近日，中(zhong)國人民銀行印發(fa)《金融科技（FinTech）發(fa)展規劃（2019-2021年(nian)）》（以(yi)下(xia)簡稱《規劃》），明確提(ti)出未來三年(nian)金融科技工作的(de)指(zhi)導思(si)想、基(ji)本原則、發(fa)展目(mu)標、重點任務和保障措施。

　　《規劃》指出，金(jin)(jin)融(rong)(rong)(rong)(rong)科技(ji)是技(ji)術驅(qu)動的金(jin)(jin)融(rong)(rong)(rong)(rong)創(chuang)新。金(jin)(jin)融(rong)(rong)(rong)(rong)業要以習近平新時代中(zhong)國(guo)(guo)特(te)色(se)社會主(zhu)義思(si)想為(wei)指導(dao)，全面貫徹黨的十九大(da)精(jing)神(shen)，按照全國(guo)(guo)金(jin)(jin)融(rong)(rong)(rong)(rong)工作會議要求(qiu)，秉持“守正創(chuang)新、安(an)全可(ke)控、普惠民生、開放共贏”的基本(ben)原則，充分發(fa)揮金(jin)(jin)融(rong)(rong)(rong)(rong)科技(ji)賦能作用，推動我國(guo)(guo)金(jin)(jin)融(rong)(rong)(rong)(rong)業高質(zhi)量發(fa)展。

　　《規劃(hua)》提(ti)出(chu)，到2021年，建立健全(quan)我國金(jin)融(rong)(rong)(rong)(rong)科(ke)(ke)技(ji)(ji)發(fa)展(zhan)(zhan)的(de)“四梁(liang)八柱(zhu)”，進(jin)一步增強金(jin)融(rong)(rong)(rong)(rong)業(ye)科(ke)(ke)技(ji)(ji)應(ying)用(yong)能力，實(shi)現(xian)金(jin)融(rong)(rong)(rong)(rong)與(yu)科(ke)(ke)技(ji)(ji)深度融(rong)(rong)(rong)(rong)合、協調發(fa)展(zhan)(zhan)，明顯(xian)增強人民群眾對數字化(hua)、網絡化(hua)、智能化(hua)金(jin)融(rong)(rong)(rong)(rong)產(chan)品和服(fu)務(wu)(wu)的(de)滿意度，推(tui)動我國金(jin)融(rong)(rong)(rong)(rong)科(ke)(ke)技(ji)(ji)發(fa)展(zhan)(zhan)居于國際領(ling)先水平，實(shi)現(xian)金(jin)融(rong)(rong)(rong)(rong)科(ke)(ke)技(ji)(ji)應(ying)用(yong)先進(jin)可控、金(jin)融(rong)(rong)(rong)(rong)服(fu)務(wu)(wu)能力穩步增強、金(jin)融(rong)(rong)(rong)(rong)風控水平明顯(xian)提(ti)高、金(jin)融(rong)(rong)(rong)(rong)監管效能持續提(ti)升、金(jin)融(rong)(rong)(rong)(rong)科(ke)(ke)技(ji)(ji)支撐不斷完善、金(jin)融(rong)(rong)(rong)(rong)科(ke)(ke)技(ji)(ji)產(chan)業(ye)繁榮發(fa)展(zhan)(zhan)。

　　《規(gui)(gui)劃》確定了(le)六(liu)方面重點(dian)任務。一是(shi)加強(qiang)金(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)科(ke)技(ji)(ji)(ji)戰略部署，從長遠視角加強(qiang)頂層(ceng)設計，把握金(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)科(ke)技(ji)(ji)(ji)發展(zhan)態勢，做好(hao)統籌規(gui)(gui)劃、體(ti)(ti)制機制優(you)(you)化(hua)、人才隊伍(wu)建(jian)設等工(gong)(gong)作。二是(shi)強(qiang)化(hua)金(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)科(ke)技(ji)(ji)(ji)合(he)理(li)應用(yong)(yong)，以重點(dian)突破帶動(dong)全(quan)局發展(zhan)，規(gui)(gui)范(fan)關(guan)鍵共性技(ji)(ji)(ji)術的(de)選型、能(neng)力建(jian)設、應用(yong)(yong)場(chang)景以及(ji)安(an)全(quan)管(guan)控，全(quan)面提(ti)升金(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)科(ke)技(ji)(ji)(ji)應用(yong)(yong)水(shui)平(ping)，將(jiang)金(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)科(ke)技(ji)(ji)(ji)打造成為金(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)高質量發展(zhan)的(de)“新引擎”。三(san)是(shi)賦能(neng)金(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)服(fu)(fu)務提(ti)質增效，合(he)理(li)運(yun)用(yong)(yong)金(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)科(ke)技(ji)(ji)(ji)手段豐(feng)富服(fu)(fu)務渠道(dao)、完(wan)善產品供給、降低服(fu)(fu)務成本(ben)、優(you)(you)化(hua)融(rong)(rong)(rong)(rong)資服(fu)(fu)務，提(ti)升金(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)服(fu)(fu)務質量與效率，使(shi)金(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)科(ke)技(ji)(ji)(ji)創(chuang)新成果更好(hao)地惠(hui)及(ji)百姓民(min)生(sheng)，推(tui)動(dong)實體(ti)(ti)經濟健康可持(chi)(chi)續發展(zhan)。四是(shi)增強(qiang)金(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)風(feng)險技(ji)(ji)(ji)防能(neng)力，正確處理(li)安(an)全(quan)與發展(zhan)的(de)關(guan)系，運(yun)用(yong)(yong)金(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)科(ke)技(ji)(ji)(ji)提(ti)升跨(kua)市場(chang)、跨(kua)業(ye)(ye)態、跨(kua)區域金(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)風(feng)險的(de)識別、預警和(he)處置能(neng)力，加強(qiang)網(wang)絡(luo)安(an)全(quan)風(feng)險管(guan)控和(he)金(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)信(xin)息(xi)保護，做好(hao)新技(ji)(ji)(ji)術應用(yong)(yong)風(feng)險防范(fan)，堅決守住不發生(sheng)系統性金(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)風(feng)險的(de)底(di)線。五是(shi)強(qiang)化(hua)金(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)科(ke)技(ji)(ji)(ji)監(jian)(jian)管(guan)，建(jian)立健全(quan)監(jian)(jian)管(guan)基本(ben)規(gui)(gui)則(ze)體(ti)(ti)系，加快推(tui)進監(jian)(jian)管(guan)基本(ben)規(gui)(gui)則(ze)擬訂、監(jian)(jian)測分析和(he)評估工(gong)(gong)作，探索金(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)科(ke)技(ji)(ji)(ji)創(chuang)新管(guan)理(li)機制，服(fu)(fu)務金(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)業(ye)(ye)綜合(he)統計，增強(qiang)金(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)監(jian)(jian)管(guan)的(de)專業(ye)(ye)性、統一性和(he)穿透(tou)性。六(liu)是(shi)夯實金(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)科(ke)技(ji)(ji)(ji)基礎支撐(cheng)，持(chi)(chi)續完(wan)善金(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)科(ke)技(ji)(ji)(ji)產業(ye)(ye)生(sheng)態，優(you)(you)化(hua)產業(ye)(ye)治理(li)體(ti)(ti)系，從技(ji)(ji)(ji)術攻關(guan)、法規(gui)(gui)建(jian)設、信(xin)用(yong)(yong)服(fu)(fu)務、標準規(gui)(gui)范(fan)、消(xiao)費者(zhe)保護等方面支撐(cheng)金(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)科(ke)技(ji)(ji)(ji)健康有序發展(zhan)。

（來源(yuan)：人民銀行(xing)）