and medium - sized enterprises ( msmes ), as well as tens of millions of self - employed businesses and ordinary rural households can obtain bank loans. government - funded or government - subsidized medical and health insurances have benefited all urban and rural residents. these are extraordinary achievements even in the global context. however, that ’ s not enough. given that the contradiction between the unbalanced and inadequate financial supply and the multilevel and diverse financial demand remains relatively salient, much work remains to be done to achieve the goal of inclusiveness in the finance sector. we must steadfastly advance the supply - side structural reform of the financial sector. to be specific, we should cultivate small and medium - sized financial institutions, while developing large and super - large financial enterprises. in the meantime, we should also foster both specialized professional institutions and one - stop institutions with a comprehensive business scope. financial entities of different types should remain committed to their roles, learn from each other ’ s strengths to offset their own weaknesses, and benignly compete and cooperate with each other, in a bid to build together a prosperous financial sector. all financial institutions should speed up digital transformation, which is an inevitable way to improve their ability to serve the public. 1 / 4 bis central bankers'speeches deepening the internal governance reform of financial institutions remains an imperative task. in this regard, we must face up to the hidden risks and violations of laws and regulations that have been exposed, resolutely punish corrupt officials, and spare no efforts to recover the losses of the country and the people. financial institutions of all sizes, including city commercial banks, rural credit cooperatives, trust companies and leasing companies, must establish and improve the modern corporate system. in this process, the key is to strengthen the corporate governance structure, and strictly select senior executives who are loyal, professional, clean and pragmatic. supervision and regulation should be further strengthened and improved, so as to channel financial resources to weak areas in economic and social development. we should adopt a customer - centered mindset, strive to realize the career aspirations of employees, take root in urban and rural communities, and actively fulfill social responsibilities. we should improve the availability of financial services and reduce service costs through technological empowerment, so that people can have equal and even access to financial resources and enjoy high - quality financial services. the accomplishment of these goals essentially conforms to the need of value creation for equity investors. financial institutions must tap their professional

anhui province has completed the preparatory work! this marks a new step forward for anhui's rural financial development. when promoting the bankcard services for farmers, pbc sub - branches made careful preparations ; banking regulatory bureaus at provincial and municipal level actively rendered support to various card issuing institutions ; china union pay and rccs overcame difficulties and exhibited impressive team spirit. i hope that all concerning parties can build on the success and rapid switch the focus of work onto improving the operations, increasing business volumes and serving migrant workers well. first, recognize the importance of farmers'bankcards and improve our work in earnest manner. all parties concerned shall fully recognize the importance of bankcard service for farmers, see the " big picture ", fulfill their responsibilities and do their job well. second, take effective measures to improve the service quality. card - issuing banks should activate all ordinary debit cards for this service, and determine a reasonable service fee ; improve business training and other aspects related to transaction vouchers ; and do a good job in consulting and claims settlement. third, standardize services and strengthen risk management. all parties concerned shall conform to regulations on account management, cash management, bankcard management and anti - money laundering. rccs should take rigorous measures to ensure the safety and confidentiality of data transfer during bankcard transactions. fourth, actively promote the service. all parties concerned should undertake multi - layer, multi - dimensional promotional campaigns in accordance with the guidelines concerning the promotion of bankcard services for farmers in 2007. i believe, under the care and support of anhui provincial government, pbc branches and sub - branches, various card - issuing institutions, banking regulatory bureaus at various levels, china union pay and rccs, the special bankcard services for farmers in anhui province will become a complete success! thank you.