What are the guiding ideology, basic principles and key tasks of developing financial technology in China at present?

On September 6, 20 19, the People's Bank of China issued the document FinTech Development Plan (20 19-202 1).

1. Guiding ideology: The plan points out that financial technology is a technology-driven financial innovation. Under the guidance of Socialism with Chinese characteristics Thought in the new era, the financial industry should fully implement the spirit of the 19th National Congress of the Communist Party of China, adhere to the basic principles of "honesty and innovation, safety and controllability, benefiting people's livelihood and opening up to win", give full play to the enabling role of financial technology, and promote the high-quality development of China's financial industry.

2. Basic principles: The plan proposes to establish and improve the "four pillars and eight pillars" of China's financial science and technology development by 20021,further enhance the application ability of financial science and technology, realize the deep integration and coordinated development of finance and technology, obviously improve people's satisfaction with digital, networked and intelligent financial products and services, promote China's financial science and technology development to the international leading level, and realize the advanced and controllable application of financial science and technology and steady financial service ability.

3. Key tasks of developing financial technology in China at present

① Strengthen the strategic deployment of financial technology, strengthen the top-level design from a long-term perspective, grasp the development trend of financial technology, and do a good job in overall planning, institutional mechanism optimization, and talent team building.

② Strengthen the rational application of financial technology, drive the overall development with key breakthroughs, standardize the selection of key technologies, capacity building, application scenarios and safety control, comprehensively improve the application level of financial technology, and make financial technology a "new engine" for high-quality financial development.

(3) Empowering financial services to improve quality and efficiency, rationally using financial technology to enrich service channels, improving product supply, reducing service costs, optimizing financing services, improving the quality and efficiency of financial services, making financial technology innovation better benefit people's livelihood and promoting the healthy and sustainable development of the real economy.

④ Enhance the ability to prevent and control financial risks, correctly handle the relationship between security and development, use financial technology to improve the ability to identify, warn and dispose of cross-market, cross-industry and cross-regional financial risks, strengthen the management and control of network security risks and the protection of financial information, do a good job in preventing the application risks of new technologies, and resolutely hold the bottom line that no systematic financial risks will occur.

⑤ Strengthen the supervision of financial science and technology, establish and improve the basic rules system of supervision, speed up the drafting, monitoring, analysis and evaluation of the basic rules of supervision, explore the innovative management mechanism of financial science and technology, serve the comprehensive statistics of the financial industry, and enhance the professionalism, unity and permeability of financial supervision.

⑥ Consolidate the basic support of financial technology, constantly improve the industrial ecology of financial technology, optimize the industrial governance system, and support the healthy and orderly development of financial technology from the aspects of technical research, legal construction, credit service, standards and norms, and consumer protection.