中國人民銀行(xing)1月4日(ri)消息，近(jin)日(ri)，央(yang)行(xing)印發《金融科技發展規劃（2022-2025年）》。《規劃》提(ti)出，加(jia)快監(jian)(jian)管科技的全方位應用(yong)，強(qiang)化(hua)數字化(hua)監(jian)(jian)管能(neng)力(li)建(jian)設(she)，對金融科技創新實(shi)施穿(chuan)透式監(jian)(jian)管，筑牢金融與科技的風險防火墻。

　　《規劃(hua)(hua)》依(yi)據《中華(hua)人(ren)民(min)(min)共和國(guo)國(guo)民(min)(min)經濟和社會發展第十四個(ge)五年(nian)規劃(hua)(hua)和2035年(nian)遠景(jing)目標綱(gang)要》制定(ding)，提出(chu)新時期金(jin)融科技發展指導意見，明確金(jin)融數字化轉型的總(zong)體思(si)路(lu)、發展目標、重(zhong)點任務(wu)和實施保(bao)障。

　　《規(gui)劃(hua)》強調(diao)，堅持創新(xin)驅(qu)動發展，堅守(shou)為民初心、切實履行服務(wu)實體(ti)經濟使命，高質量推(tui)進金融(rong)數(shu)字化轉型，健全適應數(shu)字經濟發展的現代金融(rong)體(ti)系，為構建新(xin)發展格局、實現共同(tong)富裕貢獻金融(rong)力量。 

　　《規劃》指出，要(yao)(yao)堅持(chi)“數(shu)(shu)字(zi)(zi)驅(qu)動(dong)(dong)、智慧(hui)為(wei)民、綠色低碳、公平(ping)普惠”的發展原則，以加強金(jin)(jin)(jin)融數(shu)(shu)據(ju)要(yao)(yao)素應用為(wei)基礎，以深(shen)化金(jin)(jin)(jin)融供給側結構性改(gai)革為(wei)目標，以加快(kuai)金(jin)(jin)(jin)融機(ji)構數(shu)(shu)字(zi)(zi)化轉型、強化金(jin)(jin)(jin)融科(ke)技(ji)(ji)(ji)審慎(shen)監(jian)管為(wei)主線，將數(shu)(shu)字(zi)(zi)元(yuan)素注入金(jin)(jin)(jin)融服(fu)務全(quan)流程，將數(shu)(shu)字(zi)(zi)思(si)維貫穿業務運營全(quan)鏈(lian)條(tiao)，注重金(jin)(jin)(jin)融創新的科(ke)技(ji)(ji)(ji)驅(qu)動(dong)(dong)和數(shu)(shu)據(ju)賦(fu)能，推(tui)動(dong)(dong)我國金(jin)(jin)(jin)融科(ke)技(ji)(ji)(ji)從“立柱架梁”全(quan)面邁入“積(ji)厚成勢”新階段(duan)，力爭(zheng)到2025年實現整體(ti)水平(ping)與核心競(jing)爭(zheng)力跨越式提升。 

　　《規(gui)劃》提出八(ba)個方(fang)面的(de)重(zhong)點任務(wu)。一是強(qiang)化金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)科(ke)(ke)技(ji)(ji)(ji)(ji)治理，全(quan)(quan)面塑造數字(zi)化能(neng)力(li)(li)，健(jian)全(quan)(quan)多方(fang)參(can)與(yu)、協同共(gong)治的(de)金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)科(ke)(ke)技(ji)(ji)(ji)(ji)倫(lun)理規(gui)范體系(xi)(xi)，構建(jian)(jian)互促共(gong)進的(de)數字(zi)生態。二是全(quan)(quan)面加(jia)強(qiang)數據(ju)能(neng)力(li)(li)建(jian)(jian)設(she)，在(zai)保(bao)障(zhang)安(an)全(quan)(quan)和隱私(si)前提下推動(dong)數據(ju)有序共(gong)享與(yu)綜(zong)合應用(yong)，充(chong)分激(ji)活(huo)(huo)數據(ju)要(yao)素潛能(neng)，有力(li)(li)提升金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)服(fu)務(wu)質效(xiao)。三是建(jian)(jian)設(she)綠(lv)色(se)高可用(yong)數據(ju)中(zhong)心，架設(she)安(an)全(quan)(quan)泛在(zai)的(de)金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)網(wang)絡，布(bu)局先進高效(xiao)的(de)算力(li)(li)體系(xi)(xi)，進一步夯實金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)創新(xin)發展的(de)“數字(zi)底座”。四是深(shen)化數字(zi)技(ji)(ji)(ji)(ji)術(shu)金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)應用(yong)，健(jian)全(quan)(quan)安(an)全(quan)(quan)與(yu)效(xiao)率并重(zhong)的(de)科(ke)(ke)技(ji)(ji)(ji)(ji)成果應用(yong)體制(zhi)機制(zhi)，不斷壯大開放(fang)創新(xin)、合作共(gong)贏的(de)產業生態，打通科(ke)(ke)技(ji)(ji)(ji)(ji)成果轉化“最后一公里”。五是健(jian)全(quan)(quan)安(an)全(quan)(quan)高效(xiao)的(de)金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)科(ke)(ke)技(ji)(ji)(ji)(ji)創新(xin)體系(xi)(xi)，搭建(jian)(jian)業務(wu)、技(ji)(ji)(ji)(ji)術(shu)、數據(ju)融(rong)(rong)(rong)(rong)合聯動(dong)的(de)一體化運營(ying)中(zhong)臺，建(jian)(jian)立智能(neng)化風(feng)控機制(zhi)，全(quan)(quan)面激(ji)活(huo)(huo)數字(zi)化經營(ying)新(xin)動(dong)能(neng)。六是深(shen)化金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)服(fu)務(wu)智慧再(zai)造，搭建(jian)(jian)多元融(rong)(rong)(rong)(rong)通的(de)服(fu)務(wu)渠道，著力(li)(li)打造無(wu)障(zhang)礙服(fu)務(wu)體系(xi)(xi)，為人(ren)(ren)民群(qun)眾提供更加(jia)普惠(hui)、綠(lv)色(se)、人(ren)(ren)性化的(de)數字(zi)金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)服(fu)務(wu)。七是加(jia)快監(jian)管(guan)科(ke)(ke)技(ji)(ji)(ji)(ji)的(de)全(quan)(quan)方(fang)位應用(yong)，強(qiang)化數字(zi)化監(jian)管(guan)能(neng)力(li)(li)建(jian)(jian)設(she)，對(dui)金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)科(ke)(ke)技(ji)(ji)(ji)(ji)創新(xin)實施穿(chuan)透式監(jian)管(guan)，筑牢金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)與(yu)科(ke)(ke)技(ji)(ji)(ji)(ji)的(de)風(feng)險防火(huo)墻(qiang)。八(ba)是扎實做好金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)科(ke)(ke)技(ji)(ji)(ji)(ji)人(ren)(ren)才(cai)培養(yang)，持續(xu)推動(dong)標準規(gui)則(ze)體系(xi)(xi)建(jian)(jian)設(she)，強(qiang)化法(fa)律法(fa)規(gui)制(zhi)度執行，護航金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)科(ke)(ke)技(ji)(ji)(ji)(ji)行穩致遠。

　　復(fu)旦大學金(jin)(jin)融(rong)研(yan)究院(yuan)兼(jian)職研(yan)究員董希(xi)淼(miao)表示，《規劃》重在(zai)解決金(jin)(jin)融(rong)科(ke)技發(fa)展(zhan)不平衡不充(chong)分等問題，推動金(jin)(jin)融(rong)科(ke)技健全(quan)治理體系，完善數字(zi)基礎設施，促進金(jin)(jin)融(rong)與科(ke)技更深度(du)融(rong)合、更持續(xu)發(fa)展(zhan)，更好(hao)地滿足(zu)數字(zi)經濟(ji)時代提出的新要求、新任務。

　　董希淼表示，下一(yi)(yi)步，在《規劃》頂層(ceng)設計下，金融(rong)(rong)(rong)管(guan)理(li)部(bu)門應(ying)進(jin)一(yi)(yi)步完(wan)善相(xiang)關的配套(tao)細則，金融(rong)(rong)(rong)機構應(ying)制定全(quan)(quan)方位(wei)數(shu)字化(hua)轉型戰略，推動(dong)金融(rong)(rong)(rong)科技(ji)深度應(ying)用(yong)，加快(kuai)數(shu)字化(hua)轉型。在發展金融(rong)(rong)(rong)科技(ji)的過程中，需(xu)要格外關注公平(ping)性和均衡性。如進(jin)一(yi)(yi)步擴(kuo)大金融(rong)(rong)(rong)科技(ji)創新(xin)監管(guan)試(shi)點范圍，更(geng)(geng)加關注“數(shu)字鴻溝(gou)”和競(jing)爭(zheng)失衡問(wen)題，強化(hua)反壟斷和防止資(zi)本無序(xu)擴(kuo)張(zhang)，推動(dong)金融(rong)(rong)(rong)科技(ji)領域(yu)互(hu)聯互(hu)通(tong)。同時(shi)，進(jin)一(yi)(yi)步發揮(hui)金融(rong)(rong)(rong)科技(ji)的普惠服務價值，在服務小微(wei)企業和個體工商戶、服務全(quan)(quan)面鄉村(cun)振(zhen)興中發揮(hui)更(geng)(geng)突出(chu)的作用(yong)。