中國(guo)人(ren)民(min)銀行3月23日(ri)消息，人(ren)民(min)銀行金融(rong)科(ke)技(ji)(ji)委員會(hui)日(ri)前召開會(hui)議強調，2022年要多措(cuo)并舉(ju)推動《金融(rong)科(ke)技(ji)(ji)（FinTech）發展(zhan)規(gui)劃（2022—2025年）》落地實施，高質量推進金融(rong)數字(zi)化轉型。建立健全金融(rong)科(ke)技(ji)(ji)倫理(li)監(jian)管框(kuang)架和制度(du)規(gui)范，深化運用(yong)金融(rong)科(ke)技(ji)(ji)創新監(jian)管工具。

　　會議研究部署了(le)2022年重點(dian)任(ren)(ren)務(wu)(wu)。一是扎實(shi)做(zuo)好(hao)新(xin)階段規(gui)劃(hua)政策的(de)宣傳(chuan)解讀(du)、落地實(shi)施、跟蹤(zong)監(jian)(jian)測和(he)(he)示范(fan)(fan)(fan)引(yin)導，開展金(jin)融(rong)(rong)(rong)數(shu)字(zi)(zi)(zi)化(hua)(hua)轉(zhuan)型(xing)提升(sheng)工程，構建金(jin)融(rong)(rong)(rong)數(shu)字(zi)(zi)(zi)化(hua)(hua)能力(li)(li)成熟(shu)度(du)(du)評估(gu)體(ti)系和(he)(he)優秀實(shi)踐案(an)例庫(ku)，強(qiang)(qiang)化(hua)(hua)國際(ji)合作與交流互(hu)鑒(jian)，推(tui)動(dong)金(jin)融(rong)(rong)(rong)數(shu)字(zi)(zi)(zi)化(hua)(hua)轉(zhuan)型(xing)從多點(dian)突破邁入(ru)(ru)深化(hua)(hua)發(fa)展新(xin)階段。二是建立健全金(jin)融(rong)(rong)(rong)科(ke)技(ji)(ji)倫(lun)理(li)監(jian)(jian)管框(kuang)架和(he)(he)制度(du)(du)規(gui)范(fan)(fan)(fan)，加強(qiang)(qiang)科(ke)技(ji)(ji)倫(lun)理(li)風險(xian)(xian)預(yu)警、跟蹤(zong)研判和(he)(he)敏捷(jie)治(zhi)理(li)，引(yin)導從業(ye)(ye)機構落實(shi)倫(lun)理(li)治(zhi)理(li)主體(ti)責(ze)任(ren)(ren)，用(yong)(yong)“負(fu)責(ze)任(ren)(ren)”的(de)科(ke)技(ji)(ji)創新(xin)打(da)造“有(you)溫度(du)(du)”的(de)金(jin)融(rong)(rong)(rong)服(fu)務(wu)(wu)，切(qie)實(shi)維護(hu)消費者合法權益、服(fu)務(wu)(wu)實(shi)體(ti)經(jing)濟。三是深化(hua)(hua)運用(yong)(yong)金(jin)融(rong)(rong)(rong)科(ke)技(ji)(ji)創新(xin)監(jian)(jian)管工具，強(qiang)(qiang)化(hua)(hua)商業(ye)(ye)銀行金(jin)融(rong)(rong)(rong)服(fu)務(wu)(wu)數(shu)字(zi)(zi)(zi)渠道管理(li)，研究建立智能算(suan)法信息披露、風險(xian)(xian)評估(gu)等規(gui)則機制，持續(xu)提升(sheng)監(jian)(jian)管統一性(xing)(xing)、專業(ye)(ye)性(xing)(xing)和(he)(he)穿透性(xing)(xing)。四(si)是深入(ru)(ru)實(shi)施金(jin)融(rong)(rong)(rong)科(ke)技(ji)(ji)賦能鄉(xiang)(xiang)村振興示范(fan)(fan)(fan)工程、金(jin)融(rong)(rong)(rong)數(shu)據(ju)綜合應用(yong)(yong)試(shi)點(dian)，合理(li)應用(yong)(yong)數(shu)字(zi)(zi)(zi)技(ji)(ji)術健全數(shu)字(zi)(zi)(zi)普惠金(jin)融(rong)(rong)(rong)服(fu)務(wu)(wu)體(ti)系，著力(li)(li)彌(mi)合群(qun)體(ti)間、機構間、城鄉(xiang)(xiang)間數(shu)字(zi)(zi)(zi)鴻溝。五(wu)是強(qiang)(qiang)化(hua)(hua)數(shu)字(zi)(zi)(zi)化(hua)(hua)監(jian)(jian)管能力(li)(li)建設(she)，健全金(jin)融(rong)(rong)(rong)科(ke)技(ji)(ji)風險(xian)(xian)庫(ku)、漏洞庫(ku)和(he)(he)案(an)例庫(ku)，運用(yong)(yong)監(jian)(jian)管科(ke)技(ji)(ji)手段著力(li)(li)提升(sheng)政策前(qian)瞻性(xing)(xing)、針對(dui)性(xing)(xing)和(he)(he)有(you)效(xiao)性(xing)(xing)。

　　“后(hou)續金(jin)融(rong)機構(gou)應制(zhi)定全方位數字化轉(zhuan)型戰略(lve)，推(tui)動金(jin)融(rong)科(ke)技深(shen)度應用，加快數字化轉(zhuan)型。同時(shi)，進一步發(fa)揮金(jin)融(rong)科(ke)技的(de)普(pu)惠服(fu)務價(jia)值(zhi)，在服(fu)務小微企業(ye)和個體(ti)工商戶(hu)、服(fu)務全面鄉村振(zhen)興中(zhong)發(fa)揮更突出的(de)作(zuo)用。”招聯金(jin)融(rong)首席研究員(yuan)董希淼稱。

　　就金(jin)融(rong)(rong)(rong)科(ke)(ke)(ke)技(ji)(ji)倫理(li)(li)(li)而言，證監(jian)會原(yuan)主席肖鋼日前(qian)表示(shi)，金(jin)融(rong)(rong)(rong)科(ke)(ke)(ke)技(ji)(ji)倫理(li)(li)(li)失范(fan)帶(dai)來的(de)危害是多(duo)方面的(de)，加快構建(jian)(jian)金(jin)融(rong)(rong)(rong)科(ke)(ke)(ke)技(ji)(ji)倫理(li)(li)(li)治(zhi)(zhi)理(li)(li)(li)體系已勢在必(bi)行(xing)(xing)。他建(jian)(jian)議，由人民銀(yin)行(xing)(xing)牽頭，組建(jian)(jian)全國(guo)性金(jin)融(rong)(rong)(rong)科(ke)(ke)(ke)技(ji)(ji)倫理(li)(li)(li)委員會，指導和(he)協調推動(dong)金(jin)融(rong)(rong)(rong)科(ke)(ke)(ke)技(ji)(ji)倫理(li)(li)(li)治(zhi)(zhi)理(li)(li)(li)體系建(jian)(jian)設；建(jian)(jian)立(li)倫理(li)(li)(li)審(shen)計(ji)制度(du)(du)與信息(xi)披露制度(du)(du)；鼓(gu)勵(li)有條(tiao)件的(de)機(ji)構進入金(jin)融(rong)(rong)(rong)科(ke)(ke)(ke)技(ji)(ji)創(chuang)新監(jian)管試點項(xiang)目(mu)庫，探索建(jian)(jian)立(li)“金(jin)融(rong)(rong)(rong)科(ke)(ke)(ke)技(ji)(ji)倫理(li)(li)(li)問題(ti)技(ji)(ji)術紓困”示(shi)范(fan)工(gong)程；鼓(gu)勵(li)規模(mo)較大、技(ji)(ji)術復(fu)雜的(de)金(jin)融(rong)(rong)(rong)機(ji)構設立(li)“首席倫理(li)(li)(li)官”。

　　2021年，人民銀(yin)行(xing)(xing)推動(dong)金(jin)融(rong)科(ke)(ke)(ke)技三年發(fa)展規劃圓滿(man)收官，顯(xian)著提(ti)升(sheng)(sheng)守正創(chuang)新(xin)(xin)能(neng)力和(he)(he)惠民利企水平(ping)。順(shun)利完(wan)成6部門10省市(shi)金(jin)融(rong)科(ke)(ke)(ke)技應用試點，深(shen)入開展數字化(hua)轉型伙伴行(xing)(xing)動(dong)，進一步健全無障(zhang)礙金(jin)融(rong)服務體系(xi)。全面實(shi)施金(jin)融(rong)科(ke)(ke)(ke)技創(chuang)新(xin)(xin)監(jian)(jian)(jian)管(guan)工(gong)具(ju)，實(shi)現(xian)人民銀(yin)行(xing)(xing)創(chuang)新(xin)(xin)監(jian)(jian)(jian)管(guan)工(gong)具(ju)與香港金(jin)管(guan)局監(jian)(jian)(jian)管(guan)沙盒聯網(wang)對接(jie)。出臺多項(xiang)監(jian)(jian)(jian)管(guan)規則規范，加強(qiang)網(wang)絡(luo)金(jin)融(rong)平(ping)臺監(jian)(jian)(jian)管(guan)，筑(zhu)牢金(jin)融(rong)科(ke)(ke)(ke)技風險防(fang)火(huo)墻。推動(dong)新(xin)(xin)一代金(jin)融(rong)信息(xi)基礎設施建(jian)設。深(shen)化(hua)監(jian)(jian)(jian)管(guan)科(ke)(ke)(ke)技在支(zhi)付(fu)清算、貨幣發(fa)行(xing)(xing)、會計核算、征信等領域應用，提(ti)升(sheng)(sheng)金(jin)融(rong)監(jian)(jian)(jian)管(guan)效能(neng)和(he)(he)風險技防(fang)能(neng)力。