On June 17, the Consumer Finance Innovation and Development Summit in the Fintech era was held in Beijing. The meeting focused on consumer finance innovation, fintech and other hot topics in Internet finance. The host City launched a "Joint Initiative on Personal Information Protection" activity at the summit. As the guest of this meeting, YunQianbao signed the "Personal Information Privacy Rights and Interests Protection Initiative" with more than 50 enterprises such as Baidu Finance, Jingdong Finance, 51 Credit Card, demonstrating YunQianbao's responsibility and responsibility in protecting users' privacy.
Four discussion topics were established in the conference: strategic layout and innovation of consumer finance in the Fintech era, scene innovation and cross-border cooperation of consumer finance, big data credit investigation and anti-fraud of consumer finance, and reconstruction of new ecology of consumer finance by Fintech. Wan Cunzhi, director of the credit Investigation Bureau of the People's Bank of China, was the first speaker at the meeting, followed by Sun Guofeng, director of the Institute of Finance and Banking of the People's Bank of China, and Zhang Jianhua, president of Huaxia Bank, delivered keynote speeches respectively.
On the relationship between consumer finance and economic growth, Sun Guofeng, director of the Financial Research Institute of the People's Bank of China, said at the meeting: "Currently, China has entered a stage of balanced economic growth driven by consumption and investment, and consumption plays an important role in supporting economic growth and economic structural transformation and upgrading."
Wan Cunzhi, director of the credit Investigation Bureau of the People's Bank of China, believes that the core problem is the borrowing of funds by individuals as consumers, and whether consumers can borrow and repay money successfully depends on the credit status of consumers as individuals. In his view, credit makes the most sense when it is linked to financial benefits.
It is worth noting that with the official implementation of the Cyber Security Law of the People's Republic of China on January 1, cyber security has been raised to the legal level. Before this symposium, YunQianbao and the participants jointly signed the "Personal Information Privacy Rights Protection Initiative". In terms of protecting users' privacy, both traditional financial institutions and Internet financial companies have an unshirkable responsibility. The activity proposes all institutions engaged in credit investigation and related financial business, including Cloud Money Bag:
1. Adhere to the protection of personal information privacy rights and interests, maintain business transparency, and prevent personal information from being over-collected, improperly processed and illegally used;
2. Adhere to the legality of the business, do not infringe on personal privacy and business secrets, and safeguard the legitimate rights and interests of the information subject;
3, the use of information must be authorized, adhere to the specific purpose of specific authorization;
4. Adhere to independence, ensure the independence of corporate governance structure and business, and avoid conflicts of interest;
5. Uphold fairness, reflect social fairness and justice, improve transaction efficiency, reduce transaction costs, and promote inclusive finance;
6. Strengthen the construction of enterprise internal control system, improve the internal supervision and accountability mechanism of personal information protection;
7. Accept supervision from the masses and society, and eliminate illegal activities related to personal information;
8. Abide by the self-discipline rules and industry standards of personal information protection, and strive to set an example in the industry;
9. Jointly maintain the long-term and sound development of the industry, and promote the construction of an honest society while promoting the upgrading of the real economy and consumption.
As an Internet financial enterprise, YunQianbao has the obligation to be more capable of protecting user information security. In terms of website construction, Yunqianbag.com has obtained the record certificate of information system security level protection issued by the Ministry of Public Security, which fully shows the reliability of Yunqianbag.com system in information security.
In terms of website maintenance, cloud pocket uses cloud shield to effectively intercept SQL injection and XSS cross-site, website hanging, tampering and other attacks; A three-layer firewall is used to isolate the access layer, application layer and data layer clusters of the system to ensure effective disaster recovery and backup and transaction security.
In terms of user information security, when each user operating on the platform lends or borrows money, Cloud Moneybag will sign an electronic agreement with legal effect to stipulate the rights and obligations of both parties and ensure the confidentiality of user information. The Cloud Money Bag system uses Ali Financial Cloud, which has bank-level security. Meanwhile, Cloud Moneybag has CFCA certification, which can ensure the integrity of the platform data business data, and the transaction data has the characteristics of confidentiality, non-repudiation, tamper-proof and verification. All user information is protected by SSL encryption to ensure user data security.
It is the responsibility and obligation of every Internet financial enterprise to promote the construction of an honest society. Cloud money Bag uses advanced technology to firmly lock user privacy data and ensure that user data is not leaked. The use of advanced risk control system, cloud pocket real-time risk control, real protection of user funds, so as to contribute to the construction of an honest society.
