上级动态｜国家金融监督管理总局发布《银行业保险业数字金融高质量发展实施方案》

Core Viewpoint - The Financial Regulatory Administration has released the "Implementation Plan for High-Quality Development of Digital Finance in the Banking and Insurance Industries" to promote the rapid development of digital finance in alignment with the directives from the 20th National Congress of the Communist Party of China and subsequent meetings [1][3]. Group 1: Overall Requirements - The "Implementation Plan" consists of three main parts: overall requirements, work tasks, organizational guarantees, and supervision management [2][4]. - It outlines 33 work tasks focusing on digital finance governance, services, technology application, data element development, risk management, and the digital transformation of regulation [2][4]. Group 2: Work Tasks - Establish a sound digital finance governance mechanism, requiring financial institutions to develop scientific digital finance development plans and adapt business management models [2][4]. - Promote high-quality digital financial services driven by digital technology and data elements, enhancing service quality in various sectors including technology innovation, advanced manufacturing, and rural revitalization [2][4]. - Leverage new technologies like artificial intelligence to drive innovation in finance, enhance research and development capabilities, and improve digital infrastructure [2][4]. - Activate the potential of data elements by improving data governance mechanisms, standards, and quality control, while promoting high-level applications of financial data [2][4]. - Strengthen risk management by building intelligent risk control systems and focusing on various risks such as strategic, compliance, operational, outsourcing, and liquidity risks [2][4]. Group 3: Organizational Guarantees and Supervision Management - The Financial Regulatory Administration will ensure the implementation of the plan, guiding financial institutions in their digital transformation to enhance service convenience and competitiveness [3][5]. - The plan emphasizes the importance of balancing development and safety, with ongoing monitoring to prevent systemic financial risks [3][5].