央行原副行长李东荣：金融科技出海需要四方面关键支撑

Core Insights - China's financial technology (fintech) sector is at a critical opportunity window for international expansion, driven by the growth of financial services abroad [2][4] - The domestic fintech industry has established a solid foundation, leveraging market reforms and digital advancements to enhance service efficiency and customer experience [1][2] - Key areas of expertise include credit risk management, mobile payments, intelligent wealth management, and data applications, with companies gaining globally competitive experience [1][2] International Influence - China's fintech influence has significantly increased in regions like Southeast Asia and Africa, recognized for its mature business models and cost-effective solutions [2] - Breakthroughs in domestic AI platforms, such as DeepSeek, are revitalizing the global fintech ecosystem [2] Challenges and Recommendations - The fintech sector faces various challenges when expanding internationally, including geopolitical changes, regulatory differences, and local cultural and economic factors [2] - Four core recommendations for advancing fintech internationalization include: - Strengthening capabilities to create products that meet both domestic and international standards [3] - Prioritizing compliance to ensure safety and reliability in international operations [3] - Building an ecosystem that respects cultural differences and adapts to local consumer needs [3] - Implementing top-level design and policy support to facilitate collaboration among government, enterprises, and financial institutions [3][4]