Building a High-Quality Inclusive Financial System:Goals,Practices,and Challenges
A high-quality inclusive financial system emphasizes the accessibility of financial services,requiring the financial sector to deliver efficient and convenient services to all market participants based on equal opportunities,commercial sustainability,and affordability.Such a system holds significant importance for socio-economic development,with specific and diverse goals that demand continuous innovation in financial products and services.China has established a clear policy framework for building a high-quality inclusive financial system and has achieved notable progress in the practice of inclusive finance.However,challenges remain in advancing the system's development.Future efforts should focus on enhancing policy coordination,expanding service coverage,addressing data flow bottlenecks,optimizing risk-sharing mechanisms,leveraging financial technology to drive the development of inclusive finance,and balancing the benefits and risks associated with innovation-driven development.
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