数字金融狂奔下的创新与风险博弈：让技术监管技术，让数据可用不可见

Group 1 - The concept of "digital finance" is becoming a core pillar of the digital economy, rapidly restructuring the financial system and driving high-quality economic development [1] - Data security risks in digital finance are a significant concern, as the leakage of core financial data can threaten the stability of the financial system and public interests [1] - Small and medium-sized financial institutions often lack robust security measures, complicating risk prevention and posing challenges to the industry's security governance [1] Group 2 - The development of digital finance is a key national strategy, with recent policies emphasizing the importance of digital finance in enhancing China's digital economy [2] - Financial institutions are undergoing digital transformation, focusing on customer-centric business model innovations and personalized financial products [2] - By mid-2025, major banks like ICBC are implementing AI initiatives to enhance various business areas, showcasing the integration of technology in financial services [2] Group 3 - AI applications in retail banking are expanding, with banks like China Merchants Bank and Postal Savings Bank utilizing AI to enhance customer service and operational efficiency [3] - The use of generative AI and other advanced technologies presents multifaceted security challenges, including data privacy risks and potential vulnerabilities in AI systems [5][6] - Experts suggest that the risks associated with generative AI and blockchain can be managed through improved technology and regulatory frameworks [7][8] Group 4 - Financial institutions are encouraged to adopt new technologies for risk management while ensuring market stability [5] - The integration of privacy-enhancing technologies and robust data governance frameworks is essential for addressing data security risks [8][9] - Industry-wide collaboration on data security standards and threat intelligence sharing is necessary to prevent isolated security challenges among institutions [9]