【中文版】

普惠金融是指以可负担的成本为有金融服务需求的社会各阶层和群体提供适当、有效的金融服务。普惠金融强调金融服务的公平性和普及性，旨在让更多的人和企业能够享受到金融服务带来的便利和好处。

普惠金融的主要服务对象包括小微企业、农民、城镇低收入人群等，这些群体往往难以从传统金融机构获得金融服务。普惠金融通过创新金融产品和服务的模式，为这些群体提供更加便捷、灵活、低成本的金融服务，帮助他们实现创业、生产和发展的目标。

普惠金融的发展对于促进经济发展和社会进步具有重要意义。首先，普惠金融能够提高金融服务的覆盖面和渗透率，让更多的人和企业享受到金融服务带来的便利和好处。其次，普惠金融能够促进小微企业的发展和农民的增收，推动经济发展和城乡一体化。最后，普惠金融能够提高社会各阶层的金融素养和意识，增强金融市场的竞争性和稳定性。

为了实现普惠金融的目标，需要政府、金融机构和社会各界的共同努力。政府需要出台相关政策和措施，鼓励和支持金融机构为更多的人和企业提供金融服务。金融机构需要不断创新金融产品和服务的模式，提高金融服务的普及性和可及性。社会各界也需要积极参与和支持普惠金融的发展，共同推动金融服务的公平性和普及性。

【英文版】

Inclusive finance refers to the provision of appropriate and effective financial services to all levels and groups of the society who have financial service needs at affordable costs. Inclusive finance emphasizes the fairness and inclusivity of financial services, aiming to enable more people and enterprises to enjoy the convenience and benefits of financial services.

The main target groups of inclusive finance include small and micro-enterprises, farmers, low-income urban populations, etc., who often find it difficult to obtain financial services from traditional financial institutions. Inclusive finance provides more convenient, flexible, and low-cost financial services through innovative products and service models to help them achieve entrepreneurship, production, and development goals.

The development of inclusive finance is of great significance for promoting economic development and social progress. Firstly, inclusive finance can increase the coverage and penetration of financial services, allowing more people and enterprises to enjoy the convenience and benefits of financial services. Secondly, inclusive finance can promote the development of small and micro-enterprises and the increase of farmers' income, driving economic development and urban-rural integration. Finally, inclusive finance can improve the financial literacy and awareness of all levels of society, enhancing the competitiveness and stability of financial markets.

To achieve the goals of inclusive finance, it requires the joint efforts of the government, financial institutions, and all sectors of society. The government needs to issue relevant policies and measures to encourage and support financial institutions to provide financial services to more people and enterprises. Financial institutions need to continuously innovate products and service models to improve the inclusivity and accessibility of financial services. All sectors of society also need to actively participate in and support the development of inclusive finance to jointly promote the fairness and inclusivity of financial services.