Speaking at the 17th Caixin Summit on November 13, Zou Lan, Deputy Governor of the People's Bank of China, emphasized the need to anchor development in finance while radiating and driving broader progress. He called for strictly enforcing the licensed operation requirements for credit reporting agencies and severely cracking down on illegal credit reporting activities conducted without licenses. He also stressed the importance of rigorously managing and making good use of credit information, while promoting quality and efficiency improvements among personal credit reporting agencies and the optimization and upgrading of the enterprise credit reporting market. Furthermore, he advocated innovating diversified and differentiated product systems such as "data + credit reporting" and "AI + credit reporting," and cultivating benchmark credit reporting agencies and credit rating agencies that are influential, driving, and internationally competitive. At the same time, he urged collaboration with relevant departments to promote policy interconnection, mutual recognition of mechanisms, and data interoperability, support credit reporting agencies in collecting, processing, and handling public and commercial data in accordance with the law, and leverage a relatively mature credit reporting system to facilitate the compliant and efficient circulation and utilization of data elements.