支付手段的演进是社会技术变迁的缩影，每一次支付工具的革新都深刻重塑着交易信任的建立机制。刷 脸支付，作为生物识别技术与金融业务深度融合的产物，凭借其"无媒介"的极致便捷性，已从前沿概念 迅速渗透至日常经济生活，成为数字社会建设的关键基础设施。然而，与之相伴的学术与公共讨论却在 一定程度上陷入"便捷性迷恋"，对其潜在风险的剖析往往停留在技术安全与个人隐私的表层，缺乏对系 统性规制挑战的深刻洞察。 治理原则是构建具体制度的指导思想，应确立以下三项核心原则：一是预防性原则。对生物特征数据应 用可能带来的未知风险和长远影响保持审慎，尤其是在技术后果尚不完全明朗时，监管应体现前瞻性， 采取适应性强的预防措施。二是比例原则。规制措施的强度必须与刷脸支付具体应用场景所蕴含的风险 等级相称。对于低风险小额交易，可适用宽松规则；对于高风险场景，则需施加更严格的监管要求，避 免"一刀切"对技术创新造成不当抑制。三是协同治理原则。建立政府监管机构、行业企业、技术专家、 社会公众等多方主体共同参与、责任共担的协同共治格局，形成治理合力。 营造有利于科学治理的外部环境 推动关键监管工具与机制的创新 推行"监管沙盒"的升级应用。将现有侧 ...

Core Viewpoint - The rapid application of digital technology in China since the "14th Five-Year Plan" has significantly transformed production, lifestyle, and social governance, providing accessible and beneficial digital services to more citizens [1][3]. Group 1: Digital Healthcare - The national internet hospitals have served over 100 million people, with over 1.2 billion users of the national medical insurance code, and direct settlement for cross-province medical services benefiting 560 million people [3][4]. - Digital social security has expanded, with 1.07 billion people using electronic social security cards, covering over 75% of the population, and cities like the Yangtze River Delta and Chengdu-Chongqing gradually achieving interconnected regional services [3][4]. Group 2: Digital Education - China has established the world's largest and most resource-rich national smart education platform, leading in both the number and application scale of massive open online courses (MOOCs), enabling access to quality courses [3][4]. Group 3: Digital Elderly Care - Positive progress has been made in digital elderly care services, with improvements in internet applications and services like "one-click access to human customer service," and the launch of a national elderly care service information platform to enhance resource matching [3][4]. Group 4: Digital Transformation in Various Sectors - The digital transformation completion rate for national 5A-level scenic spots has reached 100%, and community services have become more intelligent, with services like "one-click" assistance for the elderly [4]. - New digital consumption formats and products, such as instant retail, smart connected vehicles, and micro-short dramas, continue to emerge, unleashing new consumption potential [4]. Group 5: Future Directions - The National Data Bureau aims to leverage the amplifying, overlapping, and multiplying effects of data elements, focusing on enhancing public services, digital living, and the digital transformation of social governance to achieve more results in digital society construction [4].

Group 1 - The core viewpoint is that the application of digital technology in China has accelerated since the "14th Five-Year Plan," leading to significant changes in production, lifestyle, and social governance, benefiting more citizens with accessible digital services [1][2] - The national internet hospitals have served over 100 million people, with over 1.2 billion users of the national medical insurance code, and direct settlement for cross-province medical treatment benefiting 560 million people [1] - The digital social security system has expanded, with 1.07 billion people using electronic social security cards, covering over 75% of the population, and cities like the Yangtze River Delta and Chengdu-Chongqing gradually achieving interconnected regional services [1] Group 2 - The digital education sector has seen significant upgrades, establishing the world's largest and most resource-rich national smart education platform, with the largest number of massive open online courses (MOOCs) and their application scale [1] - Digital elderly care services have improved, with internet applications and "one-click" customer service enhancing service levels, and a national elderly care service information platform has been launched to efficiently connect supply and demand [1] - The completion rate of digital transformation for national 5A scenic spots has reached 100%, and community services have become more intelligent, with services like "one-click" elderly assistance being easily accessible [2]

Core Insights - The meeting held on July 31 in Suzhou focused on advancing digital social construction in Jiangsu province, emphasizing the importance of data development and security as articulated by General Secretary Xi Jinping [1] - Jiangsu has achieved significant results in key areas of digital society construction, moving towards a more equitable, intelligent, efficient, and eco-friendly digital landscape [1] - The province is leading the nation in urban digital transformation and has initiated major digital social scenarios and innovative consumption scenarios, with 150 exemplary cases identified for replication and promotion [1] - The ongoing initiative to empower various industries with artificial intelligence is being actively pursued [1] - Future plans for digital social construction in Jiangsu include deepening intelligent empowerment and advancing the digital society to new heights [1]

Group 1 - The core viewpoint of the news is that Suzhou is making significant progress in building a digital society, with various projects and initiatives being launched to enhance digital transformation and governance [1][2][3] - Suzhou has been recognized for its digital transformation efforts, with the "Suzhou International Data Port" being named a national model for city-wide digital transformation and the "Digital Painting of the Ancient City" being the only project from the province included in the first batch of typical cases for digital China construction [1] - The city has implemented a comprehensive approach to digital society construction, focusing on top-level design and mechanism guarantees, including quarterly AI application roadshows and the establishment of a unified public data foundation [1][2] Group 2 - Suzhou is advancing digital public services, with over 70 high-frequency government services being streamlined for efficiency, including initiatives for "no certificate required" and "fully online processing" [2] - The city is enhancing the convenience of digital life services, with the "Suzhou Zhoudao" platform being optimized and expanded, and digital RMB transactions leading the nation [2] - Through systematic digital construction, Suzhou is improving urban governance efficiency and providing tangible benefits to citizens, with plans for high-standard digital development and integration of AI and data elements [3]