(Invitation Only)

During economic downturns, households face mounting financial pressure, yet such challenges also create critical opportunities for innovation in financial services. Amid mounting pressures from rising non-performing loan (NPL) ratios, growing post-lending management needs, and escalating debt collection complexities, the financial sector is accelerating its pivot from reactive remediation to proactive resilience-building.

This panel will focus on innovative practices in household financial management: How can an improved credit repair system help households regain access to financial services? How can more flexible financial products be developed to meet the diverse needs of individuals with unstable incomes? How can wealth management institutions offer personalized financial planning for households across different income levels while managing risk? And how can policies and markets energize to build a more inclusive and resilient financial ecosystem for households?

Moderator:

• Xu Hu

Head of Research at Chinese Academy of Financial Inclusion (CAFI)

Keynote Speech: “Five-Sphere” Credit Information System of Digitalized Rural Governance

• Jun Wang

Deputy Secretary of the CPC Hechi Municipal Committee, Mayor of Hechi

Panelists:

•  Zhenhua Li

Executive Director of Ant Group Research Institute

• Lei Sun

Deputy General Manager, Mashang Consumer Finance Co., Ltd. (MSCF)

• Youping Yin

 Deputy Director-General of the Financial Inclusion Department, NFRA

• Ziqiang Zheng

Founder & CEO, Bishui Asset

• Hong Zhu

Head of Strategy and Head of Digital & Analytics, CICC Wealth Management

AI is rapidly reshaping the global economy, social structures, and ways of living. Against this backdrop, what is the current state of AI adoption in the banking sector, and what new opportunities are emerging? Can open-source models like DeepSeek help bridge the digital divide between large and small banks? What strategies can small and medium-sized banks adopt to integrate AI? What are the key challenges and potential risks in the business model restructuring of small and medium-sized banks?

Moderator:

• Yanqing Yang

Chief Strategy Officer of Shanghai Academy of AI for Science, Professor of Economics at Fudan University

Panelists:

• Fangfang Jiang

Asia Lead for Digital Financial Service of International Finance Corporation (IFC)

• Xiaolong Ji

Party Secretary and Chairman of MYBank

• Cheng Shi

General Manager of the Inclusive Finance Department and Technology Finance Department at Bank of Jiangsu

• Jianlin Wang

General Manager of the Data BU of Financial Solutions at Digital China Information

• Wei Xu

Deputy General Manager of Corporate Digital Marketing Department at WeBank

• Representative

Chanjet Information Technology Co., Ltd.

Tech startups often face financing difficulties due to the high uncertainty of their technologies and business models, limited collateral, and long return cycles. Capital markets play a pivotal role in addressing these challenges. Faced with these financing difficulties, how can financial institutions such as venture capital firms, private equity funds, commercial banks, fund managers, and securities companies step up support while balancing risk and return? What international innovative practices offer valuable lessons? And how can regulators strike a balance between innovation and potential risks to advance a multilevel financing ecosystem?

Moderator:

• Qiang Qu

Director of China Financial Policy Research Center, RUC, PhD of grade 1993

Panelists:

• Jianjun Liu

Director of the Institute of Equity and Venture Capital, Hunan University

• Huimin Wu

Executive Dean of CICC Global Institute

• Jun Zhang

Chief Economist & Head of Research of China Galaxy Securities

• Xiaoning Wang

General Manager of the Technology Finance Department at Bank of Beijing

• Yuxiang Kong

Costone Capital

• Representative

Eye Valley of Wenzhou Sci-tech Innovation Park

How is the platform economy reshaping employment structures? What fundamental changes does the digital service model bring to consumer behavior? Does the mechanism through which the platform economy functions vary across different stages of economic development? This forum will conduct a multidimensional examination of the socioeconomic impacts of the platform economy. We will explore its mechanisms in stabilizing employment and stimulating consumption, while addressing how to balance efficiency with equity, and innovation with regulation during development. The discussions aim to provide policy insights and practical references for the sustainable development of the platform economy.

Moderator:

• Xijun Zhao

Professor of School of Finance at RUC, Co-President of CAFI, PhD of grade 1993

Panelists:

• Ziwei Cao

President of Xiaomi Consumer Finance

• Rong Mo

Vice President of Chinese Academy of Labour and Social Security

• Xiaochun Liu

Vice President of China Academy of Financial Research (CAFR), Shanghai Jiao Tong University

• Representative

Ant Consumer Finance

• Representative 

Meituan/ Amap (Gaode)

Moderator:

• Zhe Wan

Professor at Beijing Normal University and Full Professor-level Research Fellow at the Belt and Road Institute (Beijing Normal University)

Remarks:

• Jianming Zhang

Former Executive Deputy Secretary of the CPC Committee of RUC and Executive Vice President of the Alumni Association of RUC

Themed Discussion:

Guests:

• Yuanzheng Cao

Chairman of BOCI Research, PhD of grade 1983

• Huai Chen

Professor at the Department of Construction Economics, University of Chinese Academy of Social Sciences (UCASS), PhD of grade 1985

• Shangxi Liu

Chief Expert of the High-end Think Tank at the Chinese Academy of Fiscal Sciences (CAFS), PhD of grade 1987

Host:

• Duoguang Bei

President of Chinese Academy of Financial Inclusion (CAFI) at Renmin University of China (RUC), Secretary-General of RUC PhD Alumni Forum, PhD of grade 1985

Remarks:

• RUC Representative

• Lei Lu,

Member of the CPC PBC Committee, and Deputy Governor of the PBC

Guests:

• Guangshao Tu

Executive Director of Shanghai Advanced Institute of Finance (SAIF), Shanghai Jiao Tong University

• Shu Gu

Secretary of the Party Committee and Chairman at Agricultural Bank of China

• Yang Li

Chairman of National Institution for Finance & Development, PhD of grade 1986

• Representative

China Construction Bank

• Xiaoqiu Wu

Chairman of National Academy of Financial Research, RUC, PhD of grade 1987

• Gang Yi

Former Governor of the People's Bank of China

• Xuewen Huo

Secretary of the Party Committee and Chairman at Bank of Beijing

Guests:

• Duoguang Bei

President of Chinese Academy of Financial Inclusion (CAFI) at Renmin University of China (RUC), Secretary-General of RUC PhD Alumni Forum, PhD of grade 1985

• Xuewen Huo

Secretary of the Party Committee and Chairman at Bank of Beijing

• Guangshao Tu

Executive Director of Shanghai Advanced Institute of Finance (SAIF), Shanghai Jiao Tong University

• Xiaoqiu Wu

Director of National Academy of Financial Research, RUC, PhD of grade 1987

Speaker：

• Xiugen Mo

Executive President of the Chinese Academy of Financial Inclusion (CAFI) at Renmin University of China

Host:

Lei Xiao

Chief Economist and Head of Research at Kasikorn Bank China; Research Fellow at SAIF Think Tank, Shanghai Jiao Tong University

Guests:

• Long Chen

Chair of Sustainability Steering Committee of Alibaba Group

• Bei Jin

Member of the Chinese Academy of Social Sciences (CASS), PhD of grade 1986

• Xiangquan Zeng

Director of China Institute for Employment Research (CIER), RUC, PhD of grade 1984

Over the past decade, China has made significant progress in improving access to inclusive finance. Yet challenges persist, especially in building financial resilience and improving financial health. Banks, in particular, face mounting pressure as delivering inclusive finance remains both burdensome and difficult. The 2025 Implementation Plan for High-quality Development of Inclusive Finance in the Banking and Insurance Industries charts the course for the next five years, aiming to build a comprehensive and high-quality system.

Drawing on the progressive framework of financial accessibility, financial resilience, and financial health, this discussion will focus on two major sub-topics:

• In response to the current overemphasis on inclusive credit and the neglect of inclusive insurance and wealth management, how can institutions address the gap by offering integrated financial services?

• As competition intensifies among banks of all sizes, how can institutions develop their respective differentiated strengths and contribute to a sustainable inclusive finance ecosystem that supports customers’ financial health and drives high-quality development of inclusive finance?

Moderator:

• Hui Chu

Secretary General of Inclusion Club

• Panelists:

• Jianping Jiang

Deputy General Manager of Inclusive Finance Department at Agricultural Bank of China

• Junfeng Li

Former Director of the Inclusive Finance Department of CBIRC

• Xiaolong Wang

Deputy Chairman of the Economic Committee of CPPCC Zhejiang Provincial Committee

• Hui Wu

Chairman of Guangfeng Guangxin County Bank, Jiangxi Province

• Bin Zhou

Deputy General Manager at Bank of Hangzhou Consumer Finance

• Gang Zeng

Chief Specialist and Director of Shanghai Institution for Finance & Development (SHIFD), PhD of grade 2000

• Representative

Taizhou Bank

Driven by the support of policies and digital technologies, inclusive insurance has progressed from broad basic coverage to a new stage of high-quality development focusing on quality, efficiency, and targetedness. This discussion focuses on how to engage broader societal forces to advance its sustainable development.

At this new stage, how can resource sharing and cross-sector collaboration empower the high-quality development of inclusive insurance? Can technology break data silos and enable secure sharing? How can sustainable mechanisms be established to strengthen banking-insurance ties and improve government-insurance coordination?

Moderator:

• Li Xing

Researcher of CAFI; General Secretary of CIIN

Case Sharing:

Sharing Guest:

• De Shi

Director of the Group Business Group at Ping An Property & Casualty Insurance

Commentary Guest:

Jinghui Xu

Former General Manager of Dajia Insurance Group

Guests:

• Chuanyan Su

Director of the General Manager's Office at AXA Tian Ping P&C Insurance (Beijing Branch)

• Likai Zhang

Vice President & Chief Actuary of Yuanbao Group

• Runyuan Zhang

Director at China Foundation for Rural Development (CFRD)

• Yun Zhu

Senior Project Officer, Financial Institutions Group, International Finance Corporation (IFC), World Bank

• Qiang Wang

Director of Retail Banking at Bank of Beijing

Host:

• Yuwei Huang

Partnership Development Manager, CAFI

Award-Presenting Guests:

• Duoguang Bei

President of Chinese Academy of Financial Inclusion (CAFI) at Renmin University of China (RUC), Secretary-General of RUC PhD Alumni Forum, PhD of grade 1985

• Jinghui Xu

Former General Manager of Dajia Insurance Group

• Xiaolong Wang

Deputy Chairman of the Economic Committee of CPPCC Zhejiang Provincial Committee

• Junfeng Li

Former Director of the Inclusive Finance Department of CBIRC

• Jianjun Liu

Director of the Institute of Equity and Venture Capital, Hunan University

• Tao Liang

(Invitation Only)