The use of digital technology to empower financial supervision is becoming one of the priorities of local financial regulators, and various innovative measures are frequently introduced. At the recent press conference held by the State Administration of Financial Supervision and Administration, the heads of the financial supervision bureaus in many places introduced the relevant situation.
Judging from the experience shared by the Beijing Regulatory Bureau, big data has "performed brilliantly" in the process of financial supervision to help achieve high-quality development goals. According to Sun Guodong, member of the Party Committee and deputy director of the Beijing Supervision Bureau of the State Administration of Financial Supervision and Administration, the Beijing Supervision Bureau relies on the government affairs data of multiple departments to screen potential first-time borrowers and push them to banks, and the banks "send loans to their homes". Relevant data shows that in 2023, nearly 40,000 "door-to-door loans" will be pushed to enterprises, and the comprehensive reach rate of banks to enterprises will reach 85%. Optimize the subsidy policy for the first loan of small, medium and micro enterprises, with a cumulative amount of 1370,000 enterprises provided loans with interest discounts of more than 85 million yuan.
Shanghai, on the other hand, has been making continuous efforts to enrich the digital financial industry. According to Wang Junshou, Secretary of the Party Committee and Director of the Shanghai Supervision Bureau of the State Administration of Financial Supervision and Administration, Shanghai is the first in the country to issue guidance on data compliance in the banking and insurance industry to cultivate the core competitiveness of Shanghai's digital finance. Study and build a comprehensive digital financial service platform plan to achieve real-time docking and serve the financial needs of small, medium and micro enterprises and the masses in the city. Through digital empowerment, we will create a one-stop digital insurance inclusive platform "Shanghai Insurance Code" to provide consumers with full-process services such as personal full policy inquiry, inclusive insurance product supply, policy preservation, and claim settlement.
Qin Gang, Secretary of the Party Committee and Director of the Anhui Supervision Bureau of the State Administration of Financial Supervision and Administration, said that the Anhui Supervision Bureau comprehensively used the EAST system in on-site inspection, institutional supervision, consumer protection and other work, strengthened the "risk scanning" in key areas, and developed application models around regulatory difficulties, and won the EAST competition award of the State Administration of Financial Supervision and Administration for two consecutive years. At the same time, an intelligent inspection laboratory was built, and the "Beacon" non-bank data verification platform was developed and launched. Build a middle and back-office comprehensive data intelligence analysis center to guide and support the front-line on-site inspection and verification mode at the grassroots level, lock suspicious points through pre-inspection EAST model scanning, and quickly verify on-site verification, so as to improve the accuracy and effectiveness of supervision.
In the implementation of the "five major supervisions" and the resolute "teeth and thorns", the Sichuan Supervision Bureau uses big data to improve the level of regulatory capabilities. "(Sichuan Supervision Bureau) makes full use of the regulatory big data platform to study and judge the key risk base within its jurisdiction, and solidly carries out the 'one table' pilot. Relying on the intelligent inspection laboratory, we will orderly promote online intelligent inspection model analysis and suspicious screening, and explore data business cooperation with industry science and technology information platforms. Zhou Weijiang, member of the Party Committee and deputy director of the Sichuan Supervision Bureau of the State Administration of Financial Supervision and Administration, said that on this basis, the Sichuan Supervision Bureau has strengthened the role of on-site inspections as a "sharp sword", and the depth of inspection and the breadth of institutional coverage have been significantly improved. Adhere to strict investigation and strict punishment, so that "mistakes must be investigated, investigation must be true, and accountability must be investigated".
On the basis of consolidating the development of inclusive small and micro finance, the big data in the "Ningbo Answer Sheet" empowers the docking service and improves the quality and efficiency of inclusive finance. Sun Shizhong, Secretary of the Party Committee and Director of the Ningbo Supervision Bureau of the State Administration of Financial Supervision and Administration, said that the Ningbo Supervision Bureau actively promotes the construction of the "Yongjintong" financial digitalization project, and collaborates to build a financial geographic and economic analysis and online docking service platform for banks and enterprises. According to the data, in the activity of "Thousands of Enterprises to Improve Confidence and Excellent Service" carried out in Ningbo, the list of "non-consignee" enterprises was pushed 2250,000 have been completed, of which 2,872 enterprises have capital needs, and 1,196 enterprises have obtained loans for the first time144.9 billion yuan.
The Department of Science and Technology Supervision of the State Administration of Financial Supervision and Administration recently issued a document proposing to promote the digital reengineering of the regulatory process, enhance the standardization and transparency of key regulatory activities, and improve the efficiency of supervision; Vigorously promote the research and development of intelligent analysis tools, and enrich the toolbox of penetrating supervision and behavior supervision; We will further promote the construction of regulatory big data and consolidate the data foundation of the "five major supervisions".
*: Economic Information Daily.