金融监管总局：加大人工智能与大数据技术的应用力度，丰富穿透式监管工具箱

Core Viewpoint - The Financial Regulatory Administration has released the "Implementation Plan for High-Quality Development of Digital Finance in the Banking and Insurance Industries," which emphasizes the integration of digital and intelligent transformation into key regulatory work, outlining major initiatives to enhance digital regulatory capabilities [1][3]. Group 1: Process Optimization - The plan aims to significantly enhance the digital and intelligent levels of key regulatory processes such as market access, off-site supervision, on-site inspections, and administrative penalties, leveraging data technology to maximize the value of data elements and support the construction of "five major regulatory" capabilities [1][3]. Group 2: Technological Empowerment - There will be an increased application of artificial intelligence and big data technologies, enriching the toolbox for penetrating supervision, improving the foresight of financial risk monitoring and early warning, and enhancing the ability to identify, warn, expose, and address risks early [1][3]. Group 3: Regulatory Big Data Construction - The plan includes the establishment of a unified standard, collection, and management of regulatory data through the "one table for all" approach, improving the completeness, accuracy, and timeliness of regulatory data; it also aims to diversify big data sources to strengthen risk monitoring and dynamically capture abnormal behaviors of market entities [1][3]. Group 4: Regulatory Infrastructure - The plan emphasizes the integration and strengthening of computing resources, optimization of network architecture, and establishment of security protection and intelligent operation and maintenance systems to provide a safe and reliable infrastructure for the digital and intelligent transformation of regulation [2][4]. Group 5: Talent System Support - The digital transformation of regulation requires a supporting talent system, focusing on cultivating composite talents who understand technology, data, and regulatory business, enhancing regulatory personnel's data modeling and analysis capabilities through systematic training, and building a talent team for intelligent regulation [2][4].