Zou Lan, Deputy Governor of the People's Bank of China, said that as China accelerates its push to build a financial powerhouse, a digital China, and a social credit system, the functional positioning, governance boundaries, and operational logic of the country's credit reporting are undergoing corresponding adjustments. The credit market structure has changed profoundly: loan scale is approaching 300 trillion yuan, and more than 800 million individuals now have credit records in the credit reporting system. Slower but higher-quality credit growth has become the new normal for macroeconomic operations, and the focus of financial development has shifted toward stock optimization and precision support. That said, credit services for key and weak areas—such as technological innovation, green transformation, and private small and micro enterprises—are not yet sound, and the adaptability of the credit reporting system needs improvement. At the same time, the growth of digital finance requires the credit reporting industry to move from traditional, static credit information sharing toward comprehensive financial data services characterized by diverse data and dynamic interaction, while changes in credit demand tied to social welfare also warrant close attention.