国家金融监管总局有关司局负责人就 《银行业保险业数字金融高质量发展实施方案》答记者问

Core Viewpoint - The implementation plan for the high-quality development of digital finance in the banking and insurance sectors emphasizes the need for digital and intelligent transformation in regulatory practices, aiming to enhance regulatory capabilities through technology and data utilization [3][4]. Group 1: Background and Context - The plan is a response to the Central Financial Work Conference's directive on digital finance, which highlights the importance of seizing opportunities while ensuring security in financial services [4]. - The plan aims to address challenges faced by financial institutions in digital governance, service delivery, and risk prevention, thereby promoting high-quality development in digital finance [4]. Group 2: Relationship with Previous Guidelines - The plan builds upon the previous guidelines issued in January 2022, which focused on strategic planning and organizational processes for digital transformation in financial institutions [5]. - It introduces new elements such as "Artificial Intelligence+" and "Data Elements×", expanding the scope of digital finance development and regulatory requirements [5]. Group 3: Key Areas for Digital Financial Services - The plan identifies eight key areas for advancing digital financial services, including support for technology-driven enterprises, advanced manufacturing, green economy, small and micro enterprises, and rural revitalization [6]. - It emphasizes the need for tailored financial products in public services and the integration of digital finance in trade and regional development strategies [6]. Group 4: Role of New Technologies - The plan encourages the development of "Artificial Intelligence+Finance" and the establishment of enterprise-level AI platforms to enhance modeling and application capabilities [7]. - It calls for improved technology research and development capabilities, advocating for a market-oriented approach to technology sharing among financial institutions [7]. Group 5: Data Utilization and Governance - The plan outlines requirements for enhancing data governance and management within financial institutions, focusing on compliance and risk prevention [8]. - It promotes the establishment of a secure and trustworthy data ecosystem, encouraging the sharing and utilization of cross-industry data while ensuring data security [8]. Group 6: Risk Management in Digital Finance - The plan stresses the importance of strategic risk management during digital transformation, ensuring alignment with institutional development strategies and risk control capabilities [9]. - It advocates for the construction of intelligent risk management systems and the enhancement of AI application safety [9]. Group 7: Regulatory Digital Transformation - The plan integrates regulatory digital transformation as a key focus, aiming to enhance the digital and intelligent capabilities of regulatory practices [10]. - It emphasizes the need for improved data standards and management in regulatory reporting, as well as the establishment of a robust regulatory infrastructure [11].