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央行研究局局长徐忠:规范数字普惠金融机构信息披露

2017-09-22 07:37:37   中国经济网

中国人民银行研究局局长徐忠21日在“中非数字普惠金融高峰论坛”上表示,地方政府和相关监管部门应依照《刑法》和有关司法解释有效识别伪金融创新,区分创新与犯罪,“打早打小打准”,依法惩处非法金融活动。同时,要规范数字普惠金融机构的信息披露,严厉打击虚假违法宣传,落实投资者适当性管理,强调“卖者有责”。

徐忠指出,在当前与今后一个时期,普惠金融发展面临新挑战和新机遇。机遇在于普惠金融肩负的社会发展使命和潜在需求。挑战则在于随着金融科技在我国率先获得迅猛发展,数字技术为普惠金融传统难题提供了全新的充满潜力的解决方案,但也带来了新的问题,亟须进行深入的实践归纳和理论总结。

徐忠表示,在引入数字技术背景下,金融风险更具隐蔽性,传播速度更快、传播范围更广更深,增加了金融系统性风险。大量普通金融消费者的自我保护能力和意识还比较薄弱,还存在监管空白或薄弱环节。因此,当务之急是平衡好创新与监管的关系,从而引导普惠金融规范发展。

徐忠强调,一要重视改善数字普惠金融可能带来的数字鸿沟问题。普惠金融服务对象主要是弱势群体,需要从供给侧推进金融机构改革,鼓励金融机构开发针对弱势群体的互联网金融产品和服务。

二要坚决打击披着数字普惠金融外衣的非法金融活动。要规范数字普惠金融机构的信息披露,严厉打击虚假违法宣传,落实投资者适当性管理,强调“卖者有责”。

三要加强大数据背景下的数据安全和个人隐私保护。徐忠认为,需保障数据主体的保密权,以及获取、利用、支配其信息的权利,允许或者不允许他人获悉或者使用自己信息的权利;需确保给予或剥夺消费者权益的最终决定由人类而不是机器做出。

四要建立负责任的投资者适当性管理的消费者保护制度。动员社会各方力量共同普及数字普惠金融知识,提高公众金融素养,加强风险提示与教育,引导树立“买者自负”的投资理念,构建金融消费者教育的长效机制。

五要加强基础监管制度建设,补齐监管短板。要针对数字金融风险传播速度快、范围广、隐蔽性强等特点,在流动性风险、信用风险、操作风险防范上,加快健全有效的基础监管制度。同时,加大监管技术创新力度,充分运用大数据技术提升数字金融监管有效性。

(原标题:中国人民银行研究局局长徐忠表示 规范数字普惠金融机构信息披露)

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