银行业信息科技的新特征和新风险

New Features and New Risks of Banking Information Technology

新兴技术驱动金融业务持续创新,也同时为监管技术工具、监管能力升级带来了新的动力。未来的监管,会更多利用大数据、运用新技术提高监管的自动化和智能化水平,创新监管工具,提升监管数字化水平,更加有效地识别、监测风险。新一轮科技革命推动银行业向移动化、数字化和智能化加速发展。

Li Dan,Deputy Director of the Statistical Information and Risk Monitoring Department of the China Banking Insurance Regulatory Commission,pointed out that the new round of scientific and technological revolution had led the banking industry towards accelerated mobilization,digitization and greater intelligence.The development of fintech has profoundly changed financial concepts and service model and brought about new risks and challenges in the mean time.It is necessary to actively explore and innovate,cooperate with each other,innovate mechanisms,build platfor ms,build an innovative cooperation ecosystem,and enhance the innovation,supply and service capabilities of fintech.The future regulation will make more use of big data and new technologies to improve the automation and intelligence level of regulation,innovate regulation tools,and enhance the level of digitization to identify and monitor risks more effectively.