PSBC(601658) 证券时报网·2024-11-23 04:17Core Viewpoint - The development of inclusive finance in China has made significant progress, but issues such as supply imbalance and insufficient coverage remain prominent, necessitating the acceleration of digital financial services to reduce risks and costs [1][2][3] Group 1: Progress in Inclusive Finance - The concept of inclusive finance has gained deep recognition, with mechanisms becoming increasingly sound and supply more abundant [1] - The coverage of financial services has continuously expanded, achieving a situation where financial institutions are present in every town and village, ensuring that every household has access to accounts [1] - The accessibility of services has improved significantly, alleviating the financing difficulties faced by small and micro enterprises [1] - Public satisfaction has increased, and financing costs have continued to decrease [1] Group 2: Challenges in Inclusive Finance - Despite improvements, issues such as supply imbalance and varying perceptions among market participants persist, particularly regarding the financing difficulties faced by small and micro enterprises [1][2] - Quality financial supply is adequate for high-quality small and micro enterprises, but there are challenges in reaching long-tail customers, including small businesses and individual entrepreneurs, due to information asymmetry [2] - Start-up and growth-stage technology enterprises face challenges such as high risk and lack of sufficient collateral, which do not align with traditional risk preferences of commercial banks [2] Group 3: Recommendations for Improvement - To enhance inclusive finance, it is essential to recognize its political and social significance, expanding coverage to include various entities such as individual businesses, new agricultural operators, private enterprises, and technology firms [2] - Accelerating digital financial services is crucial to lower risks and costs, utilizing big data and modern technologies to improve risk identification and address information asymmetry [3] - Precision innovation is needed to continuously enhance the supply capacity of inclusive finance, guiding various financial institutions to establish a multi-layered and comprehensive financial supply system [3] - Coordinated efforts are required to optimize the development environment for inclusive finance, including expanding data sharing, improving credit systems, and enhancing information quality [3]