Small businesses cannot do without money, and people need money to live a small life. Ensuring quantity, stabilizing prices, and optimizing structure - Recently, the State Administration for Financial Supervision and Administration of China issued a notice clarifying the three major goals of inclusive credit work in 2024. Each individual and small enterprise is expected to achieve their "small fortune" through financial assistance. This is the first time that regulatory authorities have proposed the concept of "inclusive credit", which includes small and micro enterprises, agricultural business entities, individual businesses, and key assistance groups, and clarifies regulatory objectives. This is a practical measure to do a good job in inclusive finance and a vivid reflection of the people-oriented nature of financial work. Financial services for economic and social development not only add icing on the cake, but also provide timely assistance. The core of inclusive finance is to provide equal financial services to the weak links and vulnerable groups in economic and social development. From small business owners who innovate and start businesses to young people who carry dreams and work hard in big cities, from small businesses operating convenience stores to farmers and herdsmen in remote areas, they are all key service targets of inclusive finance. The "small joys" of inclusive finance contain the "big article" of economic and social development. Since the official proposal of "developing inclusive finance" in 2013, after more than ten years of development, China's inclusive finance has made significant progress and has become one of the world's leading banks. The national banking institution network covers 97.9% of townships, basically achieving the goal of having institutions in townships, services in villages, and accounts in every household; Major illness insurance covers 1.22 billion urban and rural residents; The balance of inclusive small and micro loans has increased by more than 20% for five consecutive years... From horse backed banks and motorcycle banks in the snow covered plateau to financial services in the Yangtze and Huaihe River Delta, rural revitalization of mobile party members pioneer, from innovative products such as "tea loans", "citrus loans" and "Lamian Noodles loans" to online micro credit with "second batch, second loan" at your fingertips, a vivid scene witnessed the temperature of inclusive finance serving the people's livelihood. Inclusive finance connects people's lives on one end and the overall development on the other. Chinese path to modernization is the modernization of common prosperity for all people, which inevitably requires a high-quality inclusive financial system. Wider coverage - In recent years, the coverage of inclusive finance in China has been continuously expanding, but there is still significant room for improvement. For example, the credit acquisition rate of individual industrial and commercial households with a population exceeding 100 million and driving nearly 300 million people to work is still not high, and the demand for rural financial services still needs to be explored. The notice requires maintaining support for inclusive credit and proposes to increase the investment of first and second loans, and expand service coverage. Better structure - limited credit resources should be used on the cutting edge. Small and micro enterprises in areas such as technological innovation, green and low-carbon development, and consumption, new agricultural operators in the field of rural revitalization, and key assistance groups for poverty alleviation will be the focus of inclusive credit in the future. More affordable - inclusive finance is both accessible and affordable. Currently, in some fields, there is a situation of universality rather than benefit. It is necessary to promote the high-quality development of inclusive finance through technology empowerment, fee reduction and profit sharing, and other means to steadily reduce the cost of comprehensive financing. In October 2023, the State Council issued the Implementation Opinions on Promoting the High Quality Development of Inclusive Finance, which clearly stated that "in the next five years, high-quality inclusive finance will be promoted."