深度丨“打补丁”易，建规则难，银行数据治理7年仍在破局

Core Viewpoint - Data has become a crucial production factor in banking operations, driving revenue growth through innovations like credit assessment for small and micro clients, precise retail customer profiling, and supply chain finance [1] Group 1: Data Governance and Management - There has been an increase in banks establishing independent data management departments, elevating their status to a primary department level, reflecting the importance of data governance in digital transformation [2][4] - Many banks still operate data governance in a "patchwork" manner, lacking standardized and systematic frameworks, particularly smaller banks which face the most penalties for data governance violations [2][6] - Regulatory requirements have prompted banks to enhance their data governance structures, with the 2018 guidelines from the former CBRC emphasizing a top-down approach to establishing data governance systems [6][10] Group 2: Regulatory Environment and Penalties - The frequency of penalties related to data reporting and governance has increased, with 118 cases reported since 2025, indicating a stronger regulatory push for compliance [14][15] - Specific cases of penalties highlight issues such as false reporting and data inaccuracies, affecting various types of banking institutions [15] - The regulatory environment has created pressure for banks to improve data quality and governance practices, as poor data quality hampers both operational efficiency and regulatory compliance [13][14] Group 3: Challenges in Data Governance - Many banks view data governance as a departmental task rather than a comprehensive organizational responsibility, which hinders effective implementation [10][11] - The complexity of data governance involves breaking down departmental silos and ensuring that data management is integrated across all levels of the organization [10][11] - The high costs and long-term nature of data governance initiatives pose challenges, particularly for smaller financial institutions that may struggle to allocate sufficient resources [12][13] Group 4: Progress and Initiatives - Some banks have made significant strides in establishing data standards and governance frameworks, with examples including Ping An Bank and CITIC Bank, which have developed extensive data standards [16] - A growing number of smaller banks are beginning to prioritize data governance, recognizing its strategic importance for overall business operations [16]