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尹艳林：金融要实现创新，唯有改革
Jing Ji Guan Cha Bao·2025-09-26 13:42

Core Insights - The integration of technology and finance is an irreversible trend, with new technologies like AI, big data, and blockchain reshaping the financial industry and creating new business models [1][2] Group 1: Technology Integration - The new technological revolution characterized by intelligence, greenness, and digitization is significantly impacting the global economy and pushing the financial industry into a new era [1] - AI is accelerating its integration into financial processes, enhancing areas such as investment research, risk control, compliance checks, and customer service [1] - The penetration rate of smart investment advisory services has exceeded 60%, with the global managed scale expected to reach $1.8 trillion by 2024 [1] Group 2: Recommendations for Financial Modernization - Encouraging innovation is essential, with a focus on market-oriented and legal frameworks to promote financial innovation and collaboration between financial institutions and technology companies [2] - Reform is necessary to enhance the capabilities of financial institutions, particularly state-owned banks, and to shift regulatory approaches towards business logic rather than institutional types [3] - Expanding openness in the financial sector can improve resource allocation efficiency and enhance international competitiveness [3] Group 3: Financial Ecosystem Integration - The financial sector must maintain its focus on serving the real economy while promoting cross-sector integration among various financial services and industries [4] - Strengthening the integration of finance with technology, e-commerce, and logistics can create more comprehensive financial service scenarios [4] Group 4: Risk Management - Risk prevention remains a core theme in financial work, with a focus on data security and privacy protection as new business models emerge [4] - Establishing a regulatory framework that adapts to new business models and enhances regulatory capabilities is crucial for balancing innovation and risk prevention [4]