Shenzhen Part 3: Establish the Global Financial Technology Center and foster the RMB digital industry ecosystem

On October 19, the China Financial Services and Financial Institutions Regulatory Authority in Shenzhen, the Shenzhen Central Branch of People's Financial Institutions of China and the Shenzhen Inspection Company The Financial Review issued "Guidelines for the promotion innovation in finance ”. Services ”(announced by the Shenzhen Banking and Insurance Regulatory Commission). [2021] Nr. 143).

“Thoughts” pointed to the creation of a global fintech hub. Improve the process of supporting the technology industry, in accordance with the "Fintech Development Plan (2019-2021)", improve the development of technology companies. Fully play the role of the national financial analysis technology platform and explore the development of financial technology and technological processes. Adhere to equity and innovation, focus on innovation in the use of technology, technology, technology and the use of events, adhere to industry standards Literacy such as the “Financial Technology Innovation Application Test Specification” and support financial innovation research. Encourage financial companies to partner with technology companies to develop smart products and services. Follow the “Shenzhen-Hong Kong-Macao Financial Advisor” program. Explore the fun and competitive financial markets of the entertainment industry to develop premium financial products.

“Thinking” calls for deep innovation in the digital renminbi application scenario. He will like the important digital renminbi process for Shenzhen and promote the digital renminbi ecosystem.

“Information” suggests that research on the use of financial technology in consumer credit, access to credit, risk management, and other connections may be beneficial for the efficiency of financial services. Work together to open the island's advertising company, eliminate financing between banks and businesses and ports, and establish a consolidation of the print financial services industry throughout the city. We regularly and regularly develop financial services programs. Explore the use of next-generation information to support financial development and develop financial products and services that benefit both farmers and communities.

The "sensitivity" calls for increased oversight of online financial services platforms. We develop the concept of “Financial Franchise Business License Required” and eliminate all illegal financial activities. We strongly encourage the creation of technology finance companies and strictly restrict financial activities that are technology services. Strictly separate the red lines that cannot be crossed, and implement comprehensive investment management and equity in financial institutions of the Internet business platform. Strengthen the involvement of bancassurance agencies and Internet platforms using autonomous management of financial activities, further standardize loans and shared loan services, and standardize Internet insurance and online microloans. Establish key organizational roles, recognize who gives and who manages them, oversee organizations to carefully select partners, conduct effective collaboration, clarify rights, responsibilities and risks for both parties, and build a reputation We carefully review the risks. . , to prevent the spread of external diseases.

“Thinking” takes effort to correct financial misconduct. We decide to remove and restrict organizations and activities that engage in financial activities without our consent. It does indeed play an important role in big data, intelligence and other technologies in the use of illegal money, the fight against money laundering and the fight against fraud. Continue to be the one stop shop for financial risk online and support the online lending industry.

“Thinking” calls for supporting research and technology for innovation in financial products. Banks and insurance companies need to establish an organizational, supportive and operational model to improve information technology and the transition to improved technology, make money and retain skills, information and knowledge. We benefit from new technologies such as cloud computing, big data, cloud computing, blockchain and biometrics to improve service quality, reduce service costs and strengthen business management performance. Work to improve the activity of mobile Internet terminals and seek the development of Internet financial services. Improve baseline network security, improve customer data security protection, and improve emergency response and disaster planning.

The “consideration” calls for strengthening legal protections and the interests of financial users and strengthening data security and consumer data protection.

The “Consideration” calls for strengthening Shenzhen-Hong Kong-Macao's involvement in green finance, financial technology, financial expertise and technical training.