Core Viewpoint - The Financial Regulatory Administration has released the "Implementation Plan for High-Quality Development of Digital Finance in the Banking and Insurance Industries," which emphasizes the integration of digital and intelligent transformation into key regulatory work, outlining major initiatives to enhance digital regulatory capabilities [1][3]. Group 1: Process Optimization - The plan aims to significantly enhance the digital and intelligent levels of key regulatory processes such as market access, off-site supervision, on-site inspections, and administrative penalties, leveraging data technology to maximize the value of data elements and support the construction of "five major regulatory" capabilities [1][3]. Group 2: Technological Empowerment - There will be an increased application of artificial intelligence and big data technologies, enriching the toolbox for penetrating supervision, improving the foresight of financial risk monitoring and early warning, and enhancing the ability to identify, warn, expose, and address risks early [1][3]. Group 3: Regulatory Big Data Construction - The plan includes the establishment of a unified standard, collection, and management of regulatory data through the "one table for all" approach, improving the completeness, accuracy, and timeliness of regulatory data; it also aims to diversify big data sources to strengthen risk monitoring and dynamically capture abnormal behaviors of market entities [1][3]. Group 4: Regulatory Infrastructure - The plan emphasizes the integration and strengthening of computing resources, optimization of network architecture, and establishment of security protection and intelligent operation and maintenance systems to provide a safe and reliable infrastructure for the digital and intelligent transformation of regulation [2][4]. Group 5: Talent System Support - The digital transformation of regulation requires a supporting talent system, focusing on cultivating composite talents who understand technology, data, and regulatory business, enhancing regulatory personnel's data modeling and analysis capabilities through systematic training, and building a talent team for intelligent regulation [2][4].

党的二十届四中全会对"十五五"时期加快建设金融强国提出明确要求，其中提到"全面加强金融监 管，强化央地监管协同，丰富风险处置资源和手段，构建风险防范化解体系，保障金融稳健运行"。 "十五五"时期，我国金融领域面临的风险挑战仍然复杂严峻，全面加强金融监管有助于确保金融体 系对各种风险冲击保持足够韧性。国家金融监督管理总局披露的最新数据显示，2025年三季度末，我国 银行业金融机构本外币资产总额已达474.3万亿元。要加快建设金融强国，切实增强金融整体实力、国 际竞争力和抗风险能力，必须全面提高金融监管能力，牢牢守住不发生系统性风险的底线。 加快补齐制度短板 2023年底召开的中央金融工作会议首次明确提出"全面加强金融监管"，要求切实提高金融监管有效 性，依法将所有金融活动全部纳入监管，全面强化机构监管、行为监管、功能监管、穿透式监管、持续 监管，消除监管空白和盲区，严格执法、敢于亮剑，严厉打击非法金融活动。 全面加强金融监管，必须有制度作为保障。11月28日，中国人民银行、金融监管总局、中国证监会 联合发布《金融机构客户尽职调查和客户身份资料及交易记录保存管理办法》（以下简称《管理办 法》），自2026年1月1 ...