香港金管局公布金融科技推广蓝图 四大举措强化风险管理

Core Insights - The Hong Kong Monetary Authority (HKMA) has launched a financial technology promotion blueprint, introducing four key initiatives to address risks in the banking sector related to artificial intelligence and distributed ledger technology [1][2] Group 1: Key Initiatives - The four major initiatives include the Quantum Readiness Index, cybersecurity benchmarks, risk data strategy, and talent training [1][2] - The Quantum Readiness Index aims to assess the banking sector's preparedness for post-quantum cryptography, providing measurable development goals for the transition to a post-quantum computing era [1] - Cybersecurity benchmarks will be developed in collaboration with the industry to establish standardized security guidelines for AI and distributed ledger technology, enhancing due diligence efficiency when banks engage with partners [2] - The risk data strategy emphasizes the asset nature of data, encouraging banks to integrate structured and unstructured data to improve the timeliness and accuracy of risk analysis [2] Group 2: Industry Challenges and Opportunities - Data from HKMA indicates that 73% of banks are concerned about data and cybersecurity risks associated with new technologies, with over 40% citing insufficient data quality and nearly 60% facing talent shortages [1] - Currently, only 7% of banks are exploring quantum computing, but this figure is expected to rise to 53% by 2028 [1] - The HKMA aims to enhance the integration of financial technology into business operations and everyday life, balancing risks and opportunities in the future financial system [2] Group 3: Talent Development - Talent training will target not only technical personnel but also general practitioners, equipping them with skills to effectively describe business needs and interpret AI feedback [2] - The HKMA plans to collaborate with industry and academia to develop training tools such as a human-machine interaction reference database and smart contract application guidelines [2]