Core Insights - The report highlights the significant evolution of financial institutions from informatization to digitalization and then to intelligentization, emphasizing the importance of deep data utilization and integration of intelligent technologies in enhancing service to the real economy and managing financial risks [1][2] Group 1: Financial Technology Development - The year 2025 marks the conclusion of the "Financial Technology Development Plan (2022-2025)", showcasing a historic leap in quality as financial institutions focus on data utilization and intelligent technology integration [1] - Financial technology innovation regulatory tools have played a crucial role in implementing inclusive and prudent regulatory models, enhancing the safety and convenience of financial products and services [1] Group 2: Regulatory Tools and Applications - As of September 2025, over 430 innovative applications of financial technology regulatory tools have been launched, with 200 innovations completed in testing [1] - The establishment of the Financial Technology Risk Monitoring Center in Beijing aims to strengthen macro-prudential management and micro-prudential regulation, enhancing risk monitoring and assessment capabilities for emerging financial technologies [2]