金融数据安全治理智能化技术与实践

doi:10.11959/j.issn.2096-109x.2023048

Abstract

Abstract:

In the “14th Five-Year Plan” era, the digitization of the financial industry has entered a phase of deepening and high-quality development.Strengthening Financial Data Security Governance (FDSG) and protecting financial data security have become an objective need and essential requirements for developing national economic security.FDSG utilizes data governance measures as a fundamental tool with a focus on sensitive data to ensure the comprehensive security of the entire lifecycle of financial data.It aims to promote data circulation among financial institutions, activate data value, and facilitate market-oriented allocation of financial data elements.FDSG is increasingly intertwined with big data, artificial intelligence, cloud computing, and blockchain technologies, transforming traditional data security governance into intelligent governance and accelerating the evolution of FDSG towards automation, intelligence, efficiency, and precision.FDSG’s essence, scope, and governance framework were introduced, and the core concepts and critical supporting technologies for the intellectual development of FDSG were elaborated, outlining the roadmap for intelligent governance.With consideration of FDSG’s demands and characteristics of intelligent technologies, vital directions for the practical application of intelligent technologies in FDSG were outlined, including data classification, data traceability, content control, privacy protection, and data twinning.Examples of current intelligent governance practices in banking, securities, and insurance industries were provided.Policy recommendations were proposed in the paper to promote the standardized and intelligent development of FDSG in China’s new era, aiming to foster the sustainable development of financial institutions and industries and ensure a healthy and secure environment for the future.

Key words: financial data security, data governance, fintech, artificial intelligence, smart finance

CLC Number:

TP309
F832

Peng HOU, Zhixin LI, Fei ZHANG, Xu SUN, Dan CHEN, Yihao CUI, Hanbing ZHANG, Yinan JIN, Hongfeng CHAI. Technology and practice of intelligent governance for financial data security[J]. Chinese Journal of Network and Information Security, 2023, 9(3): 174-187.

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References 21

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问题	技术
金融数据规模大，人力处理效率低，易出错	机器学习、大数据技术、云计算等
数据模型不清晰、元数据质量低	机器学习、知识图谱、大数据等
重复性工作，人工成本高，效率低	深度学习、云计算、计算机视觉等
无法为客户提供定制化金融服务	语音识别、人脸识别、人工智能等
高度依赖专业人员分析判断（如敏感信息识别、数据分类分级等）	自然语言处理、大数据技术等
数据资产管理混乱	人工智能、知识图谱、自然语言处理等
智能化组织管理	深度学习、人脸识别、数据指纹等
信息不对称、信息孤岛	隐私计算、区块链技术、可解释人工智能等
数据和系统安全防护	多方安全计算、云计算、深度学习等
风险评估与反欺诈	知识图谱、机器学习等

Technology and practice of intelligent governance for financial data security

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