The State Council issued another document to "guide and regulate the development of Internet finance"

Recently, the General Office of the CPC Central Committee and the General Office of the State Council issued the Outline of the National Informatization Development Strategy, which requires that informatization be integrated throughout China's modernization process, accelerate the release of the huge potential of informatization development, drive modernization with informatization, and accelerate the construction of a cyber power. It is worth noting that Point 23 of the Outline mentions "guiding and regulating the development of Internet finance , and effectively preventing and resolving financial risks." Previously, the Outline of the 13th Five-Year Plan also emphasized "regulating the development of Internet finance."

It is reported that the Outline is a programmatic document that regulates and guides the development of national informatization in the next 10 years. The Outline requires that the basic principles of "coordinated advancement, innovation-driven development, benefiting people's livelihood, win-win cooperation, and ensuring security" be adhered to, and the strategic goal of "three steps" for building a strong cyber power is proposed, mainly: by 2020, some areas of core key technologies will reach the international advanced level, the international competitiveness of the information industry will be greatly improved, and informatization will become the leading force driving modernization construction; by 2025, an internationally leading mobile communication network will be built, fundamentally changing the situation where core key technologies are controlled by people, achieving the strategic goal of advanced technology, developed industry, leading application, and indestructible network security, and a number of large multinational cyber companies with strong international competitiveness will emerge; by the middle of this century, informatization will fully support the construction of a prosperous, democratic, civilized and harmonious socialist modern country, the status of a cyber power will be increasingly consolidated, and greater achievements will be made in leading the development of global informatization.

Point 23 of the Outline points out that we should promote the network transformation of the service industry. We should support the use of the Internet to carry out service model innovation, accelerate the modernization of traditional service industries, and improve the level of informatization of life service industries. We should actively cultivate production service industries such as design, consulting, finance, transportation, logistics, and commerce, and promote the network development of modern service industries. We should vigorously develop cross-border e-commerce and build a prosperous and healthy e-commerce ecosystem.

Guide and regulate the development of Internet finance, effectively prevent and resolve financial risks, develop the sharing economy, and establish a networked collaborative innovation system.

In addition, Point 36 of the Outline states that it is necessary to promote innovation in cultural financial service models and establish a diversified network cultural industry investment and financing system. It is encouraged that outstanding Internet companies and cultural companies form strong alliances and cultivate a group of new cultural groups and media groups with international influence.

The following is the full text of the Outline:

National Information Development Strategy Outline

In today's world, information technology innovation is changing with each passing day, and the wave of informatization characterized by digitization, networking and intelligence is booming. Without informatization, there is no modernization. To adapt to and lead the new normal of economic development and enhance new development momentum ( 310328 , Fund Bar ), it is necessary to integrate informatization throughout China's modernization process and accelerate the release of the huge potential of informatization development. Using informatization to drive modernization and build a cyber power is an important measure to implement the "four comprehensive" strategic layout, and it is an inevitable choice to achieve the "two centenary" goals and the Chinese dream of the great rejuvenation of the Chinese nation.

This strategic outline is an adjustment and development of the "National Informatization Development Strategy 2006-2020" in accordance with the new situation. It is a programmatic document that regulates and guides the national informatization development in the next 10 years, an important part of the national strategic system, and an important basis for planning and policy making in the field of informatization.

I. Basic Situation of National Informatization Development

1. Human society has experienced the agricultural revolution and the industrial revolution, and is now experiencing the information revolution. At present, a new round of scientific and technological revolution represented by information technology is in full swing, and the Internet is increasingly becoming a leading force in innovation-driven development. The cross-integration of information technology with biotechnology, new energy technology, and new material technology is triggering a group of technological breakthroughs characterized by green, intelligent, and ubiquitous. Information, capital, technology, and talent are flowing faster around the world. The Internet is driving industrial change and promoting the transformation of the industrial economy to the information economy. A new system of international division of labor is taking shape. The Internet and information industry represents new productivity and a new direction of development. It has promoted an unprecedented improvement in the ability of mankind to understand and transform the world. It is profoundly changing people's production and lifestyle, bringing about a qualitative leap in productivity, triggering major changes in production relations, and becoming the leading force in reshaping the new pattern of international economic, political, cultural, social, ecological, and military development. Global informatization has entered a new stage of comprehensive penetration, cross-border integration, accelerated innovation, and leading development.

With the deepening development of world multipolarization, economic globalization, cultural diversity, and social informatization, the global governance system has undergone profound changes. Whoever occupies the commanding heights in informatization will be able to seize the initiative, gain advantages, win security, and win the future. Developed countries continue to promote information technology innovation, continuously accelerate the process of economic and social digitalization, and strive to consolidate their leading advantages. Developing countries seize the opportunity of industrial chain restructuring and adjustment, promote transformation and development through informatization, and actively seek to seize the initiative in development. Countries around the world are accelerating the strategic layout of cyberspace, and the game around the acquisition of key resources and the formulation of international rules is becoming increasingly acute and complex. Accelerating the development of informatization and building a digital country has become a global consensus.

(II) Since the beginning of the new century, especially since the 18th CPC National Congress, my country has made great progress in informatization. However, there is still a gap between the goal of building a moderately prosperous society in all respects and accelerating the socialist modernization. It is urgent and urgent to adhere to the development path of informatization with Chinese characteristics, drive modernization with informatization, and build a cyber power. At present, my country ranks first in the world in terms of the number of Internet users, online retail transaction volume, and electronic information product manufacturing scale. A number of information technology companies and Internet companies have entered the forefront of the world, forming a relatively complete information industry system. The application of information technology continues to deepen, "Internet +" has emerged, the pace of economic and social digitalization and networking transformation has accelerated, the positive energy of cyberspace has further gathered and strengthened, and the leading role of informatization in the overall modernization construction has become increasingly prominent. At the same time, there are also relatively prominent problems in the development of informatization in my country, mainly: core technologies and equipment are subject to others, information resources are not developed and utilized enough, the degree of popularization of information infrastructure is not high, regional and urban-rural gaps are relatively obvious, network security faces severe challenges, the rule of law in cyberspace needs to be strengthened, and the potential of informatization in promoting economic and social development and serving the overall strategic layout of the country has not been fully released.

my country's comprehensive national strength, international influence and strategic initiative continue to increase, and development is still in an important strategic opportunity period where we can make great achievements. From the domestic environment, my country has entered a critical period of synchronous development of new industrialization, informatization, urbanization and agricultural modernization. The information revolution has provided a historic opportunity for my country to accelerate the completion of industrialization tasks, cross the "middle-income trap" and build new advantages in international competition. It also warns us that we face huge risks of not advancing or retreating, advancing too slowly and missing opportunities. Standing at a new historical starting point, we are fully capable of relying on the advantages of a big country and institutional advantages to accelerate the development of informatization and promote my country's socialist modernization cause to a new level.

II. Guiding Ideology, Strategic Objectives and Basic Principles

(I) Guiding ideology. We shall hold high the great banner of socialism with Chinese characteristics, fully implement the spirit of the 18th CPC National Congress and the Third, Fourth and Fifth Plenary Sessions of the 18th CPC Central Committee, take Deng Xiaoping Theory, the important thought of Three Represents and the Scientific Outlook on Development as our guidance, thoroughly study and implement the spirit of General Secretary Xi Jinping's series of important speeches, closely focus on the overall layout of "economic, political, cultural, social, and ecological progress" and the strategic layout of "four comprehensives", firmly establish the development concept of innovation, coordination, greenness, openness and sharing, implement the development concept of putting people at the center, coordinate the two major domestic and international situations, coordinate the two major issues of development and security, adhere to the path of information development with Chinese characteristics, adhere to the simultaneous advancement of information development with the realization of the "two centenary goals", take information-driven modernization as the main line, take building a cyber power as the goal, strive to enhance the country's information development capabilities, strive to improve the level of information application, strive to optimize the information development environment, promote the modernization of the national governance system and governance capabilities, strive to take the lead in practicing the new development concept, let information technology benefit the society and the people, and lay a solid foundation for realizing the Chinese dream of the great rejuvenation of the Chinese nation.

2. Strategic objectives

By 2020, the household penetration rate of fixed broadband will reach the level of moderately developed countries, the third-generation mobile communication (3G) and fourth-generation mobile communication (4G) networks will cover urban and rural areas, and the fifth-generation mobile communication (5G) technology research and development and standards will make breakthrough progress. The total amount of information consumption will reach 6 trillion yuan, and the scale of e-commerce transactions will reach 38 trillion yuan. Some areas of core key technologies will reach the international advanced level, the international competitiveness of the information industry will be greatly improved, the digitalization, networking and intelligence of key industries will make significant progress, the networked collaborative innovation system will be fully formed, e-government will support the modernization of the national governance system and governance capabilities, and informatization will become the leading force driving modernization.

The international Internet export bandwidth has reached 20 terabits per second (Tbps), supporting the implementation of the " Belt and Road " initiative, achieving network interconnection and information exchange with neighboring countries, building the China-ASEAN Information Port, and initially building the Online Silk Road. The international competitiveness of information and communication technology, products, and Internet services has been significantly enhanced.

By 2025, the new generation of information and communication technology will be applied in a timely manner, the household penetration rate of fixed broadband will be close to the international advanced level, an internationally leading mobile communication network will be built, and broadband network seamless coverage will be achieved. The total amount of information consumption will reach 12 trillion yuan, and the scale of e-commerce transactions will reach 67 trillion yuan. The situation where core key technologies are subject to human control will be fundamentally changed, a safe and controllable information technology industry system will be formed, and the level of e-government application and information benefits for the people will be greatly improved. The strategic goal of advanced technology, developed industry, leading application and indestructible network security will be achieved.

The international Internet export bandwidth has reached 48 terabits per second (Tbps), and four major international information channels have been built, connecting countries and regions such as the Pacific ( 601099 , stock bar ), Central and Eastern Europe, West Africa and North Africa, Southeast Asia, Central Asia, India, Pakistan, Myanmar and Russia, and a number of large multinational Internet companies with strong international competitiveness have emerged.

By the middle of this century, informatization will fully support the construction of a prosperous, democratic, civilized and harmonious modern socialist country, and China's status as a cyber power will be increasingly consolidated, and it will play a greater role in leading the global development of informatization.

(III) Basic principles

—— Coordinated advancement. Informatization is related to the long-term sustainable development of the country's economy and society, the long-term stability of the country, and the well-being of the people. We must keep the overall situation in mind, grasp the general trend, focus on major issues, coordinate the central and local governments, coordinate the forces of the party, government, and military, coordinate the role of the market and the government, coordinate phased goals and long-term goals, and coordinate major issues in the development of informatization in various fields to ensure the comprehensive, coordinated, sustainable and healthy development of national informatization.

——Innovation-led. We will fully implement the innovation-driven development strategy, take innovation-driven development as the fundamental strategy to cope with changes in the development environment, enhance development momentum, seize the initiative in development, and better lead the new normal of economic development. We will strive to master core technologies, seize the initiative, and occupy the commanding heights of competition with a sense of urgency and a spirit of seizing the day.

—— Driving development. We will maximize the driving role of informatization, implement the national big data strategy, promote the "Internet +" action plan, guide the deep integration of new-generation information technology with various economic and social fields, promote the expansion of emerging industries to a wider range and wider fields, and comprehensively improve the level of informatization in the fields of economy, politics, culture, society, ecological civilization and national defense.

——Benefiting people's livelihood. Adhere to the starting point and end point of benefiting society and the people, give full play to the role of the Internet in promoting poverty alleviation, promote targeted poverty alleviation and targeted poverty reduction, and continuously improve people's well-being; focus on people's expectations and needs, promote equalization of basic public services through informatization, and let hundreds of millions of people have a greater sense of gain in sharing the fruits of Internet development.

--Win-win cooperation. We should promote informatization wherever national interests are, strengthen network interconnection, promote information exchange, and accelerate the construction of a community with a shared future in cyberspace around the construction of the Belt and Road Initiative; make good use of the two markets and two resources at home and abroad, and the two spaces online and offline, actively participate in global governance, and continuously enhance our international influence and voice.

——Ensure security. Network security and informatization are the two wings of one body and the two wheels of one drive. They must be planned, deployed, promoted and implemented in a unified manner to ensure coordination and progress in parallel. We must effectively prevent, control and resolve the risks that may arise in the process of informatization, ensure development with security and promote security with development, and strive to build a long-term security trend and achieve long-term governance.

III. Vigorously enhance the ability of information development

1. Develop core technologies and strengthen the information industry

The level of information technology and industrial development determines the level of informatization development. my country is in a critical period of transition from following and running side by side to running side by side and leading. We must seize the bull's nose of independent innovation, build a safe and controllable information technology system, cultivate and form an industrial ecology with international competitiveness, and firmly grasp the initiative of development in our own hands.

1. Build an advanced technology system. Formulate a national strategic outline for the development of core technology equipment in the information field, use systematic thinking to make up for single-point weaknesses, build an internationally advanced, safe and controllable core technology system, and drive fundamental breakthroughs in weak links such as integrated circuits, basic software, and core components. Actively strive for and consolidate the global leading position in the fields of new generation mobile communications and next generation Internet, and strive to build comparative advantages in the fields of mobile Internet , cloud computing, big data, and the Internet of Things.

2. Strengthen frontier and basic research. Accelerate the improvement of the basic research system and mechanism, strengthen the main position and leading role of enterprises in innovation, focus on basic frontier technologies and common key technologies in the field of information and communication technology, and increase scientific and technological research. Follow the laws of innovation, focus on long-term development, plan ahead, increase investment guarantees, and provide long-term support for frontier exploration. Implement international exchange projects for the innovation of new generation information technology.

3. Create an industrial ecology of coordinated development. Coordinate basic research, technological innovation, industrial development and application deployment, and strengthen the coordination and interaction of all links in the industrial chain. Increase the added value of products and services, and accelerate the migration of industries to the high end of the value chain. Strengthen the forward-looking layout of patents and standards, and improve the public service system covering intellectual property rights, technical standards, achievement transformation, testing and verification, and industrialization investment evaluation.

4. Cultivate and expand leading enterprises. Support leading enterprises to play a leading and driving role, jointly build R&D centers and technology industry alliances with universities and research institutions, explore the establishment of core technology R&D investment companies, and open up efficient transformation channels for technology industrialization. Deepen the reform of the listing and issuance review system, and support innovative enterprises to go public in China. Support enterprises to set up R&D institutions and expand markets overseas, effectively utilize global resources, and improve the level of international development.

5. Support innovation of small, medium and micro enterprises. Increase support for R&D of innovative technology-based enterprises, implement the policy of additional deduction of enterprise R&D expenses, and appropriately expand the scope of policy application. Improve the technology transaction and enterprise incubation mechanism, and build a policy system of inclusive innovation support. Improve the public service platform, and enhance the independent innovation and sustainable development capabilities of technology-based small, medium and micro enterprises.

2. Strengthen infrastructure and enhance universal services

Ubiquitous and advanced infrastructure is the cornerstone of information development. We must accelerate the construction of a national information infrastructure that covers land, sea, air and space, and continuously improve universal services so that people can understand the world, master information, get rid of poverty, improve their lives and enjoy happiness through the Internet.

6. Coordinate the planning of infrastructure layout. Deepen the reform of the telecommunications industry and encourage enterprises of various ownerships to participate in competition in an orderly manner. Coordinate the needs of national modernization construction, realize the joint construction and sharing of information infrastructure, and promote coordinated development of regions and urban and rural areas. Coordinate the allocation of spectrum resources, scientifically plan the radio spectrum, and improve the efficiency of resource utilization. Strengthen the connection between information infrastructure and the planning and construction of municipalities, roads, railways, airports, etc. Support Hong Kong and Macao to improve the layout of information infrastructure.

7. Enhance the capabilities of space facilities. Focusing on application satellites such as communications, navigation, and remote sensing, establish a sustainable, stable, safe, and controllable national space infrastructure. Scientifically plan and utilize satellite frequencies and orbital resources. Build an integrated space-ground information network, enhance access service capabilities, and promote the interconnection of space and ground facilities. Coordinate the construction and application of the Beidou satellite navigation system, and promote the industrialization and globalization of Beidou. Strengthen remote sensing monitoring of land, atmosphere, and oceans, and enhance the service support capabilities for China's resources and environment, ecological protection, emergency disaster reduction, mass consumption, and global observation.

8. Optimize and upgrade broadband networks. Expand network coverage, improve business carrying capacity and application service levels, and achieve coordinated development of multi-standard networks and services. Accelerate the large-scale deployment and commercial use of the next generation Internet, and promote the integrated development of public communication networks, radio and television networks, and the next generation Internet. Strengthen the strategic layout and technical reserves for the long-term evolution of future networks, and build a national unified test platform. Actively carry out the research and development, standards, and industrialization layout of the fifth generation mobile communication (5G) technology.

9. Improve the level of universal service. Scientifically and flexibly select access technologies and promote rural network coverage in a classified manner. Developed areas should give priority to promoting fiber-to-village. Remote areas, forest and pastoral areas, islands and other regions should adopt mobile cellular, satellite communications and other methods to achieve coverage according to conditions. Areas with dispersed populations, remote locations and harsh geographical conditions can achieve network access by combining population relocation and centralized resettlement. Improve the telecommunications universal service compensation mechanism, establish a long-term mechanism to support the development of broadband networks in rural areas and central and western regions, promote network speed increases and fee reductions, and create conditions for disadvantaged groups in society to use the network.

3. Developing information resources and releasing digital dividends

Information resources are increasingly becoming important production factors and social wealth. The amount of information mastered and the strength of information capabilities have become important indicators of national competitiveness. At present, my country's information resources are underdeveloped and underutilized, while disorderly abuse coexists. We must strengthen top-level design and system planning, improve the system, comprehensively enhance information collection, processing, transmission, utilization, and security capabilities, and build national information advantages.

10. Strengthen the planning, construction and management of information resources. Promote the national overall planning and classified management of key information resources, and enhance the ability to control key information resources. Improve the dynamic update and shared application mechanism of basic information resources. Innovate the construction and operation model of departmental business systems, and gradually realize the separation of business applications and data management. Overall planning and construction of the national Internet big data platform. Gradually carry out social transaction-based data backup and authentication to ensure that data is traceable and recoverable.

11. Improve the level of information resource utilization. Establish an open catalog of public information resources, build a unified, standardized, interconnected, secure and controllable national data opening system, and actively and steadily promote the open sharing of public information resources. Develop the information resource market and promote information consumption. Guide and standardize the value-added development and utilization of public information resources, and support market players to use global information resources to carry out business innovation.

12. Establish a basic system of information resources. Explore the establishment of an information asset rights protection system, implement hierarchical and classified management, and form a full-process management system for key information resources. Strengthen collection management and standard formulation to improve the accuracy, reliability and availability of information resources. Protect personal privacy and corporate trade secrets in accordance with the law to ensure national security. Study and formulate management measures for the cross-border flow of information resources.

(IV) Optimizing the talent team and improving information skills

Talent resources are the first resource, and competition for talent is the ultimate competition. We must improve the mechanisms for talent training, selection, use, evaluation, and incentives, break down barriers, gather talents from all over the world, and provide strong talent support for the development of the cybersecurity and informatization industry.

13. Cultivate a group of leading talents. Relying on major national talent projects, we will increase support for leading talents in information technology, and cultivate world-class scientists, network technology leaders, outstanding engineers, high-level innovation teams and information management talents. We will attract and support high-level overseas talents to return to China to innovate and start businesses, establish a special expert system for overseas talents, lower the threshold for permanent residence for special talents that need to be introduced, explore the establishment of a technical immigration system, and improve my country's ability to allocate talent resources globally.

14. Expand the professional talent team. Build an information technology professional talent training system with higher education and vocational education as the main body and continuing education as the supplement. Set up information technology application courses in ordinary undergraduate colleges and vocational colleges. Promote order-based talent training and establish a training base for information technology talent training. Support joint talent training with high-level overseas institutions.

15. Improve the talent incentive mechanism. Adopt special policies, establish a personnel system, salary system, and talent evaluation mechanism that adapt to the characteristics of cybersecurity and informatization, and break the institutional boundaries of talent mobility. Broaden talent discovery channels, support innovation and entrepreneurship competitions, skill competitions and other activities, and make good use of competitive mechanisms to select special talents. Improve incentive methods such as technology equity and equity options, and establish and improve the income distribution mechanism for intellectual property rights of scientific and technological achievements.

16. Improve the information skills of the people. Improve the information environment of primary and secondary schools and promote basic education in information technology. Carry out comprehensive information technology training and assessment for national staff. Implement the information literacy action plan, give full play to the role of doctoral service teams, college student village officials, college student volunteer service western plan, "three supports and one assistance" and other projects, and provide knowledge and skills training for the elderly, the young, the border, the poor and the vulnerable groups.

(V) Deepen cooperation and exchanges and expand development space

The Internet has truly turned the world into a global village, and has made the international community increasingly a community of shared future where we are all part of each other. We should actively carry out bilateral and multilateral international exchanges and cooperation, jointly respond to the challenges facing cyber security, jointly maintain fairness and justice in cyberspace, and jointly share the opportunities and achievements of the global information revolution.

17. Deepen international cooperation and exchanges. Strengthen coordination and cooperation within international frameworks and multilateral mechanisms such as the United Nations, the Group of Twenty, the BRICS, the Asia-Pacific Economic Cooperation Organization, and the Shanghai Cooperation Organization, and promote the establishment of an international trust-building dialogue mechanism in the field of informatization. Organize and build cooperation channels and establish a global informatization best practice promotion platform. Implement digital economy cooperation projects between China and the United States, China and Europe, China and the United Kingdom, and China and Germany.

18. Participate in the formulation of international rules. Actively participate in the formulation of international cyberspace security rules. Consolidate and develop regional standardization cooperation mechanisms, and actively strive for important positions in the International Organization for Standardization. Actively participate in the formulation of international standards in key technologies and important fields such as mobile communications, next-generation Internet, next-generation radio and television networks, cloud computing, big data, the Internet of Things, intelligent manufacturing, smart cities, and network security. Encourage enterprises, scientific research institutions, social organizations, and individuals to actively integrate into the international open source community.

19. Expand international development space. Promote the informatization development of the "Belt and Road" construction, coordinate the planning of submarine optical cables and cross-border land optical cables, improve the level of international interconnection, and build an online Silk Road. Accelerate the interconnection of information infrastructure with neighboring countries, open up land channels such as Central Asia to West Asia, South Asia to the Indian Ocean , and Russia to Central and Eastern European countries, and actively promote the construction of submarine optical cables in the Americas, Europe, Africa and other directions. Cooperate to build the China-Central Asia Information Platform, the China-ASEAN Information Port, and the China-Arab Online Silk Road. Coordinate the planning of China's global network infrastructure construction, support enterprises to expand overseas business and node layout, and enhance China's influence in the global network.

20. Jointly build a new international cyber order. Adhere to the principles of respecting cyber sovereignty, maintaining peace and security, promoting open cooperation, and building a good order, and promote the establishment of a multilateral, democratic, and transparent international Internet governance system. Actively participate in and promote the internationalization reform of the Internet Corporation for Assigned Names and Numbers (ICANN). Strengthen international cyberspace law enforcement cooperation and promote the formulation of an international anti-terrorism convention in cyberspace. Improve the judicial assistance mechanism for combating cybercrime and jointly maintain peace and security in cyberspace.

IV. Focus on improving the level of economic and social informatization

1. Cultivate the information economy and promote transformation and development

Accelerating the construction of Digital China and vigorously developing the information economy are the top priorities of informatization work. We should focus on promoting supply-side structural reform, give play to the role of informatization in improving total factor productivity, cultivate new development momentum, create more leading development that takes advantage of first movers, and support the evolution of my country's economy to a more advanced form, more optimized division of labor, and more reasonable structure.

21. Promote the deep integration of informatization and industrialization. Accelerate the implementation of Made in China 2025 and promote the innovative development of the industrial Internet. Take intelligent manufacturing as a breakthrough point, accelerate the integration and innovation of information technology and manufacturing technology, products, and equipment, promote smart factories and intelligent manufacturing models, and comprehensively improve the intelligent level of enterprise R&D, production, management, and services. Popularize the management system standards for the integration of informatization and industrialization, deepen the application of the Internet in the manufacturing field, actively cultivate new models such as crowd-innovation design, network crowdsourcing, personalized customization, and service-oriented manufacturing, improve the industrial chain, and create a new manufacturing system.

22. Accelerate the promotion of agricultural modernization. Take informatization as the commanding height of agricultural modernization, promote the application of information technology and intelligent equipment in agricultural production and management, cultivate Internet agriculture, and establish and improve intelligent