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央行李伟:借助区块链等技术探索金融科技创新监管工具试点|李伟_新浪财经_新浪网

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央行李伟:借助区块链等技术探索金融科技创新监管工具试点|李伟_新浪财经_新浪网

  6月19日,中国人民银行科技司司长李伟在第12届陆家嘴论坛上表示,央行支持上海建设金融科技中心,希望上海能够利用大数据、区块链等技术加强数据管控,提升风险防控能力和水平。

  李伟指出,人民银行高度重视金融科技创新监管,而上海具备完整的金融科技产业链条,人民银行愿意搭建平台来支持上海等地探索金融科技创新监管工具试点。

  据李伟透露,此次疫情加速了金融数字化转型,目前人民银行正在研究编制金融科技发展规划实施案例和指引,构建发展检测指标体系,为行业发展提供支撑。

  据经济参考报报道,李伟曾提出金融数字化转型的四大发力点:

  第一,数据融合应用是金融高质量发展的竞争制高点。数据是数字经济时代的基础战略性资源,充分发挥数据价值是金融科技应用的重中之重,也是助推金融高质量发展的关键。有的机构着力推进数据治理与融合应用,破除“数据壁垒”和“信息烟囱”,将数据应用嵌入业务经营、风险管理和内部控制全流程,在确保信息安全前提下,依托海量数据资源为用户提供“千人千面”的高质量金融服务。可以说,金融发展质效在一定程度上取决于金融机构“想不想用”“会不会用”“擅不擅长用”数据。

  第二,快速交付能力是实现市场竞争突围的关键因素。金融科技背景下,“不创新会被淘汰、创新慢等于落后”成为共识。有的机构为适应日新月异的金融服务需求,借助敏捷开发、灰度发布、开发运维一体化等手段,快速推出新型产品与服务(如疫情期间的健康码产品),迅速占据市场、实现竞争突围,展现出强大竞争力。相反,有的机构在别人努力开辟市场时,躺在原有舒适区安于现状、裹足不前,最终陷入“不进则退、慢进亦退”的困局。

  第三,包容审慎的试错容错机制是护航金融科技创新的重要保障。金融科技创新在一定程度上是向未知领域探索,风险具有较高突发性和不可预测性,平衡创新与安全的关系不能简单套用传统方法。此次试点在事前制定应急退出机制,采用风险拨备资金、保险计划等措施,建立多层次、立体化风控体系,打造刚柔并济、富有弹性的沙盒机制。实践证明,这些做法为金融科技创新划定刚性底线、设置柔性边界、留足发展空间,既有利于保障金融安全,也有利于释放创新活力。

  第四,服务智能化是破解普惠金融瓶颈的有力手段。近几年线上金融发展势头强劲,数据显示2019年银行业金融机构离柜率总体超过85%。但囿于年龄层次、文化程度、健康状况、基础设施等因素,中老年人、残障人士、边远地区居民、受教育程度较低群体是线上金融服务盲区。对此,有的机构运用新一代人工智能手段,推出“看懂图像、听懂语言、读懂文字”的智慧金融产品,大幅降低服务门槛,显著提升服务覆盖率、可得性和满意度。这启示我们,服务智能化是弥合区域间、人群间“数字鸿沟”的有力手段,既能为客户提供精细化、个性化的金融服务,也能提升金融机构获客、留客、活客水平,对突破普惠金融瓶颈具有重要意义。

央行李伟:借助区块链等技术探索金融科技创新监管工具试点|李伟_新浪财经_新浪网
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