尹艳林：要推进金融机构科技化、科技公司金融化

Core Viewpoint - The financial industry in China is undergoing significant transformation driven by a new wave of technological revolution, necessitating reforms in financial institutions and regulatory concepts to adapt to new business models and trends [1]. Group 1: Encouraging Innovation - Financial innovation should be promoted within a market-oriented and rule-of-law framework, encouraging both financial institutions and technology companies to collaborate and innovate [3]. - Increased investment in research and development is essential to enhance the application of new technologies and innovate financial products and services [4]. Group 2: Promoting Reform - Achieving innovation requires comprehensive reforms in both financial institutions and regulatory bodies, particularly in state-owned banks, to better integrate commercial, policy, and directional requirements [4]. - Regulatory approaches should shift from institution-based to business logic-based, ensuring similar activities and risks are subject to the same regulatory standards [4]. Group 3: Expanding Openness - Financial regulations should align with international high-standard trade agreements, reducing restrictive measures to enhance cross-border investment and financing [5]. Group 4: Promoting Integration - The integration of various financial sectors and the collaboration between financial institutions and technology companies is crucial to broaden the scope of financial services and innovate financial tools and models [5][6]. - Emphasis should be placed on creating comprehensive financial service scenarios that better serve the real economy through enhanced integration with technology, e-commerce, and logistics [6]. Group 5: Ensuring Security - The emergence of new financial business models presents challenges, particularly concerning data security and privacy protection, necessitating strict compliance with relevant policies and regulations [6]. - A regulatory framework suited to new business models should be established, focusing on enhancing regulatory capabilities while balancing financial innovation and risk prevention [6].