近日(ri)，中(zhong)國人民(min)銀行印發《金(jin)融(rong)科技(ji)（FinTech）發展規劃（2019-2021年）》（以下簡稱《規劃》），明確提出未(wei)來三年金(jin)融(rong)科技(ji)工作的指導思想(xiang)、基本原則、發展目標、重(zhong)點任(ren)務和(he)保(bao)障措(cuo)施。

　　《規劃》指(zhi)出，金(jin)融科技(ji)是(shi)技(ji)術(shu)驅動的(de)金(jin)融創(chuang)新(xin)。金(jin)融業要(yao)以習近平新(xin)時代中國(guo)(guo)(guo)特色社(she)會主義(yi)思想為指(zhi)導，全(quan)面貫(guan)徹黨的(de)十(shi)九(jiu)大精神，按照全(quan)國(guo)(guo)(guo)金(jin)融工作會議要(yao)求，秉持(chi)“守正創(chuang)新(xin)、安(an)全(quan)可控(kong)、普惠民生、開(kai)放共贏”的(de)基本原則，充分發揮金(jin)融科技(ji)賦能作用，推動我國(guo)(guo)(guo)金(jin)融業高質量發展(zhan)。

　　《規劃》提出(chu)，到2021年，建立健(jian)全(quan)我國(guo)金(jin)(jin)(jin)融(rong)(rong)(rong)科(ke)技(ji)發(fa)(fa)展(zhan)(zhan)的“四(si)梁八柱(zhu)”，進一步增強金(jin)(jin)(jin)融(rong)(rong)(rong)業(ye)(ye)科(ke)技(ji)應用(yong)能(neng)力，實(shi)現金(jin)(jin)(jin)融(rong)(rong)(rong)與科(ke)技(ji)深度融(rong)(rong)(rong)合、協調發(fa)(fa)展(zhan)(zhan)，明(ming)(ming)顯增強人民群眾對(dui)數字(zi)化、網絡化、智能(neng)化金(jin)(jin)(jin)融(rong)(rong)(rong)產(chan)品和服務(wu)的滿(man)意度，推(tui)動(dong)我國(guo)金(jin)(jin)(jin)融(rong)(rong)(rong)科(ke)技(ji)發(fa)(fa)展(zhan)(zhan)居于國(guo)際領先水平，實(shi)現金(jin)(jin)(jin)融(rong)(rong)(rong)科(ke)技(ji)應用(yong)先進可控、金(jin)(jin)(jin)融(rong)(rong)(rong)服務(wu)能(neng)力穩步增強、金(jin)(jin)(jin)融(rong)(rong)(rong)風控水平明(ming)(ming)顯提高、金(jin)(jin)(jin)融(rong)(rong)(rong)監管效能(neng)持續提升、金(jin)(jin)(jin)融(rong)(rong)(rong)科(ke)技(ji)支撐不斷(duan)完(wan)善、金(jin)(jin)(jin)融(rong)(rong)(rong)科(ke)技(ji)產(chan)業(ye)(ye)繁榮發(fa)(fa)展(zhan)(zhan)。

　　《規(gui)(gui)劃(hua)》確(que)定了六方面(mian)重點(dian)(dian)任務(wu)(wu)。一(yi)是(shi)(shi)加(jia)強金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)科(ke)(ke)(ke)技(ji)(ji)(ji)(ji)(ji)戰略部署，從長遠視角加(jia)強頂層(ceng)設計(ji)(ji)，把(ba)握金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)科(ke)(ke)(ke)技(ji)(ji)(ji)(ji)(ji)發(fa)展(zhan)(zhan)態勢，做好統籌(chou)規(gui)(gui)劃(hua)、體(ti)(ti)(ti)制機制優(you)(you)化(hua)、人(ren)才隊伍建(jian)設等工作。二(er)是(shi)(shi)強化(hua)金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)科(ke)(ke)(ke)技(ji)(ji)(ji)(ji)(ji)合理(li)應(ying)用(yong)，以(yi)重點(dian)(dian)突破帶動全(quan)局(ju)發(fa)展(zhan)(zhan)，規(gui)(gui)范關鍵共(gong)性技(ji)(ji)(ji)(ji)(ji)術的(de)選(xuan)型、能力建(jian)設、應(ying)用(yong)場景以(yi)及(ji)安(an)全(quan)管(guan)(guan)控(kong)(kong)，全(quan)面(mian)提(ti)升金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)科(ke)(ke)(ke)技(ji)(ji)(ji)(ji)(ji)應(ying)用(yong)水平，將金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)科(ke)(ke)(ke)技(ji)(ji)(ji)(ji)(ji)打造(zao)成(cheng)為(wei)金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)高質(zhi)量發(fa)展(zhan)(zhan)的(de)“新(xin)引擎”。三是(shi)(shi)賦(fu)能金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)服(fu)(fu)(fu)務(wu)(wu)提(ti)質(zhi)增效，合理(li)運用(yong)金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)科(ke)(ke)(ke)技(ji)(ji)(ji)(ji)(ji)手段豐富服(fu)(fu)(fu)務(wu)(wu)渠道、完善產(chan)品供給(gei)、降低(di)服(fu)(fu)(fu)務(wu)(wu)成(cheng)本(ben)、優(you)(you)化(hua)融(rong)(rong)(rong)(rong)(rong)(rong)資服(fu)(fu)(fu)務(wu)(wu)，提(ti)升金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)服(fu)(fu)(fu)務(wu)(wu)質(zhi)量與(yu)效率，使(shi)金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)科(ke)(ke)(ke)技(ji)(ji)(ji)(ji)(ji)創新(xin)成(cheng)果更好地惠及(ji)百姓民生，推(tui)動實體(ti)(ti)(ti)經濟(ji)健康可持續發(fa)展(zhan)(zhan)。四是(shi)(shi)增強金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)風險(xian)技(ji)(ji)(ji)(ji)(ji)防能力，正確(que)處理(li)安(an)全(quan)與(yu)發(fa)展(zhan)(zhan)的(de)關系，運用(yong)金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)科(ke)(ke)(ke)技(ji)(ji)(ji)(ji)(ji)提(ti)升跨市場、跨業(ye)態、跨區域(yu)金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)風險(xian)的(de)識別、預警和處置能力，加(jia)強網絡安(an)全(quan)風險(xian)管(guan)(guan)控(kong)(kong)和金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)信息保護，做好新(xin)技(ji)(ji)(ji)(ji)(ji)術應(ying)用(yong)風險(xian)防范，堅決守(shou)住不發(fa)生系統性金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)風險(xian)的(de)底線。五是(shi)(shi)強化(hua)金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)科(ke)(ke)(ke)技(ji)(ji)(ji)(ji)(ji)監管(guan)(guan)，建(jian)立健全(quan)監管(guan)(guan)基本(ben)規(gui)(gui)則(ze)(ze)體(ti)(ti)(ti)系，加(jia)快推(tui)進監管(guan)(guan)基本(ben)規(gui)(gui)則(ze)(ze)擬訂、監測分(fen)析和評估工作，探索金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)科(ke)(ke)(ke)技(ji)(ji)(ji)(ji)(ji)創新(xin)管(guan)(guan)理(li)機制，服(fu)(fu)(fu)務(wu)(wu)金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)業(ye)綜合統計(ji)(ji)，增強金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)監管(guan)(guan)的(de)專業(ye)性、統一(yi)性和穿透(tou)性。六是(shi)(shi)夯實金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)科(ke)(ke)(ke)技(ji)(ji)(ji)(ji)(ji)基礎支撐(cheng)，持續完善金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)科(ke)(ke)(ke)技(ji)(ji)(ji)(ji)(ji)產(chan)業(ye)生態，優(you)(you)化(hua)產(chan)業(ye)治(zhi)理(li)體(ti)(ti)(ti)系，從技(ji)(ji)(ji)(ji)(ji)術攻(gong)關、法規(gui)(gui)建(jian)設、信用(yong)服(fu)(fu)(fu)務(wu)(wu)、標準規(gui)(gui)范、消費者保護等方面(mian)支撐(cheng)金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)(rong)科(ke)(ke)(ke)技(ji)(ji)(ji)(ji)(ji)健康有序發(fa)展(zhan)(zhan)。

（來源：人民銀行）