【行業資訊】范一飛：加快健全適應數字經濟發展的現代金融體系

在近日召開的(de)(de)(de)第二屆(jie)外灘(tan)金(jin)(jin)(jin)融(rong)(rong)峰會(hui)上(shang)，中國人民(min)銀行副行長范一飛指出，在數(shu)字(zi)經(jing)濟蓬(peng)勃(bo)興起的(de)(de)(de)今天，數(shu)字(zi)技術潛能全面(mian)迸發(fa)，廣泛滲透(tou)到(dao)金(jin)(jin)(jin)融(rong)(rong)各領域，推動(dong)金(jin)(jin)(jin)融(rong)(rong)業態發(fa)生深(shen)刻變革(ge)，賦能金(jin)(jin)(jin)融(rong)(rong)數(shu)字(zi)化轉型(xing)邁入新階(jie)段，金(jin)(jin)(jin)融(rong)(rong)發(fa)展(zhan)迎來歷史機遇期。“作(zuo)為數(shu)字(zi)經(jing)濟的(de)(de)(de)重要(yao)組成(cheng)部分，數(shu)字(zi)金(jin)(jin)(jin)融(rong)(rong)是經(jing)濟高(gao)質量發(fa)展(zhan)的(de)(de)(de)內在需要(yao)，更是新時代(dai)賦予金(jin)(jin)(jin)融(rong)(rong)業的(de)(de)(de)光(guang)榮使命。”范一飛強(qiang)調，面(mian)向未來，要(yao)認(ren)真貫徹(che)落(luo)實(shi)黨中央、國務院(yuan)決策部署(shu)，加快健全適應數(shu)字(zi)經(jing)濟發(fa)展(zhan)的(de)(de)(de)現(xian)代(dai)金(jin)(jin)(jin)融(rong)(rong)體(ti)系(xi)，抓住數(shu)據這(zhe)一戰略性資(zi)源，科學合(he)理加以運(yun)用，為構建新發(fa)展(zhan)格局提供全方位、多(duo)層次(ci)的(de)(de)(de)金(jin)(jin)(jin)融(rong)(rong)支持。

范一(yi)飛具(ju)體(ti)提(ti)出，第一(yi)，推(tui)動(dong)數(shu)字(zi)(zi)金(jin)(jin)(jin)融(rong)(rong)扎根(gen)實體(ti)經(jing)(jing)濟(ji)(ji)。“實體(ti)經(jing)(jing)濟(ji)(ji)是(shi)數(shu)字(zi)(zi)金(jin)(jin)(jin)融(rong)(rong)發展的(de)(de)(de)沃(wo)土，數(shu)字(zi)(zi)金(jin)(jin)(jin)融(rong)(rong)只(zhi)有扎根(gen)實體(ti)經(jing)(jing)濟(ji)(ji)才(cai)有生(sheng)命力(li)與(yu)成(cheng)長(chang)性。”他表(biao)示，金(jin)(jin)(jin)融(rong)(rong)業(ye)(ye)(ye)(ye)要(yao)積極運用數(shu)字(zi)(zi)技(ji)術推(tui)動(dong)傳統金(jin)(jin)(jin)融(rong)(rong)變革(ge)與(yu)創新，打造“產(chan)(chan)(chan)(chan)業(ye)(ye)(ye)(ye)經(jing)(jing)濟(ji)(ji)+金(jin)(jin)(jin)融(rong)(rong)服務(wu)”的(de)(de)(de)數(shu)字(zi)(zi)化生(sheng)態閉環，全方位賦能實體(ti)經(jing)(jing)濟(ji)(ji)發展，不斷壯大新模式(shi)、新業(ye)(ye)(ye)(ye)態和(he)新產(chan)(chan)(chan)(chan)業(ye)(ye)(ye)(ye)。著力(li)解決信(xin)息不對(dui)稱問題(ti)，使產(chan)(chan)(chan)(chan)業(ye)(ye)(ye)(ye)鏈條透明化、企業(ye)(ye)(ye)(ye)底(di)層資產(chan)(chan)(chan)(chan)數(shu)字(zi)(zi)化，深挖(wa)小微企業(ye)(ye)(ye)(ye)信(xin)用價值，降低金(jin)(jin)(jin)融(rong)(rong)服務(wu)的(de)(de)(de)風(feng)險成(cheng)本，有效(xiao)增加(jia)(jia)面向實體(ti)經(jing)(jing)濟(ji)(ji)的(de)(de)(de)金(jin)(jin)(jin)融(rong)(rong)產(chan)(chan)(chan)(chan)品和(he)服務(wu)供(gong)給。通過(guo)數(shu)字(zi)(zi)技(ji)術實現審貸(dai)放貸(dai)自(zi)動(dong)化、批(pi)量化處理，提(ti)高(gao)信(xin)貸(dai)融(rong)(rong)資可(ke)得性和(he)智能化水平，引導資金(jin)(jin)(jin)從高(gao)污染、高(gao)能耗的(de)(de)(de)產(chan)(chan)(chan)(chan)能過(guo)剩行(xing)業(ye)(ye)(ye)(ye)流向高(gao)科(ke)技(ji)、高(gao)附(fu)加(jia)(jia)值的(de)(de)(de)新興(xing)產(chan)(chan)(chan)(chan)業(ye)(ye)(ye)(ye)，加(jia)(jia)速完善(shan)實體(ti)經(jing)(jing)濟(ji)(ji)產(chan)(chan)(chan)(chan)業(ye)(ye)(ye)(ye)生(sheng)態體(ti)系(xi)，做到金(jin)(jin)(jin)融(rong)(rong)活水對(dui)實體(ti)經(jing)(jing)濟(ji)(ji)的(de)(de)(de)精準滴灌。

第二，全(quan)面加快金(jin)(jin)融(rong)(rong)數(shu)(shu)(shu)(shu)(shu)字(zi)化(hua)轉型步伐(fa)。范一飛認為(wei)，數(shu)(shu)(shu)(shu)(shu)字(zi)化(hua)轉型是提升(sheng)金(jin)(jin)融(rong)(rong)服(fu)務質效(xiao)、補齊傳(chuan)統業(ye)務短板的(de)迫切需(xu)要(yao)(yao)(yao)，也是發(fa)展(zhan)數(shu)(shu)(shu)(shu)(shu)字(zi)金(jin)(jin)融(rong)(rong)、推動新(xin)舊動能轉換(huan)的(de)重要(yao)(yao)(yao)內(nei)(nei)容。金(jin)(jin)融(rong)(rong)業(ye)要(yao)(yao)(yao)將數(shu)(shu)(shu)(shu)(shu)字(zi)化(hua)轉型作為(wei)金(jin)(jin)融(rong)(rong)供給側結構(gou)(gou)(gou)性(xing)改革(ge)的(de)抓手，貫徹新(xin)發(fa)展(zhan)理(li)(li)(li)念(nian)、塑(su)造數(shu)(shu)(shu)(shu)(shu)字(zi)思維，結合(he)自(zi)身(shen)稟賦制定差(cha)異化(hua)、特色(se)化(hua)發(fa)展(zhan)戰略，構(gou)(gou)(gou)建適應(ying)數(shu)(shu)(shu)(shu)(shu)字(zi)化(hua)發(fa)展(zhan)的(de)體制機(ji)制。把(ba)握好新(xin)興技術(shu)優劣勢，揚長(chang)避短，統籌做好選型攻關、能力建設(she)和場景推廣工作，在風險可控(kong)前提下(xia)把(ba)數(shu)(shu)(shu)(shu)(shu)字(zi)元素(su)(su)注(zhu)入(ru)金(jin)(jin)融(rong)(rong)業(ye)務全(quan)流程、全(quan)領域。需(xu)要(yao)(yao)(yao)注(zhu)意的(de)是，金(jin)(jin)融(rong)(rong)機(ji)構(gou)(gou)(gou)要(yao)(yao)(yao)深化(hua)數(shu)(shu)(shu)(shu)(shu)據資源應(ying)用(yong)(yong)，充(chong)分(fen)發(fa)揮數(shu)(shu)(shu)(shu)(shu)據要(yao)(yao)(yao)素(su)(su)倍增作用(yong)(yong)。對內(nei)(nei)要(yao)(yao)(yao)加強內(nei)(nei)控(kong)管理(li)(li)(li)，將數(shu)(shu)(shu)(shu)(shu)據治理(li)(li)(li)納入(ru)企業(ye)中(zhong)長(chang)期(qi)發(fa)展(zhan)規劃，綜合(he)國家安(an)全(quan)、公眾(zhong)權益(yi)、個人(ren)隱私、企業(ye)合(he)法利益(yi)等因素(su)(su)做好數(shu)(shu)(shu)(shu)(shu)據分(fen)級，對不(bu)(bu)同(tong)數(shu)(shu)(shu)(shu)(shu)據進行分(fen)類施策；對外要(yao)(yao)(yao)理(li)(li)(li)清(qing)數(shu)(shu)(shu)(shu)(shu)據權屬關系，完(wan)善跨機(ji)構(gou)(gou)(gou)、跨領域數(shu)(shu)(shu)(shu)(shu)據融(rong)(rong)合(he)應(ying)用(yong)(yong)機(ji)制，實現(xian)(xian)數(shu)(shu)(shu)(shu)(shu)據規范共(gong)享和高效(xiao)應(ying)用(yong)(yong)。在數(shu)(shu)(shu)(shu)(shu)據安(an)全(quan)方面，要(yao)(yao)(yao)采用(yong)(yong)多方安(an)全(quan)計算、同(tong)態加密(mi)等技術(shu)實現(xian)(xian)關鍵(jian)信息(xi)脫(tuo)敏處(chu)理(li)(li)(li)、關聯(lian)信息(xi)分(fen)散(san)存(cun)儲、數(shu)(shu)(shu)(shu)(shu)據傳(chuan)輸端到端加密(mi)，確保數(shu)(shu)(shu)(shu)(shu)據可用(yong)(yong)不(bu)(bu)可見。有很(hen)多數(shu)(shu)(shu)(shu)(shu)據，歸根到底還是用(yong)(yong)戶的(de)。

第(di)三(san)，大力推動(dong)數字(zi)普(pu)惠(hui)金融(rong)發展(zhan)。范一飛認為，數字(zi)普(pu)惠(hui)金融(rong)在打贏(ying)脫貧(pin)攻堅戰、實現鄉村振興等(deng)方面具有(you)重要(yao)意義。金融(rong)業(ye)要(yao)加強數字(zi)普(pu)惠(hui)金融(rong)戰略(lve)規劃，推動(dong)相關(guan)法(fa)律制度(du)體(ti)系建設，加大科(ke)技(ji)(ji)(ji)創(chuang)新(xin)投(tou)入和(he)科(ke)技(ji)(ji)(ji)成果轉化力度(du)，堅持問題導向(xiang)和(he)需求導向(xiang)，借科(ke)技(ji)(ji)(ji)之翼(yi)打造包容共享、平(ping)等(deng)開(kai)放、持續(xu)發展(zhan)的數字(zi)普(pu)惠(hui)金融(rong)服務(wu)(wu)體(ti)系。尤其是(shi)針(zhen)對老年、貧(pin)困邊緣(yuan)等(deng)特殊群體(ti)的“數字(zi)鴻溝”問題，要(yao)推出大字(zi)版、語音版、簡潔(jie)版金融(rong)APP，優(you)化非接觸式服務(wu)(wu)體(ti)驗和(he)流程，提升金融(rong)產品的易用(yong)性與安全性，讓(rang)更多人共享科(ke)技(ji)(ji)(ji)發展(zhan)成果。積極普(pu)及金融(rong)與科(ke)技(ji)(ji)(ji)融(rong)合的基礎知(zhi)識(shi)(shi)，增強消費者(zhe)風險意識(shi)(shi)，推動(dong)將數字(zi)金融(rong)知(zhi)識(shi)(shi)納(na)入教育體(ti)系，實現普(pu)及工作抓早抓小，多措并舉提高(gao)百姓金融(rong)素養。

第四，統籌布局新(xin)(xin)(xin)基(ji)(ji)(ji)建(jian)(jian)金(jin)(jin)(jin)融(rong)(rong)工(gong)作(zuo)。“金(jin)(jin)(jin)融(rong)(rong)業既(ji)要高質量推(tui)進數(shu)字(zi)金(jin)(jin)(jin)融(rong)(rong)基(ji)(ji)(ji)礎設(she)施建(jian)(jian)設(she)，也(ye)要強化(hua)對新(xin)(xin)(xin)基(ji)(ji)(ji)建(jian)(jian)的金(jin)(jin)(jin)融(rong)(rong)支持，為全(quan)面做(zuo)好新(xin)(xin)(xin)基(ji)(ji)(ji)建(jian)(jian)工(gong)作(zuo)貢獻(xian)力量。”范一飛表(biao)示，在練內功方(fang)面，積(ji)極建(jian)(jian)設(she)設(she)施先進、信息廣(guang)聚(ju)、服務(wu)(wu)高效(xiao)的金(jin)(jin)(jin)融(rong)(rong)數(shu)據中(zhong)心，加快優化(hua)金(jin)(jin)(jin)融(rong)(rong)業災備布局體系，穩妥(tuo)推(tui)動(dong)傳(chuan)統技術(shu)架構(gou)向開放型、分(fen)布式方(fang)向轉(zhuan)型升級(ji)，為金(jin)(jin)(jin)融(rong)(rong)服務(wu)(wu)筑牢“數(shu)字(zi)底座”。在助產(chan)業方(fang)面，圍(wei)繞新(xin)(xin)(xin)基(ji)(ji)(ji)建(jian)(jian)資(zi)金(jin)(jin)(jin)需求優化(hua)信貸模式，通(tong)過(guo)債權股權、供應鏈金(jin)(jin)(jin)融(rong)(rong)、“融(rong)(rong)智+融(rong)(rong)資(zi)”等方(fang)式豐(feng)富資(zi)本(ben)市場(chang)工(gong)具，延伸服務(wu)(wu)新(xin)(xin)(xin)基(ji)(ji)(ji)建(jian)(jian)的業務(wu)(wu)鏈條，有效(xiao)撬動(dong)更多(duo)社會(hui)資(zi)本(ben)投向新(xin)(xin)(xin)基(ji)(ji)(ji)建(jian)(jian)。