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违反金融科技规定 21家机构被罚
Nan Fang Du Shi Bao·2025-07-23 23:08

Core Viewpoint - The article highlights the increasing penalties faced by rural financial institutions in China for violating financial technology management regulations, indicating systemic risks and challenges in their technological transformation [2][5][6]. Group 1: Penalties and Violations - A total of 21 banking institutions have been penalized this year for violating financial technology regulations, with over 86% being rural financial institutions such as rural commercial banks and rural credit cooperatives [5][6]. - Specific penalties include a rural credit cooperative in Shaanxi fined 318,000 yuan and three rural commercial banks in Jiangxi fined amounts ranging from 986,750 yuan to 1,548,400 yuan for various violations [3][5]. - The highest penalty was imposed on a state-owned bank in Hebei, amounting to 2.21 million yuan, due to multiple regulatory violations [5]. 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][7]. - Analysts 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 frameworks [6][7]. Group 3: Regulatory Framework and Future Directions - The People's Bank of China has developed two rounds of financial technology development plans, with the second round focusing on governance, data elements, infrastructure, and core technologies [7][8]. - New regulations have been introduced to strengthen data security and management, including rules on the handling of credit information and network security incident reporting [8][9]. - The central bank emphasizes the importance of integrating technology and finance, promoting data governance, and advancing the application of new technologies like artificial intelligence in the financial sector [9].