金融数据治理的突出困境与创新策略

Prominent Dilemma and Innovation Strategy of Financial Data Governance

在数字经济蓬勃发展的当下,金融数据正颠覆传统,为经济高质量发展提供强大驱动力。如何有效提升金融数据治理能力,已成为金融业持续健康发展的核心议题。基于此,本文在阐述金融数据治理缘起与必要性基础上,对国内金融机构开展金融数据治理的实践情况进行论述,梳理并总结美联储、巴塞尔委员会、澳大利亚银行等机构进行金融数据治理的成功经验。针对风险错配突出、数据共享程度低、数据质量不高等现实困境,我国应从筑牢数据治理安全底线,推进金融数据共享,强化数据质量管控,提升数据治理能力等方面入手,促进数据安全和数据价值增值之间的平衡。

At the time when the digital economy is booming,financial data is subverting the tradition and providing a strong driving force high-quality economic development.How to effectively improve the ability of financial data governance has become the core issue for the sustainable and healthy development of the financial industry.Based on this,this paper expounds the origin and necessity of financial data governance,and discusses the practice of financial data governance of domestic financial institutions,combs and summarizes the successful experience of financial data governance of the Federal Reserve,Basel Committee,Australian Bank and other institutions.In view of the practical difficulties of prominent risk mismatch,low degree of data sharing and low data quality,China should start with a firm bottom line of data governance security,promote financial data sharing,strengthen data quality control,and improve data governance capabilities to promote the balance between data security and data value appreciation.