银行业保险业数字金融高质量发展实施方案印发

Core Viewpoint - The Financial Regulatory Administration has released a plan to promote the high-quality development of digital finance in the banking and insurance sectors, outlining 33 tasks across various areas including governance, services, technology application, data development, risk management, and regulatory transformation [1][2][3]. Group 1: Overall Goals - The main goal for the next five years is to achieve significant progress in digital transformation, enhance the capabilities driven by digital technology, and improve the value conversion of data elements [1][2]. - The plan aims to explore innovative applications of digital technology and data elements, improve financial services in key areas such as technology, green finance, and rural revitalization, and promote replicable good practices in digital finance [1][2]. Group 2: Implementation Requirements - Financial institutions are required to develop scientific digital finance development plans, optimize organizational structures, and establish a digital talent system [2][3]. - The plan emphasizes the development of "AI + finance," the exploration of cutting-edge technology applications, and the enhancement of data governance mechanisms [2][3]. Group 3: Risk Management - The plan calls for the establishment of an intelligent risk control system, focusing on strategic, compliance, operational, outsourcing, and liquidity risks, while enhancing data and cybersecurity protections [2][3]. - It also emphasizes the need for effective management of algorithm model risks and external cooperation risks within the digital ecosystem [2][3]. Group 4: Regulatory Transformation - The plan aims to promote the digital transformation of regulatory processes, develop intelligent analysis tools, and strengthen the construction of regulatory big data and digital human resources [2][3]. - It highlights the importance of maintaining a balance between development and security, ensuring that systemic financial risks are effectively monitored and managed [3].