Core Viewpoint - The China Internet Finance Association has published the "China Digital Finance Development Research Report 2024," which innovatively revises the structure and content of previous annual reports to align with national policies and regulatory requirements [1][2]. Group 1: Report Overview - The report is divided into five main sections, covering the digital transformation of financial institutions, digital financial products and services, the foundational aspects of digital finance, and the governance system of digital finance [1]. - It aims to summarize the annual development of digital finance in China, address key challenges, and provide targeted improvement measures and policy recommendations [1][2]. Group 2: Industry Development - In 2024, China's digital finance is experiencing rapid growth, with an optimized regulatory environment and ongoing digital transformation of financial institutions [2]. - The main business models are developing in a standardized and healthy manner, with diverse applications of digital technology in finance [2]. - Digital financial infrastructure is continuously improving, and consumer rights protection in digital finance is being further optimized [2]. Group 3: Challenges and Recommendations - Despite the progress, challenges remain in areas such as the digital transformation of small and medium-sized banks, governance of financial "black and gray industries," management of financial network and data security, and balancing innovation with regulation [2]. - Collaborative efforts are needed to enhance the digital finance ecosystem, establish a high-level digital finance industry cluster, and ensure the orderly advancement of financial data security applications [2]. - A comprehensive governance system encompassing legal norms, administrative regulation, industry self-discipline, institutional autonomy, and social supervision is recommended to maintain a standardized and healthy digital finance market order [2].
《中国数字金融发展研究报告2024》正式出版发行
Jin Rong Shi Bao·2025-09-30 01:29