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The State Administration of Financial Supervision recently issued the "Notice on Strengthening the Management of Mobile Internet Applications in the Banking and Insurance Industry" (hereinafter referred to as the "Notice")，The heads of relevant departments and bureaus of the State Administration of Financial Supervision answered reporters’ questions regarding the “Notice”。

1. What is the background and significance of formulating the "Notice"?

In recent years，Mobile Internet applications (hereinafter referred to as mobile applications) have become banking financial institutions、An important channel for online services for financial institutions and financial holding companies in the insurance industry (hereinafter collectively referred to as financial institutions)，While improving the convenience of financial services，There are also a huge number、Duplicate function、Problems such as low user satisfaction and activity。In order to implement the information technology regulatory requirements for the banking and insurance industries，Guide financial institutions to build mobile applications in an orderly and standardized manner，Improve financial service level，The State Administration of Financial Supervision issued the "Notice"。

"Notice" addresses current problems，Require financial institutions to strengthen coordination，Incorporate mobile application management into a comprehensive risk management system，Effectively control risks caused by mobile applications，Also urge financial institutions to further strengthen dafabet live casinoservices，Improve user experience，Conducive to standardizing the construction and management of mobile applications in the banking and insurance industries，Improving the security level and financial service level of mobile applications of financial institutions，Build a solid line of defense against information technology risks。

2. What is the main content of the “Notice”?

The "Notice" puts forward 18 work requirements from four aspects，First, strengthen overall management，Require financial institutions to clarify the leading department for mobile application management、Create a mobile application account、Improve the access and exit mechanism、Control the number of mobile applications;The second is to strengthen full life cycle management，Requirements analysis requiring financial institutions to standardize mobile applications、Design and development、Test verification、Published、Monitoring operations and other aspects，Enhance the compatibility of mobile applications and operating environments、Adaptability Management;The third is to implement risk management responsibilities，Require financial institutions to implement mobile application registration、Data Security、Data Security、Outsourcing management、Regulatory requirements such as business continuity and personal information protection;The fourth is to strengthen supervision and management，Require offices of the State Administration of Financial Supervision at all levels to strengthen the supervision of mobile applications。

3. What is the main target of the "Notice"?

The "Notice" regulates mobile applications of financial institutions，Including applications that provide financial services to customers，And internal management applications，Also covers mini programs operated by financial institutions on various Internet platforms、Public account, etc.。

Four、What are the main responsibilities dafabet live casinoof the mobile application leading management department?

"Notice" requirements，Financial institutions should clarify the leading management department for mobile applications，Strengthen overall management，Strengthening collaboration between business and technology，Consolidate the management responsibilities of all parties，Comprehensive planning and construction functions、Secure and compliant mobile applications。Financial institutions should establish mobile application ledgers，Improve the access and exit mechanism，Coordinate the mobile application construction planning of each business department and each branch，Reasonably control the number of mobile applications，Low user activity、Poor experience、Functional redundancy、Mobile applications with high security compliance risks should be optimized and integrated in a timely manner or operations terminated。

　五、What requirements does the "Notice" put forward for compliant business development through mobile applications?

"Notice" requirements，Financial institutions should establish a compliance review mechanism for mobile application business (including third-party cooperation business)，Carry out business strictly in accordance with the business scope and geographical scope specified in the license，The sales process can be traced back according to regulatory requirements、Information disclosure and other work，Conduct regular business compliance inspections and audits。

Six、What requirements does the "Notice" put forward for the integration of mobile applications of financial institutions?

"Notice" requirements，Financial institutions should strengthen the overall management of mobile applications，Create a mobile application account，Improve the access and exit mechanism，Coordinate the mobile application construction planning of each business department and each branch，Reasonably control the number of mobile applications。Low user activity、Poor experience、Functional redundancy、Mobile applications with high security compliance risks should be optimized and integrated in a timely manner or operations terminated。Financial institutions carry out mobile application demand management，Similar and homogeneous business needs should be integrated，Enable mobile applications dafabet online sports betting appto have relatively independent and complete business scenarios and functions。On the premise of complying with the requirements of the "Notice"，Each financial institution can decide according to its own situation，Develop integration standards，Do a good job of risk assessment during the integration process、Data migration、Privacy Protection、Management work such as user notification。

Seven、How to define the data security responsibilities of financial institutions’ mobile applications in the “Notice”?

The "Notice" clarifies "who is in charge of business、Who manages business data、The principle of “Who cares about data security”，Financial institutions must consolidate the data management responsibilities of business management departments，Work with the information technology department to manage business data security。The "Notice" also puts forward requirements for data security in outsourcing services，Organizations should strictly control data access rights of outsourced service providers in accordance with the principles of “need to know” and “least authorization”，Urge them to strengthen data security management，Prevent data leakage。

八、What requirements does the "Notice" put forward for the protection of personal information in mobile applications of financial institutions?

"Notice" requirements，Financial institutions should strictly implement national laws, regulations and regulatory requirements，Establish a mobile application personal information protection system，Standardize personal information management，Follow "Legal、Legitimate、Collect personal information based on “necessity” principle，Inform users of the purpose of collecting personal information、How to use and protect personal information，Announcement of complaint channel information，Promptly handle issues related to information leakage and privacy compliance，Protect consumer rights。

Source: State Financial Supervision and Administration