What is the significance of developing inclusive finance?

It has been seven years since the global financial crisis, and the American economy has gradually improved. The era of ultra-loose money may also come to a crossroads. However, with the exception of the United States, global economic development is still weak, central banks in many countries, including China, continue to be loose, and European economies are also thinking about various countermeasures. IMF Managing Director Lagarde described the current situation that the global economy has fallen into low growth as a "new mediocre era". If we can find a key to increase employment, solve poverty and get out of the financial crisis, it must be the key to promote the healthy development of small and medium-sized enterprises. "

Not only does China * * regard "national entrepreneurship and innovation" as the driving force of China's economic growth in the new era, but the important carrier of "innovation" is small and medium-sized enterprises. Moreover, at the Fifth Plenary Session of the 18th CPC Central Committee, the Central Committee's Proposal on Formulating the Thirteenth Five-Year Plan for National Economic and Social Development was reviewed and approved, which clearly supported the "standardized development of Internet finance".

The policy layer is more and more friendly to the Internet finance industry, and regards Internet finance as a part closely related to inclusive finance. Decheng Wealth Platform just complements the shortcomings of traditional financial institutions, and its main service targets are small business owners and individual industrial and commercial households, thus achieving a real inclusive finance.

Decheng Wealth, a wealth management information consulting service platform, actively abides by and implements the Guiding Opinions on Promoting the Healthy Development of Internet Finance jointly issued by the central bank and other ten ministries and commissions, strictly adheres to the regulatory red line in its operation, and clarifies the intermediary nature and positioning of its own platform. In operation, Decheng Fortune adheres to the basic principle of safeguarding national interests, aims at pursuing the wealth appreciation of society and customers, takes strict control of capital risks as its own responsibility, implements institutionalized management, professional operation and humanized service, and adheres to the sustainable management principle of preventing risks, resolving risks and paying attention to morality. It has won recognition and praise from customers, industry peers and public media, and contributed its own strength to China's wealth management industry.

Up to now, Decheng Fortune has formed an operation network with Changzhou as the core, and opened branches in most cities across the country, providing comprehensive wealth management information consulting and caring services for more than 654.38 million customers.

Looking to the future, faced with many competitors in the Internet finance industry with a trillion-dollar market scale, Decheng Fortune will encounter no small challenges in business development and internal management. Decheng Fortune will, as always, remain cautiously optimistic about the development prospects of its own enterprises and the Internet finance industry. Even if the competitive environment is full of challenges, Decheng Fortune will, as always, strictly demand the enterprise's own operation with high standards and hard power, reshape the new standards of the industry and purify the new ecology of the industry.

What is the reason and purpose of inclusive finance?

This concept comes from English: inclusive financial system. This is the first word widely used by the United Nations system in promoting the Year of Microcredit in 2005. Its basic meaning is: a financial system that can effectively and comprehensively serve all social classes and groups. The current financial system does not provide effective services for all people in society. The United Nations hopes to promote the establishment of such a financial system by developing microfinance.

Inclusive financial system should include the following levels of connotation:

1, the first is an idea: Professor Junas, winner of the 2006 Nobel Peace Prize and president of Grameen Bank, said: Credit right is a human right. In other words, everyone should have the right to obtain financial services. Only when everyone has the opportunity of financial services can everyone have the opportunity to participate in economic development, achieve social prosperity and build a harmonious society and a harmonious world.

2. In order to make everyone get financial services, it is necessary to carry out financial system innovation, including system innovation, system innovation and product innovation.

3. As large enterprises and rich people have already had opportunities for financial services, the main task of establishing an inclusive financial system is to provide opportunities for traditional financial institutions to serve low-end customers and even the poor, which is microfinance or microfinance-financial services for the poor, low-income people and micro-enterprises. To this end, we must first provide appropriate space in terms of laws and regulatory policies. Secondly, we should allow the development of new microfinance institutions and encourage traditional financial institutions to carry out microfinance business.

China Microfinance Development Network is the first country to introduce this concept. In order to publicize the International Year of Microcredit in 2005, they decided to use this concept for publicity. Bai Chengyu proposed to use "inclusive financial system" as the Chinese translation of inclusive financial system. Some people also put forward the use of terms such as "tolerance", but after consideration, they feel that other words cannot express the universality of the parties. Finally, the concept of "inclusive" is used, which is to let everyone enjoy financial services equally.

In June 2004, 1 1, the homepage of China Microfinance Development Promotion Network was opened, and the title of the homepage clearly stated the purpose of the network: "Promoting the inclusive financial system and building a well-off society in an all-round way". At the inaugural meeting of the network held in1October 9 165438, we put forward this concept again and wrote it into the proposal of the network.

Jiao Jinpu, deputy director of the Research Bureau of the People's Bank of China, officially used this concept at the Asian Microfinance Forum held in Beijing in March 2006.

What can be done to develop inclusive finance?

This can depend on whether you are a personal investment and financial management, or whether the enterprise needs financial operation. The direction is definitely different. If you are interested in sex appeal, you can talk to me privately.

Why should the "Belt and Road" construction emphasize inclusive finance?

Reason:

Inclusive finance has rich connections with the Belt and Road construction.

First of all, both of them are inclusive, covering three departments: * * *, enterprises and families. The starting point and the end result are to improve people's welfare. Secondly, both of them insist on market-oriented operation, which is not a simple "blood transfusion" or a short-term behavior of "instant success", but through the development of financial services and real economy, the competitiveness of regions, enterprises and families is enhanced, so that they can have long-term "hematopoietic" ability. Finally, both of them adhere to the principle of mutual benefit and win-win, and do not sacrifice the interests of some groups in exchange for the interests of other groups, but achieve sustainable development by promoting the rational allocation of resources.

To a certain extent, the development of inclusive finance and the "Belt and Road" construction complement each other and promote each other. On the one hand, the development of inclusive finance has improved the financial service network, filled some gaps in the financial needs of the Belt and Road, and allowed those small and medium-sized enterprises and low-income people to get out of the "blind zone" of financial services as much as possible; On the other hand, as a kind of development finance, inclusive finance needs to practice its own development in the market. The Belt and Road Initiative can provide such a stage for the development of China and even inclusive finance around the world.

It is necessary and feasible to develop inclusive finance in the "Belt and Road" construction. It is necessary to echo the characteristics and needs of the "Belt and Road" construction and truly tap and develop the advantages and potential creativity of inclusive finance in the traditional sense.

First, to develop inclusive finance, efforts should be made to help small and medium-sized enterprises grow. As far as China is concerned, a large number of small and medium-sized enterprises participate in the construction of the Belt and Road, and some small and medium-sized enterprises with local characteristics even play the role of "pathfinder" in the construction of the Belt and Road, and their role in economic development and improving people's livelihood cannot be underestimated. To develop inclusive finance, it is necessary to solve the worries of financial services for those small and medium-sized enterprises with development potential, so as to make them play a greater role. What needs to be emphasized is that we must formulate the corresponding inclusive finance project according to the different situations faced by small and medium-sized enterprises, that is, "the right medicine".

Second, develop inclusive finance and strive to improve financial services for low-income groups. There are a large number of low-income groups along the "Belt and Road". They don't have perfect financial services, and the chances of making a breakthrough in production and life are very low. In essence, they are objects outside the threshold of the "Belt and Road" structure. Giving these groups equal, extensive and effective access to financial services is not only an important performance for the people to fully enjoy the fruits of development, but also helps them to gradually improve their financial literacy and accumulate the ability of "self-hematopoiesis". Through financial support, help low-income groups reduce the cost of production and living, ensure and increase their income, and improve the possibility of crossing the threshold in the short term. Once this so-called "threshold" is crossed, low-income groups will be more capable of participating in the "Belt and Road" construction. It is self-evident that this group is huge and powerful.

Third, to develop inclusive finance, we should strive to promote innovation and improve trade efficiency. With the rise of Internet finance and technology and finance, inclusive finance has made new innovations and developments in many fields such as mobile payment on the basis of traditional financial formats. To build a road of innovation, the "Belt and Road" cannot be separated from the deep integration of technology and finance. Inclusive finance itself has the characteristics of universality and convenience, which coincides with the needs of innovative fields such as big data, cloud computing and smart city construction. In addition, the "Belt and Road" trade exchanges are growing rapidly, and the development of inclusive finance can promote timely follow-up in the fields of payment, settlement and credit reporting, and effectively improve trade efficiency. Therefore, looking forward to the development of inclusive finance in the "Belt and Road" construction, the author fully believes that inclusive finance will not only become more and more "grounded", but also make a difference in higher-level and more advanced fields.

How does P2P help the development of inclusive finance?

Mainly for small and medium-sized enterprises, which is of great help to them.

The purpose of developing inclusive finance is to improve the process and availability of financial services.

Inclusive finance is to let finance return to the essence of service industry, from Gaotang to the people, from the financial industry to the production and sales of enterprises, to the investment and consumption of the people.

What does inclusive finance mean?

To put it bluntly, the amount of financial management is fragmented and decentralized, but the platform must be carefully selected. In Shenzhen, which network to invest in, risk control is very important, and the choice of platform is the key.

What did the 20 17 *** work report say to inclusive finance?

Yes After the reform and opening up, China has promulgated a series of financial laws and regulations. Through a series of regulatory legislation on banks and non-banks, securities industry and insurance industry, the legal framework of financial supervision has been established and improved, and a financial system with separate operation and supervision has been established to adapt to the pattern of diversification of financial institutions and cross-competition of financial services. Through the reform of the supervision system of the central bank, the supervision systems of securities, insurance and banking have been established and improved. At the same time, in the process of reforming financial supervision methods, the financial supervision system has been further developed and improved by gradually enriching supervision means, which has played an important role in maintaining financial order, implementing national economic and financial policies and promoting national economic development.

Why does the development of inclusive finance need big data technology support?

Can't live in harmony