肖钢、尚福林等发声！

Core Viewpoint - The seminar focused on enhancing China's international competitiveness in digital finance, emphasizing the importance of financial technology and innovation in this process [1][2][3]. Group 1: Digital Finance Development - The report titled "China's Digital Finance: Connotation, Efficiency, and Security" outlines the evolution, value, and innovation directions of digital finance in China, highlighting its role in supporting high-quality economic development [3]. - Five internal rules of digital finance development were identified: 1. Real and effective demand drives development 2. Innovation is key 3. Understanding the characteristics and limitations of digital technology is essential 4. Improving ecosystem construction is fundamental 5. Regulating based on business logic is a guarantee for development [3]. Group 2: Role of Financial Technology - Shenzhen is recognized as a global leader in financial technology, ranking third in the latest global financial center rankings, attributed to the leadership of fintech companies and a robust ecosystem [2]. - The seminar encouraged strong fintech companies to expand internationally to enhance their competitiveness [2]. Group 3: Artificial Intelligence in Banking - The application of artificial intelligence (AI) in the banking sector is seen as a core driver of digital transformation, with recent innovations significantly reducing the costs of large model applications [4]. - AI is expected to disrupt traditional advantages of small and medium-sized banks while enhancing service efficiency and potentially revolutionizing risk dispersion mechanisms [4]. - Financial institutions are urged to accelerate technological innovation, strengthen talent development, and focus on creating value for clients to achieve high-quality growth [4]. Group 4: Discussions and Insights - Various industry leaders participated in discussions on enhancing China's digital finance international competitiveness, sharing insights on the challenges and opportunities in the sector [5].