易纲：发展数字金融要“以人为本” 注重隐私保护

Core Insights - The main theme of the speeches is the importance of privacy protection in the era of digital finance, emphasizing the need for legislative measures to ensure data minimization, transparency, and accountability in data collection and protection [1][3]. Group 1: Digital Finance Development - Digital finance in China has been significantly advanced since the early 2000s, with widespread application starting in 2010, particularly in mobile payments, where China is a global leader [3]. - The development of financial infrastructure, including payment systems and credit systems, has played a crucial role in the growth of digital finance [3]. Group 2: Legislative and Regulatory Framework - The legislative framework should focus on protecting individual rights and privacy, requiring financial institutions to adhere to data minimization, transparency, and consent principles [3]. - Institutions collecting data must be responsible for its protection and must implement necessary measures to prevent data breaches, with legal accountability for any violations [3]. Group 3: Innovation and Risk Management - Innovation is identified as the core driver of financial market development, with effective institutional arrangements being essential for risk management and protection of property rights [2]. - Digital finance enhances the ability to manage and mitigate financial risks, leading to reduced costs and improved accessibility of financial services [2].