[Central Bank: Guide institutions to lend responsibly and strictly implement regulations such as explicit disclosure of comprehensive financing costs] On November 13, Zou Lan, deputy governor of the People's Bank of China, stated at the 17th Caixin Summit that it is necessary to vigorously create a strong atmosphere for learning, understanding, and using credit information, and continue to improve the capabilities and quality of financial participants. Zou Lan said that it is necessary to guide financial institutions to correctly interpret and rationally use credit reports to avoid over-reliance on the credit reporting system; strictly implement relevant regulations such as explicit comprehensive financing costs, online marketing of financial products, responsible lending, differentiated operations, and enhance the overall operating capabilities and level of the financial system. Promote the public, especially young people, to establish a correct concept of credit, continuously improve financial literacy, achieve rational debt, timely repayment of loans, pay attention to accumulating good credit, and create and share a better future.