【摘要】 过去十余年，我国普惠金融发展取得了长足进步，普惠金融服务的覆盖率、可得性和满意度都有显著提升。展望未来，要做好普惠金融这篇大文章，关键要将政策引导和市场机制协调起来，以制度环境为基、模式创新为核、数字技术为翼，健全让金融机构“敢做、愿做、能做、会做”的体制机制，真正做到普惠金融的成本可负担、商业可持续和风险可控制，从而使金融资源健康、均衡、精准地配置到民生项目和长尾普惠客群，让金融“活水”进一步激发市场主体的生机和活力，推动我国经济可持续、高质量发展。更多还原

【Abstract】 In the past ten years, China’s Financial Inclusion has made great progress, and the coverage, availability and satisfaction of Financial Inclusion services have improved significantly. In the future, the key to developing Financial Inclusion is to coordinate policy guidance with market mechanism, improve the institutional foundation, take innovation as the core and digital technology as an opportunity, to make financial institutions dare, be willing and be able to carry out Financial Inclusion business.So that the cost of Financial Inclusion can be affordable, commercially sustainable and risks can be manageable, in order to make financial resources be allocated to people’s livelihood projects and long tail inclusive customers in a healthy and balanced manner,to furtherly stimulate the vitality of market players and promote the sustainable and high-quality development of our economy.更多还原