对话锦路安生律所高级合伙人袁开宇：关注中小金融机构“数据治理缺失”

Core Insights - The core viewpoint of the article emphasizes that data is transitioning from a supporting role to a core driving force in the financial industry, particularly in the context of digital finance development and regulation [1]. Group 1: Digital Governance and Risk Management - Data governance is becoming essential for financial institutions' transformation, moving from "business digitization" to "asset digitization," where institutions embracing digitalization are more likely to gain a competitive edge [3][4]. - The relationship between risk management reforms and data governance is critical, especially for small and medium-sized banks facing significant risks [4][5]. - A lack of talent and poor data governance in smaller banks can hinder their ability to execute reform plans effectively [5][6]. Group 2: Challenges in Downstream Markets - Large banks face challenges when entering underserved markets, often struggling to adapt their lending logic to the complexities of rural and small-town economies [10][11]. - The differences in collateral types and repayment sources in rural areas complicate risk assessment for banks, necessitating a more localized approach to lending [11][12]. - Enhanced data governance could improve risk monitoring and decision-making in lending scenarios, allowing banks to better assess borrowers' repayment capabilities [12][13]. Group 3: Insurance Industry Data Governance - The insurance industry is also focusing on data governance, with varying needs between foreign and domestic firms, where domestic firms often require more data consolidation [15][18]. - The current trend in the insurance sector involves building data frameworks and ensuring data integration to enhance operational efficiency [16][18]. - The competitive landscape in insurance may evolve similarly to banking, where larger firms have the capability to manage their data systems, while smaller firms may need to collaborate with third-party providers [18][19].