satisfaction of financial services has been significantly improved, and the high-quality development of inclusive finance has achieved results. For all to see.
Standing at the historical intersection of the "two centenary goals", the high-quality development of inclusive finance will usher in more opportunities and face more challenges.
We must always adhere to the people-centered development philosophy, thoroughly implement new development concepts, adhere to problem orientation, crack development bottlenecks, and create a new development pattern for inclusive finance.
In order to achieve high-quality development of inclusive finance, the key is to improve the system and mechanism of "dare to do, willing to do, able to do, and able to do it".
This requires relevant departments to speed up the pace of reform, deepen the structural reform of the financial supply side, stimulate the enthusiasm, initiative and creativity of relevant market players in inclusive finance, improve the multi-level inclusive finance organizational system, and build a competitive and orderly inclusive finance supply pattern. , and accelerate the formation of a long-term mechanism of affordable and commercially sustainable financial inclusion.
At the same time, it is necessary to strengthen policy guidance and allocate more financial resources to key areas and weak links.
The small and micro market has a wide range of subjects and is the main representative of economic vitality and the main force driving employment.
At present, my country's economy is facing downward pressure, and small and micro enterprises are facing difficulties in operation. Continuing to increase financial support for small and micro enterprises is conducive to stabilizing enterprises and ensuring employment, and is conducive to stabilizing the macroeconomic market.
Therefore, it is urgent to make up for the shortcomings of financial services in counties, small and micro enterprises, and new agricultural business entities, so as to effectively solve the problem of difficult and expensive loans.
In addition, efforts should be made to improve the accuracy and effectiveness of policies to promote the integrated development of inclusive finance, green finance, and science and technology finance.
Inclusive finance has many service targets, which requires us to establish a systematic concept and promote the integrated development of inclusive finance and green finance, science and technology finance, and supply chain finance.
Through the integrated development and mutual promotion of these fields, the development efficiency will be continuously improved.
We must attach great importance to preventing financial risks, firmly establish a bottom-line thinking, grasp the dynamic balance between promoting the development of inclusive finance and preventing financial risks, effectively curb risk chaos, and resolutely guard the bottom line of no systemic financial risks.
The deliberation and approval of the "Implementation Opinions on Promoting the High-quality Development of Inclusive Finance" will help to promote new breakthroughs in the degree of satisfaction of the demand for inclusive finance, the adaptability of financial supply, and the security of the external environment during the "14th Five-Year Plan" period. Promote the high-quality development of inclusive finance and contribute more financial strength to the realization of the second centenary goal.