违反金融科技规定，今年21家机构被罚！多为农商行、农信社

Core Viewpoint - The recent penalties imposed by the central bank on multiple rural financial institutions for violating financial technology management regulations highlight the systemic risks and compliance challenges faced by these institutions in their technological transformation [2][3][6]. Group 1: Penalties and Violations - A total of 21 banking financial institutions have been penalized this year for violating financial technology management regulations, with over 86% of these being rural commercial banks, rural credit cooperatives, and village banks [3][4]. - Specific penalties include fines of 318,000 yuan for a rural credit cooperative in Shaanxi and fines ranging from 986,750 yuan to 1,548,400 yuan for various rural commercial banks in Jiangxi [3][4]. - The highest penalty was 2.21 million yuan for a state-owned bank in Hebei, which also violated account management and anti-money laundering regulations [4]. Group 2: Challenges in Technological Transformation - Rural financial institutions face significant challenges in their financial technology transformation, including weak technical foundations and a shortage of talent who are proficient in both finance and technology [6]. - Common issues include inadequate investment in system construction and data governance, as well as insufficient understanding of new technologies and regulations among employees [6]. - Experts suggest that these institutions should focus on key compliance areas such as data security and system stability, and establish long-term partnerships with third-party technology companies to enhance their compliance systems [6]. Group 3: Future Financial Technology Development - The People's Bank of China has developed two rounds of financial technology development plans, with the second round (2022-2025) focusing on eight key tasks and five supporting measures [7][8]. - A new financial technology development plan is anticipated, aimed at promoting the digital and intelligent transformation of finance while ensuring safety and compliance [8][9]. - Recent regulations emphasize the importance of data security and management, including the prohibition of unauthorized sharing of credit information and the establishment of standards for reporting cybersecurity incidents [9].