As the 14th Five-Year Plan draws to a close, a Deputy Governor of the People’s Bank of China recently reflected on the achievements and lessons learned in fintech development over this pivotal five-year period. He noted that during the 14th Five-Year Plan (2021–2025), China’s fintech sector adhered to core principles of ‘innovation with integrity, security and controllability, inclusive benefits for the public, and open collaboration.’ This approach has driven deep integration between finance and technology, significantly enhancing the efficiency, accessibility, and inclusiveness of financial services. Breakthroughs have been made in areas such as digital RMB pilots, financial data governance, regulatory technology (RegTech), and green fintech. Through improved top-level design, strengthened legal frameworks, and enhanced risk management, the central bank has effectively guided the healthy and orderly growth of fintech. Looking ahead, the Deputy Governor emphasized the need to continue leveraging technological innovation to drive high-quality financial development, deepen international cooperation, and responsibly apply cutting-edge technologies like artificial intelligence and blockchain in finance—ultimately contributing to a safer, more efficient, and sustainable modern financial system.
在‘十四五’规划收官之际，中国人民银行副行长近日回顾了金融科技在这一关键五年中的发展成就与经验。他指出，‘十四五’期间，中国金融科技坚持‘守正创新、安全可控、普惠民生、开放共赢’的发展原则，推动金融与科技深度融合，显著提升了金融服务的效率、可得性与包容性。特别是在数字人民币试点、金融数据治理、监管科技应用以及绿色金融科技等方面取得突破性进展。央行通过完善顶层设计、健全法规制度、强化风险防控，有效引导金融科技健康有序发展。展望未来，副行长强调，要继续以科技创新驱动金融高质量发展，加强跨境合作，深化人工智能、区块链等前沿技术在金融领域的合规应用，助力构建更加安全、高效、绿色的现代金融体系。
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