尹艳林：我国已成为推动全球金融变革的重要力量

Core Insights - China has become an important force in driving global financial transformation [1][2] - The trends of financial modernization include intelligence, greenness, digitalization, and internationalization [1] - The five key areas of focus in China's financial sector are technology finance, green finance, inclusive finance, pension finance, and digital finance [1] Financial Intelligence - Chinese banks, insurance, securities, and fintech companies are actively deploying intelligent customer service systems [1] - Chinese enterprises occupy 6 out of the top 10 global rankings for intelligent customer service patent applications, accounting for 65% of the total applications [1] - Artificial intelligence has been deeply applied in risk control and customer service, with the intelligent customer service replacement rate in financial institutions rising to 70% [1] Financial Digitalization - Financial institutions are accelerating their digital transformation, with a goal to achieve over 85% digitalization rate for major financial institutions by 2027 [1] - The digital finance landscape in China is continuously expanding, covering payment, credit, investment, insurance, and credit reporting [1] - China leads globally in digital payments [1][2] Mobile Payment Market - China is the largest market for mobile payments globally, with over 1 billion users and the highest penetration rate [2] - By 2024, the proportion of personal mobile banking users in China is expected to reach 88%, and 93% of enterprises have opened corporate online banking [2] - The digital yuan pilot has expanded to 17 provinces, with over 80% coverage for salary payments in Xiong'an New Area [2] Internationalization of Finance - Significant progress has been made in the internationalization of Chinese finance, with record high offshore RMB bond issuance [2] - The Guangdong-Hong Kong-Macau Greater Bay Area's cross-border wealth management scheme has achieved a breakthrough in scale [2] - The digital yuan international operation center has officially opened, and the proportion of RMB in cross-border payments is expected to increase further [2]