近日，中國人民銀行(xing)印發(fa)(fa)《金融(rong)科(ke)技(ji)（FinTech）發(fa)(fa)展規(gui)劃（2019-2021年）》（以下簡稱《規(gui)劃》），明確提出未來三年金融(rong)科(ke)技(ji)工(gong)作的指導思(si)想、基本原則、發(fa)(fa)展目(mu)標、重點任(ren)務和保障(zhang)措施。

　　《規劃》指出，金(jin)(jin)融(rong)科技(ji)是技(ji)術驅動的(de)金(jin)(jin)融(rong)創(chuang)(chuang)新。金(jin)(jin)融(rong)業要(yao)以習近平新時代中(zhong)國(guo)特色社會主義思想(xiang)為指導(dao)，全(quan)面貫徹黨的(de)十九大精神，按(an)照全(quan)國(guo)金(jin)(jin)融(rong)工作會議要(yao)求，秉持“守正創(chuang)(chuang)新、安(an)全(quan)可控、普惠民生、開放共贏(ying)”的(de)基本原則(ze)，充分發揮金(jin)(jin)融(rong)科技(ji)賦能(neng)作用(yong)，推動我國(guo)金(jin)(jin)融(rong)業高(gao)質量發展。

　　《規劃》提(ti)出，到(dao)2021年，建立健全我國金(jin)(jin)(jin)融(rong)(rong)科(ke)技(ji)(ji)(ji)發(fa)展(zhan)的“四梁八柱”，進一步(bu)增強(qiang)金(jin)(jin)(jin)融(rong)(rong)業科(ke)技(ji)(ji)(ji)應(ying)用能力，實(shi)現(xian)金(jin)(jin)(jin)融(rong)(rong)與科(ke)技(ji)(ji)(ji)深度融(rong)(rong)合、協調發(fa)展(zhan)，明顯增強(qiang)人民群眾(zhong)對數字化、網(wang)絡化、智能化金(jin)(jin)(jin)融(rong)(rong)產品和服(fu)務的滿意度，推(tui)動我國金(jin)(jin)(jin)融(rong)(rong)科(ke)技(ji)(ji)(ji)發(fa)展(zhan)居(ju)于國際(ji)領先水平，實(shi)現(xian)金(jin)(jin)(jin)融(rong)(rong)科(ke)技(ji)(ji)(ji)應(ying)用先進可控、金(jin)(jin)(jin)融(rong)(rong)服(fu)務能力穩步(bu)增強(qiang)、金(jin)(jin)(jin)融(rong)(rong)風控水平明顯提(ti)高、金(jin)(jin)(jin)融(rong)(rong)監(jian)管效能持續提(ti)升、金(jin)(jin)(jin)融(rong)(rong)科(ke)技(ji)(ji)(ji)支(zhi)撐不斷完(wan)善、金(jin)(jin)(jin)融(rong)(rong)科(ke)技(ji)(ji)(ji)產業繁榮發(fa)展(zhan)。

　　《規(gui)(gui)劃(hua)》確定了(le)六(liu)方面(mian)重(zhong)點(dian)任務(wu)。一(yi)是(shi)加(jia)強金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)科(ke)技(ji)(ji)(ji)(ji)戰(zhan)略(lve)部署，從長遠視角加(jia)強頂(ding)層設(she)計，把握(wo)金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)科(ke)技(ji)(ji)(ji)(ji)發(fa)(fa)展態勢，做好統(tong)籌規(gui)(gui)劃(hua)、體(ti)制機制優化(hua)、人才隊伍(wu)建設(she)等工作(zuo)。二是(shi)強化(hua)金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)科(ke)技(ji)(ji)(ji)(ji)合(he)(he)理(li)應(ying)用(yong)，以重(zhong)點(dian)突破帶動(dong)全(quan)(quan)局發(fa)(fa)展，規(gui)(gui)范關鍵共性(xing)(xing)技(ji)(ji)(ji)(ji)術(shu)的選型、能力建設(she)、應(ying)用(yong)場(chang)景(jing)以及(ji)安(an)全(quan)(quan)管(guan)控，全(quan)(quan)面(mian)提(ti)(ti)升(sheng)(sheng)金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)科(ke)技(ji)(ji)(ji)(ji)應(ying)用(yong)水平，將金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)科(ke)技(ji)(ji)(ji)(ji)打(da)造成(cheng)為金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)高質量發(fa)(fa)展的“新引擎(qing)”。三(san)是(shi)賦(fu)能金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)服(fu)務(wu)提(ti)(ti)質增(zeng)效，合(he)(he)理(li)運用(yong)金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)科(ke)技(ji)(ji)(ji)(ji)手段豐富(fu)服(fu)務(wu)渠道、完善產品(pin)供給、降低服(fu)務(wu)成(cheng)本(ben)、優化(hua)融(rong)(rong)(rong)(rong)(rong)資(zi)服(fu)務(wu)，提(ti)(ti)升(sheng)(sheng)金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)服(fu)務(wu)質量與(yu)(yu)效率(lv)，使金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)科(ke)技(ji)(ji)(ji)(ji)創新成(cheng)果更好地惠(hui)及(ji)百姓民生，推動(dong)實體(ti)經濟健康可持續發(fa)(fa)展。四是(shi)增(zeng)強金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)風(feng)(feng)險技(ji)(ji)(ji)(ji)防能力，正(zheng)確處(chu)(chu)理(li)安(an)全(quan)(quan)與(yu)(yu)發(fa)(fa)展的關系(xi)(xi)，運用(yong)金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)科(ke)技(ji)(ji)(ji)(ji)提(ti)(ti)升(sheng)(sheng)跨(kua)(kua)市場(chang)、跨(kua)(kua)業(ye)態、跨(kua)(kua)區域金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)風(feng)(feng)險的識別、預警(jing)和(he)處(chu)(chu)置(zhi)能力，加(jia)強網絡(luo)安(an)全(quan)(quan)風(feng)(feng)險管(guan)控和(he)金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)信息保(bao)護(hu)，做好新技(ji)(ji)(ji)(ji)術(shu)應(ying)用(yong)風(feng)(feng)險防范，堅(jian)決守住不發(fa)(fa)生系(xi)(xi)統(tong)性(xing)(xing)金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)風(feng)(feng)險的底線。五是(shi)強化(hua)金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)科(ke)技(ji)(ji)(ji)(ji)監(jian)管(guan)，建立健全(quan)(quan)監(jian)管(guan)基本(ben)規(gui)(gui)則(ze)體(ti)系(xi)(xi)，加(jia)快推進(jin)監(jian)管(guan)基本(ben)規(gui)(gui)則(ze)擬訂、監(jian)測分析和(he)評估工作(zuo)，探索金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)科(ke)技(ji)(ji)(ji)(ji)創新管(guan)理(li)機制，服(fu)務(wu)金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)業(ye)綜合(he)(he)統(tong)計，增(zeng)強金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)監(jian)管(guan)的專業(ye)性(xing)(xing)、統(tong)一(yi)性(xing)(xing)和(he)穿(chuan)透性(xing)(xing)。六(liu)是(shi)夯實金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)科(ke)技(ji)(ji)(ji)(ji)基礎支撐，持續完善金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)科(ke)技(ji)(ji)(ji)(ji)產業(ye)生態，優化(hua)產業(ye)治(zhi)理(li)體(ti)系(xi)(xi)，從技(ji)(ji)(ji)(ji)術(shu)攻(gong)關、法規(gui)(gui)建設(she)、信用(yong)服(fu)務(wu)、標準規(gui)(gui)范、消(xiao)費者保(bao)護(hu)等方面(mian)支撐金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)科(ke)技(ji)(ji)(ji)(ji)健康有序發(fa)(fa)展。

（來源：人民(min)銀(yin)行）