近日，中国银保监会副主席周亮在2021年韩国金融科技周开幕式上发表演讲。周亮表示，伴随着数字经济快速发展，金融与科技也在深度融合。同时，金融科技也带来一些风险和挑战。
周亮指出，金融科技的本质是金融。为此，我们坚持发展与规范并重、创新与安全平衡、同样业务同样监管的原则，不断完善监管规制，严肃查处违法违规行为，坚决打破垄断，防止资本无序扩张，将金融活动全部纳入监管，切实维护金融安全。
以下为演讲全文：
尊敬的殷成洙主席、尹硕宪主席，女士们、先生们：
上午好！很高兴参加本届韩国金融科技周。近年韩国及全球金融科技发展迅速。借此机会，我愿与大家就共同关心的问题进行交流。
伴随着数字经济快速发展，金融与科技也在深度融合。近年来，中国金融数字化转型持续推进，更好地满足了企业和个人的金融需求。目前几乎每个成年人都有自己的银行账户，移动支付已广泛覆盖使用，从银行获得贷款的小微企业和个体工商户超过2700万家。在抗击新冠疫情、支持精准脱贫、激发经济动能、增进民生福祉等方面，金融科技发挥了重要作用。
同时，金融科技也带来一些风险和挑战。比如，P2P网贷机构违规开展金融业务，互联网平台公司过度采集和使用数据、利用市场优势地位排斥同业竞争者，等等。金融科技的本质是金融。为此，我们坚持发展与规范并重、创新与安全平衡、同样业务同样监管的原则，不断完善监管规制，严肃查处违法违规行为，坚决打破垄断，防止资本无序扩张，将金融活动全部纳入监管，切实维护金融安全。
女士们，先生们！
为了实现“金融科技让生活更美好”的愿景，促进金融科技健康有序发展，我们建议：
一是坚守服务实体经济的本源。坚持“科技以人为本”，着力提高金融服务的便利性、可得性、包容性，促进经济绿色、可持续发展，避免“数字鸿沟”和贫富分化。
二是鼓励守正创新。引导金融机构围绕客户需求，运用互联网、大数据、云计算、区块链、人工智能等技术，大力创新产品和服务。
三是强化审慎监管。完善金融科技的监管法规，加强功能监管和行为监管，防止监管套利，提升监管科技水平。规范市场秩序，防止市场垄断，保障信息安全和个人隐私，维护消费者合法权益。
四是加强国际监管合作。完善国际监管规则，强化反洗钱、反恐怖融资、反逃税、数据监管、运营管理、消费者保护等方面的合作，防范金融风险跨境传染，共同打造开放、包容、安全的金融科技生态环境。
最后，预祝本次活动取得圆满成功！谢谢大家！
Video Speech at the Korea FinTech Week 2021
Mr. ZHOU Liang
Vice Chairman of CBIRC
26 May 2021
Distinguished Chairman Eun Sung-soo, Governor Yoon Seok-hun,
Ladies and Gentlemen,
Good morning!
It’s a great pleasure to attend the Korea FinTech Week 2021. In recent years, FinTech has been developing rapidly in Korea and also in the world. Taking this opportunity, I would like to share views and thoughts with you on issues of common interest.
The rapid development of digital economy is enabling the profound integration of finance and technology. In recent years, the continuous digital transformation of China’s financial sector has better satisfied the financial needs of businesses and individuals. Today almost every adult has their own bank account. Mobile payment services are available across the whole country. Micro and small firms and individual business owners with bank loans have exceeded 27 million. FinTech has played a significant role in fighting against Covid-19, supporting targeted poverty alleviation, stimulating growth, and improving people’s livelihood.
At the same time, FinTech has also brought certain risks and challenges. For example, P2P online lending institutions illegally engaged in financial activities. Some online platforms with their market dominance excessively collected and used data to exclude competitors. The essence of FinTech is finance. Therefore, we attach equal importance to development and regulation, strike the balance between innovation and security, and supervise business of the same nature with the same standards. Under these principles, we have been improving the regulatory framework. We are making efforts to crack down on violations of laws and regulations, break up monopolies, prevent disorderly tech capital expansion, and bring all financial activities under supervision, so as to better safeguard financial security.
Ladies and Gentlemen,
To realize the vision of “better FinTech, better life”, and promote the healthy and orderly development of FinTech, we believe the following points need to be highlighted.
First, serving the real economy. Technology should serve the people. Financial institutions should enhance the convenience, accessibility and inclusiveness of financial services, promote green and sustainable economic development. Efforts should be taken to avoid aggravating the “digital divide” and wealth inequality.
Second, driving innovation in the right way. Financial institutions should place customers at the center, and offer product and service innovations with technologies such as AI, blockchain, cloud computing, and big data.
Third, strengthening prudential regulation. Further improve the regulatory framework of FinTech, step up functional supervision and conduct supervision, forestall regulatory arbitrage, and improve the application of RegTech and SupTech. More efforts could be put in place to maintain market order, prevent monopoly, safeguard customer interests, and protect information security and data privacy.
Fourth, enhancing international regulatory cooperation. Let’s work together to improve the international regulatory standards, and strengthen collaboration in AML/CFT, anti-tax evasion, data regulation, and consumer protection. In this way, to prevent cross-border financial risk contagion, and jointly create an open, inclusive and safe FinTech eco-system.
Finally, I wish this event a great success! Thank you!
