隐私计算技术的金融应用思考

Reflection about Financial Applications of Privacy Computing Technology

在国家数据要素化战略和数据隐私保护要求并行的时代背景下,隐私计算技术作为实现数据安全融合的工具受到金融行业广泛关注,并已出现较多探索应用。然而,目前相关理论研究较少,同时行业对隐私计算技术缺乏系统性的梳理。本文先根据技术原理,对隐私计算技术进行了系统梳理,并从数据流通安全的角度对典型产品技术架构进行剖析。在此基础上,总结了金融行业的隐私计算技术应用现状,提出下阶段该技术大规模商业化应用的建议,为金融业更好发挥数据要素作用提供参考。

In the context of the parallel national data factorization strategy and data privacy protection requirements,privacy computing technology has received wide attention from the financial industry as a tool to achieve data security integration,and more exploration applications have emerged.However,there are relatively few relevant theoretical studies,while the industry lacks a systematic compendium of privacy computing technologies.In this paper,we first systematically sort out privacy computing technologies based on technical principles and analyze the technical architecture of typical products from the perspective of data flow security.On this basis,this paper summarizes the current situation of the application of privacy computing technology in the financial industry and puts forward suggestions for the next stage of large-scale commercial application of this technology,so as to provide reference for the financial industry to better play the role of data elements.