《银行业保险业数字金融高质量发展实施方案》印发 首提“数字技术与数据要素双轮驱动”

Core Viewpoint - The implementation plan for the high-quality development of digital finance in the banking and insurance sectors has been released, aiming to accelerate digital transformation and enhance the capabilities of digital technology and data elements over the next five years [1][2]. Group 1: Overall Requirements - The plan outlines three main sections: overall requirements, work tasks, and organizational guarantees, proposing 33 specific tasks related to digital finance governance, services, technology application, data development, risk management, and regulatory digital transformation [1]. - The primary goal for the next five years is to achieve significant progress in digital transformation, enhance the driving capabilities of digital technology, and improve the value conversion of data elements [1]. Group 2: Work Tasks - The plan emphasizes the exploration of innovative applications of digital technology and data elements, aiming to improve financial service quality in key areas such as technology, green finance, inclusive finance, and elderly care [1]. - It aims to provide substantial financial support for major strategies, key areas, and weak links, while promoting replicable and scalable good practices in digital finance [1]. Group 3: Regulatory Digital Transformation - The plan seeks to efficiently promote the digital and intelligent transformation of regulation, enhancing regulatory penetration capabilities and supporting the construction of five major regulatory capacities [1][2]. - It aims to strengthen the regulatory framework to ensure that financial supervision is robust and effective [1]. Group 4: Strategic Focus - The plan introduces a dual-driven strategy of "digital technology and data elements," marking a shift from merely supporting elements to independent driving engines for financial innovation [2]. - It incorporates "artificial intelligence + finance" and "data elements ×" into the policy framework, indicating a transition from process optimization to value creation in technology applications [2].