友邦保险CEO李源祥：普惠金融不能只扩大覆盖，关键是精准输送与风险抵御

澎湃新闻06-18 15:50

专题：2026陆家嘴论坛：央行、金融监管总局、证监会领导演讲　　6月18日，友邦保险控股有限公司首席执行官兼总裁李源祥在2026陆家嘴论坛“全体大会七：提高普惠金融的有效性与精准度”上表示，长期以来，普惠金融的核心意义在于扩大金融参与度、增设金融账户、拓宽服务覆盖，让更多群体纳入正规金融体系。中国在普惠金融领域已取得长足、有目共睹的进展。　　6月18日，友邦保险控股有限公司首席执行官兼总裁...

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resistance","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"81299":0.6,"159940":1.5,"01299":1.5,"AAGIY":0.6},"content_text":"专题：2026陆家嘴论坛：央行、金融监管总局、证监会领导演讲\n　　6月18日，友邦保险控股有限公司首席执行官兼总裁李源祥在2026陆家嘴论坛“全体大会七：提高普惠金融的有效性与精准度”上表示，长期以来，普惠金融的核心意义在于扩大金融参与度、增设金融账户、拓宽服务覆盖，让更多群体纳入正规金融体系。中国在普惠金融领域已取得长足、有目共睹的进展。\n\n　　6月18日，友邦保险控股有限公司首席执行官兼总裁李源祥在2026陆家嘴论坛“全体大会七：提高普惠金融的有效性与精准度”上。 澎湃新闻记者 胡志挺 图\n　　在他看来，当下工作的核心不再单纯是提升金融体系覆盖的人群规模，核心考验在于金融资源能否精准输送至最亟需支持的领域，能否增强广大民众的风险抵御能力，能否将信贷资金真正投向能够提升生产效率的场景。 中小微企业是这一问题的典型载体，它们是吸纳就业、承载创新的核心主体，但大量优质中小微企业仍未能获得充足资金支持。\n　　李源祥认为，在搭建金融体系、尤其是普惠金融体系的过程中，要保障信息获取公平，消解信息不对称问题。只有授信全流程严格合规，才能夯实供应链抗风险能力、赋能生产性投资、带动就业增长，最终助力经济可持续发展。 在此过程中，技术与数据将发挥至关重要的作用。\n　　“我们必须合规、审慎地运用数据与技术。”李源祥指出，要依托二者优化业务决策、降低融资门槛，同步强化风险管控；但技术无法替代人的最终判断，想要做出科学审慎的决策，就要合理运用数据，在公司治理、数据安全、信息透明层面履行更充分的主体责任。\n　　“我们的核心责任，是在落地社会价值目标与实现合理商业回报之间找到平衡。唯有金融机构自身具备充足的经营韧性，才能拥有长期服务客户的可持续能力。”他说道。\n　　谈及如何更好应对现存挑战，李源祥直言，解决思路不能局限于加大资金供给、拓宽企业融资渠道，还需要兼顾健康保障、风险对冲、气候灾害防范、各类突发性商业冲击等更宏观议题。通过协助居民与企业完善风险管理、推进灾后恢复重建，能够为市场主体提供长期保障，增强整体抗风险能力，推动更多市场主体深度参与实体经济。从这个角度来说，发展保险行业，本质就是筑牢社会整体韧性。\n　　他还认为，人口老龄化持续推高全民健康保障需求，全球经济波动与各类风险也日趋复杂，普惠金融不能只聚焦融资需求评估，更要探索如何长期保障民众生命与财产安全。各项举措的落地见效，离不开多方合作。\n　　“没有任何一家机构能够单打独斗。”李源祥表示，普惠金融领域唯有多方协同，才能实现长期可持续发展。我们既要压降综合服务成本，也要精准匹配不同群体的金融需求。其中政策支撑不可或缺，政府发挥着关键引导作用；同时要完善金融公共基础设施，依托金融机构积累的成熟行业经验、科创平台的技术能力，与客户建立长期稳定的信任联结。\n\n\n海量资讯、精准解读，尽在新浪财经APP\n\n责任编辑：王馨茹","kind":"news","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"0","news_tag":"","news_rank":0,"isVideo":false,"video":null,"symbols":[],"gpt_button":1,"need_auth":false,"need_login_tip":false,"code":"91000000","status":"200"},"commentList":[],"isCommentEnd":true,"newsSizeData":{"likeSize":0,"commentSize":0,"repostSize":0,"favoriteSize":0,"likeStatus":false,"favoriteStatus":false},"APP":{"userAgent":"Mozilla/5.0 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