（来源：经济日报） 转自：经济日报 中国人民银行等7部门联合印发的《推动数字金融高质量发展行动方案》提出，加快推进金融机构数字 化转型，提高金融服务的便利性和竞争力。实体经济是金融的根基，金融是实体经济的血脉。做好数字 金融大文章，加快金融业数字化转型，高质量服务数字经济和促进数实融合，对于建设金融强国、巩固 和拓展我国数字经济优势具有重要意义。 当前，数字技术与金融业加速融合，催生了数字金融新业态，成为提高金融服务便利性和竞争力的重要 抓手。据中关村互联网金融研究院发布的《2025中国金融科技竞争力报告》，2024年我国金融科技市场 规模3949.6亿元，同比增长9.7％。据各家银行披露的年报数据，6家国有大型商业银行2024年金融科技 投入1254亿元，同比增长2.15％，连续多年保持高位。数字技术的广泛应用对金融业产生深刻影响。在 金融产品层面，利用互联网、人工智能等技术对金融产品进行改造，实现产品的线上化、差异化、定制 化。中国互联网金融协会发布的数据显示，截至今年6月末，全国累计有836家机构的2664款移动金融 APP完成备案，大幅提高了金融服务的便利性。在金融机构层面，数字技术可用于对金融机构业 ...

Core Viewpoint - The self-regulatory inspection by the China Internet Finance Association revealed significant privacy and security issues in mobile financial apps operated by various banks, highlighting systemic shortcomings in the industry regarding data protection and user privacy [1][2][3]. Group 1: Inspection Findings - The self-regulatory inspection identified that many mobile financial apps have concentrated issues in three main categories: personal information protection, security protection, and data security [2][9]. - Notable problems include security vulnerabilities in identity authentication, where sensitive information like names and bank card numbers are not adequately protected, and the lack of real-time protective measures during payment password entry [9][11]. - Personal information protection issues include unauthorized collection and use of user data, excessive data collection beyond necessary limits, and failure to provide users with options to delete or correct their information [2][9]. Group 2: User Experiences - Users expressed frustration over the necessity to grant extensive permissions to access basic banking functions, feeling that their privacy is compromised [3][10]. - Concerns about personal data leakage were prevalent, with users reporting unsolicited marketing calls and a lack of transparency regarding how their information is used [10][11]. Group 3: Regulatory Response - The National Financial Regulatory Administration has issued guidelines emphasizing the need for banks to adhere to principles of clear notification and user consent when handling personal information, limiting data collection to what is necessary [10][11]. - A notification in September 2024 mandated financial institutions to establish personal information protection systems for mobile applications, requiring them to inform users about data collection purposes and provide complaint channels [10][11]. Group 4: Compliance Challenges - Small and medium-sized banks have been identified as frequent violators of privacy regulations, with nearly 20 banks cited for non-compliance in 2024 [11][12]. - The reasons for these compliance issues include a focus on data collection for traffic generation, inadequate awareness of compliance requirements, and the complexity of privacy policies that confuse users [11][12]. Group 5: Recommendations for Improvement - Experts suggest tailored compliance guidelines for small banks, increased regular inspections, and stricter penalties for violations [12]. - Recommendations also include embedding data security responsibilities within organizations, simplifying privacy policies for user understanding, and integrating security assessments into the initial product design phase [12].

Core Viewpoint - The People's Bank of China and six other departments have jointly issued an action plan to promote the high-quality development of digital finance, emphasizing the importance of digital transformation in financial institutions to enhance service convenience and competitiveness [1] Group 1: Digital Finance Development - The integration of digital technology and the financial industry is accelerating, leading to new digital finance business models that improve service convenience and competitiveness [2] - The financial technology market in China is projected to reach 394.96 billion yuan in 2024, with a year-on-year growth of 9.7% [2] - Major state-owned banks reported a financial technology investment of 125.4 billion yuan in 2024, reflecting a 2.15% increase year-on-year, maintaining a high investment level [2] Group 2: Financial Ecosystem and Infrastructure - As of June this year, 836 institutions have registered 2,664 mobile financial apps, significantly enhancing the convenience of financial services [2] - In 2024, banks processed 301.668 billion electronic payment transactions, amounting to 342.699 trillion yuan, with online payments accounting for 75.435 billion transactions worth 27.9832 trillion yuan, and mobile payments totaling 210.98 billion transactions worth 56.370 trillion yuan [2] Group 3: Challenges and Opportunities - Despite being a major financial power with the largest banking system and significant market shares in insurance, stocks, and bonds, there are still gaps in financial support for key areas like domestic demand expansion and innovation [3] - The application of digital technology in finance is uneven, with some small and medium-sized financial institutions facing challenges in funding and talent, leading to slow digital transformation [3] - Digital finance is crucial for supporting the integration of digital and real economies, and there is a need to enhance financial service quality and efficiency [3] Group 4: Strategic Recommendations - Promote deep integration of digital and real economies by increasing financial support in areas like original innovation and key technology innovation [4] - Encourage financial institutions to invest in technology and talent, utilizing digital technology to enhance financial products and services [4] - Optimize financial service supply to align with the demands of the digital economy, including the development of innovative financial products and services [4] - Uphold ethical principles in technology application, ensuring consumer rights are protected through ethical reviews of new technology developments [4]