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1, inclusive finance, refers to the requirement of equal opportunities and the principle of sustainable business development, and provides appropriate and effective financial services to all social strata and groups with financial service needs at affordable cost.
2. Small and micro enterprises, farmers, urban low-income people, the poor, the disabled, the elderly and other special groups are the key service targets in inclusive finance.
3. Vigorously developing inclusive finance is an inevitable requirement for China to build a well-off society in an all-round way, which is conducive to promoting the sustained and balanced development of the financial industry, promoting mass entrepreneurship and innovation, boosting the transformation and upgrading of economic development mode, and enhancing social equity and social harmony. Inclusive finance attaches importance to poverty eradication and social equity, but this does not mean that inclusive finance is a public welfare activity aimed at low-income people. Pan Guangwei, secretary of the Party Committee of China Banking Association, pointed out that inclusive finance is not charity and aid, but helping the beneficiary groups to improve their hematopoietic function. We should adhere to the principle of commercial sustainability, adhere to the combination of marketization and policy support, establish and improve the incentive and restraint mechanism to ensure sustainable development.
4. inclusive finance needs to pay attention to the principle of marketization. In the process of developing inclusive finance, we should not only meet the needs of more groups, but also benefit the suppliers reasonably.
5. The term "loan company" is limited in China, and it is different from domestic commercial banks, finance companies, auto financing companies and trust companies in terms of definition and business scope.
6. A loan company refers to a banking non-deposit financial institution established in rural areas by domestic commercial banks or rural cooperative banks in accordance with relevant laws and regulations and approved by the China Banking Regulatory Commission, which provides loan services for county farmers, agriculture and rural economic development. The loan company is a limited liability company fully funded by domestic commercial banks or rural cooperative banks.