Overview
We believe technological progress will make serving disadvantaged groups economically viable and ultimately promote social equality. Our understanding of inclusive finance differs from mainstream views: inclusion means fair participation for everyone without hidden discrimination, rather than simply universal coverage; benefit means market pricing that respects supply and demand without distorting production factors, rather than discounts. The future of technology finance lies in serving the real economy, hard technology, small and micro businesses, and agriculture, rural areas and farmers. Open finance is a unified market for businesses, while “banking the unbanked” means shared prosperity for small and medium-sized enterprises.
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我们坚信技术的进步会让 “服务弱势群体” 在经济上是可行的，并最终会推动社会的平等。我们对普惠金融的理解也与主流见解不太一样：“普” 不是普遍，而是人人都可以有公平参与的机会，没有隐性歧视；“惠” 不是优惠，而是市场化价格尊重供需关系，没有生产要素扭曲。科技金融的未来在服务实体，服务硬科技，服务小微，服务三农。“开放式金融” 就是 toB 版的统一大市场，“banking the unbanked” 就是中小微企业的共同富裕。