Tencent security and KPMG released a regulatory technology white paper to analyze the "3+3" hot application scenarios

6 month 28 Japan , Tencent cloud 、 Tencent security 、 Tencent Research Institute and KPMG released 《 Regulatory technology white paper 》.《 white paper 》 Wu Xiaoling, former vice president of the people's Bank of China , Ba Shusong, executive dean of the HSBC Financial Research Institute of Peking University, and other industry experts made a foreword recommendation , By combing the development of global regulatory Technology , Focus on the development status and trend of domestic regulatory Technology , In depth study of regulatory technology application framework , It aims to provide reference for the development of supervision science and Technology .

For the first time, the white paper proposed the “ New meaning ”—— Guided by sustainable development and social values , Promote the quality and efficiency of supervision 、 The service industry operates orderly 、 We will improve the application of new technologies in all fields to supervise ecological development . meanwhile , The white paper also combines the practical characteristics of China's regulatory science and Technology , This paper analyzes the role of domestic regulatory technology in regulation and compliance “3+3” Hot application scenarios .

He Jie, director of Shenzhen local financial supervision and Administration Bureau, said at the press conference , The white paper is from different perspectives, such as macro and micro , Observe in all directions 、 Deep thinking and systematic induction , Sort out the forward-looking research and innovative practice of financial technology and regulatory Technology , It can provide decision-making reference for regulatory authorities , Provide relevant services for market institutions , For the industry 、 Academic circles bring new inspiration .

Li Wei, vice president of Tencent security, said , In the face of the requirements of high-quality development of digital economy and the criminal situation of network black and gray products , Technology needs to be more closely integrated with regulation , The role of science and technology in traditional regulatory models has also changed from improving efficiency , Gradually turn into helping supervision and escorting the development of digital economy .

Huang Wenkai, vice chairman of KPMG China, said , Thanks to new technology more widely 、 More landing applications , Domestic regulatory technology has made great progress , The application field is constantly expanding from finance to non-finance , The application scenario is gradually deepened from the regulatory end to the regulated end , Participation in ecology also widely covers all kinds of subjects of politics, industry, research and learning , Domestic regulatory technology is accelerating into a golden period of development .

First mention “ Regulatory Technology ” New meaning

Domestic characteristic practice

Regulatory technology is 2015 Originated in England , It is widely used in the field of financial supervision in the world . The white paper combs the history of domestic regulatory science and technology development and believes that , Although domestic practice started late , But at present, no matter in the regulatory level, the exploration of Technology Application , It is also an attempt by regulators to apply technology at the compliance level , Have accumulated some practical experience , Its development is mainly divided into the initial stage 、 Exploration period and rapid development period .

In especial 2019 So far this year , The application of supervision technology in China is constantly developing vertically and horizontally . One side , Outside the financial sector , Other industries have also stepped up technological innovation , Industrial Internet constantly incubates new business forms 、 A new model , But there are also potential risks , Regulators need to make the prior 、 Combine in-process supervision with post event supervision , Build an online and offline integrated digital supervision system ; On the other hand , Artificial intelligence 、 Cloud computing 、 big data 、 Nonlinear development of new technologies such as blockchain , Constantly tamp the technology application base , Supporting the landing and evolution of regulatory Technology .

According to the white paper , Under the traction of two aspects , The top-level guidance framework of China's regulatory science and technology has made great strides from the field of financial regulation to the field of non-financial regulation , This has also become a unique regulatory technology application practice in China , It has given a richer connotation to the supervision technology . Especially in the accelerated stimulation of the epidemic , Under the comprehensive action of the mature application of digital technology and the connotation extension of security and other new trends , In recent years, regulatory technology has shown a new evolution .

Based on this , The white paper also puts forward a new connotation and definition of regulatory technology for the first time ：“ Guided by sustainable development and social values , Promote the quality and efficiency of supervision 、 The service industry operates orderly 、 We will improve the application of new technologies in all fields to supervise ecological development ”.

At the same time, the white paper also believes that , With the in-depth application of regulatory technology in many fields in China , Its value connotation is no longer limited to the social value of ensuring social stability and sustainable development , It is not only to help the economic benefits of the regulated institutions' steady operation . Although the development of regulatory technology stems from regulatory agencies （G End ） The requirements of , And then by the regulated institution （B End ） Undertake the landing , But the ultimate beneficiaries of value are still various economic activities C End customers . Regulatory technology has become an orderly innovation in the digital economy ecosystem 、 An important support for stability and long-term development .

The degree of enterprise digitalization drives

Regulatory technology presents “3+3” Hot application scenarios

In the specific application scenarios of domestic regulatory Technology , Due to the industry development level in different fields 、 There are differences in regulatory needs and Technology Application , Therefore, the application degree and characteristics of regulatory technology in various fields are different . The white paper focuses on the regulatory side and the compliance side , Analyzed domestic “3+3” Hot application fields , The regulatory side ： Scientific and technological innovation supervision pilot 、 Local financial supervision 、 Market supervision technology ; Enterprise compliance end ： Financial compliance management 、 Financial risk control 、 And copyright protection scenes .

among , In the scene of local financial supervision , Faced with many financial formats and high risks 、 Insufficient informatization of prevention and control 、 There is “ Information Island ” And so on , Regulatory technology has become the starting point for improving quality and efficiency .2018 year , Local financial regulatory departments have cooperated with technology companies to explore the application of regulatory Technology . for example , Shenzhen Financial Office and Tencent jointly build Lingkun financial security big data platform , And Financial Security Supervision Technology Laboratory , Jointly research and develop to win the battle to prevent and resolve financial risks “ Regulatory Technology ” New tools .

Besides , New technologies bring new risks to the market , Regulatory pressure is increasingly prominent , Investment in informatization construction of market supervision continues to increase , Food supervision 、 Drug regulation 、 Special equipment 、 Credit regulation 、 Advertising supervision 、 Network transaction supervision has become the main scene of the application of information technology , Among them, food supervision 、 Drug regulation 、 Special equipment is closely related to public life and health , At present, it has become a key area concerned by the market supervision departments of all provinces .

Deep cultivation of supervision technology is also becoming the only way for enterprises to develop with high quality . According to Li Wei, vice president of Tencent security , The depth of application of regulatory technology is largely driven by the digitalization of enterprises . Enterprises' adherence to the bottom line of compliance is not only driven by regulation , It is also the demand for the long-term and healthy development of its own business , Compliance operation and safety construction have become the foundation of sustainable development of enterprises .

for example , In the retail business of financial enterprises , Traditional risk control relies more on the experience of risk control personnel , Driven by the wave of financial technology , Emerging business models 、 Application of new technology 、 New products and services continue to emerge , Financial risk control is going through the rule of experts 、 Evolution from traditional models to machine learning . at present , Tencent security has covered the financial sector 80% The benchmark customer , Provide assistance for intelligent risk control of financial institutions , The total safe loan of escort bank exceeded 100 billion yuan .

In today's copyright protection scenario, which is widely concerned by enterprises in more industries , big data 、 Blockchain 、 Artificial intelligence and other technologies can also be well recognized in copyright 、 Infringement monitoring 、 Evidence collection and copyright trading play a role . BiliBili launched “UP Master copyright protection plan ”, Based on Tencent copyright protection solution , by UP It mainly provides functions such as cross platform infringement monitoring and one click rights protection , Cumulative is more than 145 Ten thousand original videos provide copyright monitoring services .

A number of enterprises have launched joint initiatives

Accelerate the construction of a regulatory science and technology ecosystem

According to the white paper , The implementation of supervision technology is a systematic project , Involving financial business 、 Public administration 、 Information technology and other fields , It requires the input and guidance of business experts and technical experts in various fields . By deepening the coordination and cooperation among the main bodies of the regulatory science and technology ecosystem , Focus on the key points and difficulties in the application of regulatory science and Technology , Actively explore and carry out multi forms 、 Multi level supervision of scientific and technological cooperation and demonstration projects , Further improve the regulatory technology application scenarios , Jointly promote the healthy and sustainable development of China's regulatory science and Technology .

At this conference , Yang Guangfu, vice president of Tencent security , He Rongke, managing partner of KPMG China intelligent application , Zhangshaohui, vice president of capital market College , Chinese University of Hong Kong （ Shenzhen ） Ben Li, policy researcher of the Institute of higher finance , Hu langtao, chairman of Sino US venture capital , Wang Zhong, executive general manager of Jinzheng Qianhai , Du Mingdeng, deputy general manager of Tencent security, and other industry experts from a new stage 、 New technology 、 Carry out round table discussions from the perspective of new security , Reach a consensus on jointly building a sound ecosystem of regulatory science and Technology .

meanwhile , Led by Tencent security , Cape cloud 、 Daheng data 、 Sino American venture capital 、 Jinzheng Qianhai 、 Concordance information 、 Shenzhen Institute of financial stability and development 、 Beijing Jinxin online banking and other enterprises 、 Jointly initiated by “ Supervise the technology ecology initiative ”, In technology R & D 、 Solution building 、 Trend insight 、 Practice landing and other fields call for multi-party cooperation , Lift the power of ecology , Accelerate the construction of a regulatory science and technology ecosystem .

Yang Guangfu, vice president of Tencent security, said , I hope to take this initiative as an opportunity , Advantages of technological resources in the polymerization industry , Explore richer landing scenarios and practical features of regulatory Technology , Let more and more enterprises and relevant subjects pay more attention to this frontier field , Jointly build Supervision Technology .

As a domestic science and technology service provider with an earlier layout in this field , Tencent security has served the State Administration of market supervision 、 National e-government Office 、 Zhejiang provincial and Municipal Supervision Bureau 、 Shenzhen Financial Supervision and Administration Bureau and other hundreds of regulatory agencies , And help combat financial fraud 、 Illegal advertising 、 Online gambling 、 Form complete solutions in areas such as intellectual property infringement , Escort the high-quality development of the industry .