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工商银行吕仲涛:技术创新、开放共享是把双刃剑 对金融机构风险管理提出更高要求

Industrial and Commercial Bank of China Lu Zhongtao: technological innovation, opening and sharing is a double-edged sword that puts forward higher requirements for risk management of financial institutions.

新浪財經 ·  Jul 28, 2021 18:04

July 28, ZhongguancunThe 2021 Zhongguancun Financial Technology and Financial Security Summit and the 2021 "Everbright Cup" fifth Zhongguancun "Pan Titanic" Financial Technology International Innovation Competition, sponsored by the Institute of Internet Finance, Zhongguancun Financial Technology Industry Development Alliance and China Internet Finance Thirty people Forum, was held in Beijing with the theme of "focusing on financial science and technology innovation and creating digital financial application scenarios". Industrial and Commercial Bank of ChinaChief Technology Officer Lu Zhongtao attended and delivered a speech.

吕仲涛

Lu Zhongtao said in his speech that commercial banks have natural digital genes, and the digital transformation of banks, driven by technological innovation, has moved forward to the direction of intelligence after the transformation of electronic and information technology. In the electronic stage, the computer replacement abacus has been realized, which has greatly improved the efficiency of business processing; in the information stage, through the implementation of the national data collection medium basic project, services such as deposit and exchange, real-time remittance and online banking have been realized one after another; in the intelligent era, the use of artificial intelligence, big data and other new technologies to provide customers with ubiquitous intelligent services.

In Lu Zhongtao's view, financial technology is redefining financial services, changing from traditional single financial product innovation to ecological scene innovation, and online, intelligent, inclusive and open has become a new trend of financial development. Innovations in financial service models such as smart finance and open finance emerge one after another, and brand-new financial forms such as "online + offline", "in-bank + off-line" and "artificial + intelligence" continue to emerge. financial technology covers almost all banking lines and management areas, and is continuing to promote the development of financial services in the direction of high efficiency, low cost and high-quality experience, and accelerate the digital transformation of commercial banks.

He pointed out that technological innovation and open sharing are also double-edged swords, and while injecting new momentum into financial development, security issues such as data privacy disclosure and business cross-risks have become increasingly prominent. it has put forward higher requirements for the risk management and sound operation of financial institutions, mainly including four aspects of risk issues.

One is the risk point caused by the application of new technology. The application of new technology may lead to new risk points. Banks are facing new challenges while driving profound changes in service mode and operation mode with the help of financial technology. For example, technology applications such as biometrics and the Internet of things may bring risks of information embezzlement or customer privacy disclosure; blockchain technology platforms have difficulties in verifying the authenticity of upchain data and the risk of leakage of sensitive information caused by data sharing; artificial intelligence technology faces challenges such as model interpretability, controllability and protection.

Second, the network security threats faced by the banking industry continue to escalate. The risk of information leakage continues to be high, customer financial information security and privacy protection are facing new challenges; global network intrusions occur frequently, attacks are highly organized; the scale of the black industrial chain of cyber crime is large, and fraud means continue to escalate; hacker attacks are upgraded to intelligent attacks, security protection is more difficult, commercial banks are facing severe external security challenges.

Third, the security problem caused by the immature industrial chain is becoming more and more serious. The phenomenon of "neck jam" also requires commercial banks to further strengthen their reserves and research in the research and application of key core technologies. In the unstable international situation, the threat of supply chain outage in the information industry is increasing. In order to ensure national financial security and financial stability, it is imperative to make a good emergency plan for the supply chain of the information industry. However, the complexity of the IT infrastructure system in the core areas such as finance is high, and there are deficiencies in the integrity, stability and versatility of the domestic software and hardware industry chain.

Fourth, the increase of ecological risk events, the transformation from single point risk events to ecological risk events, the problems caused by lax risk control of one institution may cause customers' economic losses in other institutions. In the open ecology, the risk spreads from offline to online, and is introduced from the outside to the inside. if there is a problem in any link in the format, it may affect the whole body.

Sina stated: all the minutes of the meeting are arranged in shorthand on the spot and have not been reviewed by the speaker. The publication of this article on Sina for the purpose of transmitting more information does not mean agreeing with its views or confirming its description.

The translation is provided by third-party software.


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