銀監會16日發布(bu)《銀行(xing)業(ye)金(jin)融機(ji)構數據(ju)治(zhi)理(li)指引(征求(qiu)意見稿)》,引導銀行(xing)業(ye)金(jin)融機(ji)構加強數據(ju)治(zhi)理(li),充分發揮(hui)數據(ju)價值,全面向高質量發展(zhan)轉(zhuan)變。
銀(yin)(yin)監會有關(guan)部(bu)(bu)門負責人表示,近年來銀(yin)(yin)行業金融(rong)機(ji)構(gou)在(zai)業務快速發展過程中,積累了客戶數(shu)據(ju)(ju)、交易數(shu)據(ju)(ju)、外部(bu)(bu)數(shu)據(ju)(ju)等海(hai)量(liang)(liang)數(shu)據(ju)(ju)。高質(zhi)量(liang)(liang)數(shu)據(ju)(ju)是提升(sheng)銀(yin)(yin)行經(jing)營(ying)管(guan)理效(xiao)率和監管(guan)效(xiao)能的重(zhong)要基礎。當(dang)前,銀(yin)(yin)行業金融(rong)機(ji)構(gou)數(shu)據(ju)(ju)質(zhi)量(liang)(liang)存在(zai)較多問(wen)(wen)題,主要表現(xian)為(wei)數(shu)據(ju)(ju)準確性和完整性欠缺,時效(xiao)性和適應性不足(zu)。從目前情(qing)況看,數(shu)據(ju)(ju)質(zhi)量(liang)(liang)問(wen)(wen)題一方(fang)面阻礙銀(yin)(yin)行業金融(rong)機(ji)構(gou)向高質(zhi)量(liang)(liang)方(fang)向發展,另一方(fang)面影響了監管(guan)效(xiao)率,數(shu)據(ju)(ju)治理亟待加強。
《指引》著重從五方面(mian)引領銀(yin)行(xing)(xing)(xing)業(ye)金(jin)融機構(gou)開(kai)展(zhan)數(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)治(zhi)(zhi)理(li)(li)(li)。一是要(yao)求(qiu)銀(yin)行(xing)(xing)(xing)業(ye)金(jin)融機構(gou)將(jiang)數(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)治(zhi)(zhi)理(li)(li)(li)納入公(gong)司(si)治(zhi)(zhi)理(li)(li)(li)范疇,并將(jiang)數(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)治(zhi)(zhi)理(li)(li)(li)情況與(yu)公(gong)司(si)治(zhi)(zhi)理(li)(li)(li)評價和監管評級掛鉤。二(er)是明確鼓勵(li)銀(yin)行(xing)(xing)(xing)業(ye)金(jin)融機構(gou)開(kai)展(zhan)制(zhi)度性(xing)探索,結(jie)合實際(ji)情況設置首席(xi)數(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)官。三(san)是明確要(yao)求(qiu)銀(yin)行(xing)(xing)(xing)業(ye)金(jin)融機構(gou)建(jian)立(li)良好數(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)文化(hua)(hua),樹(shu)立(li)數(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)是銀(yin)行(xing)(xing)(xing)重要(yao)資產和數(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)應真(zhen)實客觀的(de)理(li)(li)(li)念與(yu)準(zhun)則,強化(hua)(hua)用(yong)數(shu)(shu)意識,遵循依(yi)規(gui)用(yong)數(shu)(shu)、科(ke)學用(yong)數(shu)(shu)的(de)職(zhi)業(ye)操守。四是要(yao)求(qiu)銀(yin)行(xing)(xing)(xing)業(ye)金(jin)融機構(gou)加強數(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)應用(yong),發揮數(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)價值,實現數(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)驅動(dong)銀(yin)行(xing)(xing)(xing)發展(zhan),強調(diao)數(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)應當成(cheng)為經營管理(li)(li)(li)尤其是風險管理(li)(li)(li)的(de)重要(yao)依(yi)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)。五是要(yao)求(qiu)銀(yin)行(xing)(xing)(xing)業(ye)金(jin)融機構(gou)適應大數(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)時代需要(yao),強化(hua)(hua)數(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)安全意識,依(yi)法合規(gui)采集數(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju),防止過度采集、濫用(yong)數(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju),依(yi)法保護客戶隱私。
針對當前銀(yin)(yin)行(xing)業(ye)金融(rong)機(ji)(ji)(ji)構(gou)(gou)數(shu)據(ju)(ju)以及向監(jian)管(guan)(guan)機(ji)(ji)(ji)構(gou)(gou)報送(song)監(jian)管(guan)(guan)數(shu)據(ju)(ju)中存(cun)在(zai)的(de)主要問題,《指引》要求(qiu),一是(shi)建(jian)立(li)數(shu)據(ju)(ju)質量(liang)控制(zhi)(zhi)(zhi)機(ji)(ji)(ji)制(zhi)(zhi)(zhi),全(quan)面提(ti)高(gao)數(shu)據(ju)(ju)質量(liang)。二是(shi)強化銀(yin)(yin)行(xing)業(ye)金融(rong)機(ji)(ji)(ji)構(gou)(gou)對數(shu)據(ju)(ju)質量(liang)的(de)責任(ren)。明確由董(dong)事會承擔數(shu)據(ju)(ju)治(zhi)理(li)最終責任(ren),建(jian)立(li)和實施上至高(gao)管(guan)(guan)層(ceng)的(de)數(shu)據(ju)(ju)治(zhi)理(li)問責機(ji)(ji)(ji)制(zhi)(zhi)(zhi)。三是(shi)突出監(jian)管(guan)(guan)數(shu)據(ju)(ju)質量(liang)要求(qiu)。明確銀(yin)(yin)行(xing)業(ye)金融(rong)機(ji)(ji)(ji)構(gou)(gou)應將監(jian)管(guan)(guan)數(shu)據(ju)(ju)納入數(shu)據(ju)(ju)治(zhi)理(li),確保監(jian)管(guan)(guan)數(shu)據(ju)(ju)相關工作有效組織(zhi)開展,建(jian)立(li)監(jian)管(guan)(guan)數(shu)據(ju)(ju)質量(liang)管(guan)(guan)控制(zhi)(zhi)(zhi)度,持續提(ti)升監(jian)管(guan)(guan)數(shu)據(ju)(ju)質量(liang)。
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Copyright 2001-2018 China Securities Journal. All Rights Reserved