Taking serving the real economy as the foundation, deepening reform and innovation as the driving force, and preventing and controlling financial risks as the bottom line... The "15th Five Year Plan" proposes to accelerate the construction of a strong financial country. Industry insiders have stated that vigorously developing the "five major articles", optimizing the financial institution system, and comprehensively strengthening financial supervision will be the key tasks of the financial industry during the "15th Five Year Plan" period. The "Five Major Articles" and the "15th Five Year Plan" suggest vigorously developing technology finance, green finance, inclusive finance, pension finance, and digital finance. Lou Feipeng, a researcher at China Postal Savings Bank, believes that during the "15th Five Year Plan" period, the financial industry can make efforts in the following areas: in the field of technology finance, guide banks and securities companies to serve science and technology innovation enterprises through multiple paths such as loans and equity investments; In the field of green finance, promote the alignment of green finance standards with international standards, explore pilot projects for carbon finance derivatives, and support financing for industries such as energy storage and hydrogen energy; In the field of pension finance, accelerate the construction of personal pension account product shelves, encourage insurance and wealth management companies to develop long-term and stable pension products, and promote the pilot of REITs in the pension industry. In the field of inclusive finance, Zeng Gang, Chief Expert and Director of Shanghai Finance and Development Laboratory, suggested that the financial industry should focus on digital transformation, develop online and intelligent small and micro enterprises and "agriculture, rural areas and farmers" financial products, and promote rural financial service coverage and credit system construction. Improve risk compensation, policy based credit and other systems, so that the financial "live water" can be accurately dripped to the inclusive population, and help achieve common prosperity. In terms of digital finance, Zeng Gang believes that financial institutions should firmly promote investment in financial digitization and intelligent infrastructure, deeply utilize financial technology to improve service efficiency and risk control capabilities, actively create open ecosystems and scenario based services, and strengthen financial security and data compliance management. The "15th Five Year Plan" proposes optimizing the financial institution system, promoting various financial institutions to focus on their main business, improve governance, and develop in a differentiated manner. Building a safe and efficient financial infrastructure. Dong Ximiao, Chief Researcher of China Merchants Association, believes that China's financial industry has made significant progress, and the financial system has been continuously improved, forming a comprehensive and multi-level financial support service system consisting of bank credit, bond market, stock market, venture capital, etc. Among them, the banking industry is the main body of financial services, and various types of banks can provide differentiated products and services for different customer groups, continuously improving supply capacity and level. Regarding the outlook for the financial industry during the 15th Five Year Plan period, Zeng Gang stated that the differentiated development pattern of financial institutions will become clearer. Large banks will accelerate their transformation and development towards comprehensiveness and internationalization, continuously enhancing their global competitiveness; Small and medium-sized banks will focus on distinctive and differentiated services, deeply cultivating segmented markets and regional economies; Non bank financial institutions will play a more important role in professional fields such as asset management and wealth management, forming a development trend of complementary advantages. The State Administration for Financial Regulation will guide institutions of different types and sizes to identify their positioning, focus on their main business, compete in a differentiated manner, achieve characteristic operations and differentiated development, and jointly build a diversified, orderly, healthy, and sustainable financial ecosystem. Resolutely correct disorderly competition behavior and effectively maintain a healthy and fair financial order. ”Recently, Li Yunze, the director of the State Administration for Financial Regulation, stated that it will further deepen the structural reform of the financial supply side and promote a more rational institutional layout. Dong Ximiao believes that the role of small and medium-sized financial institutions, especially small and medium-sized banks, should be emphasized, and precise positioning of small and medium-sized financial institutions should be carried out. Small and medium-sized banks have a natural compatibility with small and micro enterprises, private enterprises, and individual industrial and commercial households. A large number of institutional branches of small and medium-sized banks are located in counties and rural areas, serving as the main force in promoting comprehensive rural revitalization. Measures should be taken to prevent the "crowding out effect" caused by the excessive non marketization of large banks on small and medium-sized banks, and to promote small and medium-sized banks to truly become an important component of the multi-level and widely covered banking institutional system. Small and medium-sized banks should leverage their strengths and avoid weaknesses, and strive to form differentiated positioning with their own characteristics and advantages. The "15th Five Year Plan" proposes to comprehensively strengthen financial supervision, enhance coordination between central and local supervision, enrich risk disposal resources and means, build a risk prevention and resolution system, and ensure the stable operation of finance. In terms of improving risk control and compliance management in the financial industry, Zeng Gang suggested that the comprehensive risk management framework should be strengthened first, and dynamic identification, precise quantification, and real-time monitoring of various risks such as credit, market, and liquidity should be promoted. Especially for new business fields such as technology finance and green finance, differentiated and forward-looking risk control models should be established. Secondly, accelerate the application of digital and intelligent means, and achieve full chain risk prevention and control before, during, and after loans through technologies such as big data analysis, artificial intelligence risk control, and blockchain traceability. In addition, financial institutions should continuously improve their compliance management system, strictly implement regulatory requirements, improve internal review, information disclosure mechanisms, and employee compliance culture construction, and strengthen compliance monitoring and accountability for key businesses and key positions. The financial industry needs to fulfill its primary responsibility for risk prevention and establish a system of 'early identification, early warning, early disposal, and early correction'. The reform of insurance for small and medium-sized financial institutions requires continuous promotion of 'mergers and acquisitions, reduction and quality improvement'. Collaborative resolution of local government debt risks, strengthening coordination between the central and local governments, promoting the 'control of new and old' implicit debts, strictly controlling new implicit debts, and optimizing debt structure. ”Lou Feipeng said. (New Society)