2023 is a year full of hope. After three years, we have finally emerged from the haze of the epidemic, with people shifting their focus back to economy. However, economic recovery has not been as smooth as everyone expected. As an important means to boost the economy, the long-standing issues in the field of inclusive finance have sparked contemplation once again: at the "new starting point" of building an inclusive financial ecosystem, how should China’s inclusive finance development achieve "new breakthroughs" and shape a "new pattern" of inclusive finance that helps the overall economic development? Meanwhile, the financial industry, which bears the characteristics of the digital economic era, is also undergoing an unprecedented transformation. How can financial technology enable financial services to be delivered in a more flexible, efficient and faster manner, comprehensively improving the quality and efficiency of financial services, bringing users a brand-new financial service experience, and injecting vitality into the innovation and transformation of the traditional financial industry?......



Pre-session: How Does China Develop Inclusive Insurance?


  • Jinghui Xu, Former General Manager of Dajia Insurance Group, Academic Advisor of Chinese Academy of Financial Inclusion ( CAFI )

Press Conference for the Release of the Report on Financial Inclusion Development in China (2023)

(Invatation Only)

Panel Discussion 1 : Can Consumer Finance Stimulate Domestic Demand?

What should be the key areas for consumer finance in the current economic situation? What are the problems and challenges facing the consumer credit industry?



  • Qiang Qu, Professor, the School of Finance, Renmin University of China (RUC)

Themed Speech:

  • Jie Wei, Professor, Department of Innovation, Entrepreneurship and Strategy, School of Economics and Management, Tsinghua University


  • Min Ji, Director General of the Counselor Office, PBoC

  • Wei Wang, Research fellow and Director-General, Institute for Market Economy, Development Research Center of the State Council (DRC)

  • Ziwei Cao, Director and Party Secretary of Xiaomi Consumer Finance

  • Zhipeng Zou, Product General Manager, Ant Group Consumer Finance Business Group

Panel Discussion 2: Digital Platform and Gig Economy

Internet platforms provide a wide range of flexible employment options for socio-economic development. How should platforms incorporate data to enhance the financial accessibility and financial health of the large flexible employment population?


  • Yolanda Yun Zhu, Operational Lead, Sustainability and Climate Finance Advisory, Financial Institution Group-Asia Pacific, International Finance Corporation (IFC)

  • Xiangquan Zeng, Director of China Institute for Employment Research, RUC


  • Xian Zhuo, Vice Department Director at the Development Research Center of the State Council

  • Wei Chi, Assistant Dean, School of Economics and Management, Tsinghua University

  • Yun Chen, Director , Employment and Entrepreneurship Research Lab, Chinese Academy of Labour and Social Security (CALSS)

  • Zhenhua Li, Director, Ant Group Research Institute

  • Xunpei Yu, Vice President, 58 Digital Technology

Digital Finance for Rural Revitalization: the Press Release Event
Panel Discussion 3 : Applications and Challenges of Artificial Intelligence in Finance

Artificial Intelligence (AI), as an important means of digitization, provides tremendous value to financial institutions in the areas of process streamlining, cost reduction, efficiency improvement and enhanced customer engagement by changing the way information is processed and data is analyzed. What are the current new applications and developments of AI in the field of financial inclusion? What impact has it had on the development of the financial industry in particular? While utilizing AI to promote economic and social development, it also brings many problems and challenges, so how should financial institutions balance innovation and risk?


  • Yanqing Yang, Executive Head of Digital Economy Research Team in Shanghai AI Laboratory, Professor of Economics in Fudan University

Themed Speech:

  • Xiaoyan Zhang,Chair Professor of Finance and Associate Dean at PBC School of Finance, Tsinghua University


  • David He, Managing Director & Senior Partner BCG

  • Daoxu Zhou, Director, Research Center for Finance Security PBC School of Finance,Tshinghua University

  • Rui Yan, Associate Professor at Gaoling School of Artificial Intelligence, Renmin University of China

  • Xiaohang Wang, Vice President of Ant Group and Head of Financial LLM


Panel Discussion 4 : How to Improve the International Competitiveness of Fintech Companies?

How to view the internal logic of the involvement of large international technology companies (bigtech) in financial business? How to recognize and respond to the potential risks arising from this process, such as financial product and service risks and blurred liability boundaries, financial stability, consumer protection, data security, privacy protection and third-party cyber risks? What measures should regulators take?



  • Jianhua Zhang, Director, Research Center for Financial Development and Regtech, PBC School of Finance (PBCSF), Tsinghua University

Themed Speech:

  • Yiping Huang, Director of the Institute of Digital Finance, Peking University


  • Chengjun Zhou, Director of Financial Research Institute of the People’s Bank of China (PBoC)

  • Qiang Shan, Party Secretary and President of National Internet Finance Association of China (NIFA)

  • Daofu Chen, Deputy Director of the Institute of Finance of the Development Research Center of the State Council

  • Aizhou Huang, Partner, KPMG Financial Technology

  • Fangfang Jiang,IFC FIG Upstream and Advisory Asia Principal Operations Officer

Expanded Council Meeting of CAFI

(Invitation Only)

Dinner with Media

(Invitation Only)

Opening Ceremony


  • Duoguang Bei, President of Chinese Academy of Financial Inclusion at Renmin University of China (RUC)

Opening Remark:

  • Kangtao Ye, Vice President of Renmin University of China

Keynote Speech

Keynote speech

  • Guoqiang Liu, Deputy Governor of PBC



  • Xiaohui Zhang, Former Assistant Governor of the PBC


  • Xiaoqiu Wu, Director of the National Institute of Financial Studies of Renmin University of China, Dean of the China Capital Market Research Institute  

  • Yun Li, Vice President of China Construction Bank

  • Xiaolong Wang, Party Secretary and Chairman of Zhejiang Rural Commercial United Bank (online)

  • Liang Feng, President of MYbank

Tea Break
Academic Summit of Digital Economy Open Research 2022-2023 Awards
Lunch Break
Panel Discussion 5 : What are the Pain Points in Developing Inclusive Insurance?

At present, the coverage rate of inclusive insurance is still low. How to realize the sustainable development of inclusive insurance? How can fintech help?



  • Jinghui Xu, Former General Manager of Dajia Insurance Group

Themed Speech:

  • Michal Matul, Head of Digital Health, Consumer Insights and Training AXA EC


  • Li Wei, Dean of China Insurance Research Institute, RUC

  • Yi Yao, Tenured Associate Professor in Risk Management and Insurance Department at School of Economics, Peking University

  • Bin Qiu, Member of the Party Committee, Vice President, Secretary of the Board of Directors, China United Property Insurance Company Limited

  • Yue Xie, Founder and CEO, Cuppa Insurance

  • Zipeng Qi, Executive Dean of the NIID

  • Xin Dai, Chief Economist China, Swiss Re Institute

Panel Discussion 6 : How Should Rural Commercial Banks Reform?

Rural commercial banks are undergoing a series of reforms. How should different regions choose the reform model so as to better mitigate risks and serve the countryside? What are the factors to be considered when choosing reform models in different regions? Are there any good references in the international world?


  • Tongquan Sun, Researcher of Rural Development Institute, Chinese Academy of Social Sciences, Director of the Rural Finance Research Office

Themed Speech:

  • Duoguang Bei, President of CAFI


  • Changyun Jiang, Deputy Director, research fellow at the Institute of Industrial and Technological Economics, Chinese Academy of Macroeconomic Research

  • Li Zhou, Professor, the School of Agricultural Economics and Rural Development, RUC

  • Ran Huang, Secretary of the Party Committee and Chairman of Anhui Rural Credit Union

  • Bokai Chen, President of Zhejiang Rural Commercial United Bank

  • Xiaocui Liu, Deputy Editor-in-chief of China Cooperation Times

  • Representative from Zhejiang Rural Commercial United Bank

Tea Break
Panel Discussion 7 : How Can Finance Enhance the Resilience of Micro and Small Enterprises

Vibrant small and micro enterprises are an important guarantee for China's economic resilience. At the critical moment of economic recovery, how small and micro enterprises, as a barometer, can walk out of the shadows and accelerate recovery is of great concern to all parties. To help small and micro enterprises enhance resilience, how should we increase financial support? This special issue focuses on the financial resilience of small and micro enterprises and looks forward to the high-quality development of inclusive finance.


  • Xu Hu, Deputy Head of Research,Chinese Academy of Financial Inclusion

Case Sharing:

  • Rui Cheng, Vice President of Ping An Inclusive Finance Research Institute

  • Li Gong, Executive Assistant President of WeBank


  • Youping Yin, Deputy Director of Financial Consumer Protection Bureau of the People’s Bank of China (PBC)

  • Xijun Zhao, Co-president, CAFI

  •  Jie Zhang, Vice President, Fintech Department, JDT  

  • Qamar Saleem, CEO of SME Finance Forum

Panel Discussion 8 : How Can Big Banks Go Steady and Far in Their Rural Expansion?

What impacts has the expansion of big banks into rural areas had on the rural financial ecosystem? How can rural financial institutions deal with the more intense competitive environment? How can the government guide the healthy development of the rural financial ecosystem?



  • Gang Zeng, Deputy Director, National Institution for Finance & Development

Themed Speech:

  • Min Wu, General Manager of the Rural Revitalization Finance Department of China Construction Bank


  • Xiaochun Liu, Vice President of Shanghai Finance Institute (SFI), Deputy Director, China Academy of Financial Research (CAFR) at Shanghai Jiao Tong University

  • Wei Pan, Head of global product group, FICC department, CICC Managing Director

  • Guangqiang Zhuang, Chairman, Changshu Rural Commercial Bank

  • Shaofeng Ji, Chairman, Weijin Chuanglian (Jiangsu) Information Technology

Night of Inclusion Club

(Invitation Only)



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