央行：将研究制定新阶段金融科技发展规划 推动金融数字化智能化转型

Core Viewpoint - The People's Bank of China (PBOC) is advancing the "Data Element ×" three-year action plan (2024-2026) to enhance financial digitalization and intelligence through data-driven initiatives and pilot projects [1][10]. Group 1: Policy Planning and Implementation - The PBOC is implementing the 2022-2025 Financial Technology Development Plan, focusing on enhancing financial data management and application [2][9]. - Financial institutions are guided to adhere to principles of compliance, public service, business empowerment, and protection while integrating digital technology and financial services [2][9]. - The PBOC plans to develop a new stage of financial technology development and issue policy documents to promote digital transformation [10]. Group 2: Pilot Demonstrations - The PBOC is organizing pilot projects such as the Financial Digital Transformation Enhancement Project and the Financial Technology Empowerment for Rural Revitalization Project [2][9]. - These initiatives aim to leverage data elements to optimize financial services, enrich financial products, and strengthen risk prevention [2][9]. Group 3: Security Management - The PBOC has released data security management measures to guide financial institutions in ensuring data security and protecting the rights of individuals and organizations [2][9]. - A financial data security grading guideline has been implemented to assist institutions in managing data security throughout its lifecycle [2][10]. Group 4: Standardization and Norms - The PBOC is promoting the implementation of guidelines for data capability construction in the financial industry, clarifying paths for data sharing, integration, privacy protection, and quality management [2][9]. - The establishment of industry standards for financial data security grading is aimed at enhancing data management and protection levels [2][10]. Group 5: Industry Collaboration and Competitions - The National Data Bureau, in collaboration with various departments, has initiated the "Data Element ×" competition to foster innovation in data utilization across sectors [4][5]. - The competition has attracted over 19,000 teams and approximately 100,000 participants, showcasing high-value data development projects [5][6]. Group 6: Sector-Specific Applications - The action plan includes specific applications in sectors such as meteorology, cultural heritage, and traditional Chinese medicine, aiming to enhance service capabilities and data utilization [11][20][24]. - The meteorological sector has developed a comprehensive data product system and opened up significant meteorological data to support various industries [13][14]. - The cultural heritage sector is focusing on digital resource services and innovative management models to enhance the protection and utilization of cultural assets [21][23].