Talking about the construction of three important systems for the information technology security of financial technology

With the rapid development of Fintech, its scale and trading volume are rising, which puts forward higher requirements and standards for the information technology security of Fintech. At present, the development of financial technology is facing a variety of information technology security risks, such as network security, platform security and information and data security. Once security risks occur, they will not only threaten the interests of users, but also bring huge losses to financial technology enterprises themselves, destroy the development of the entire industry, and even bring systemic financial risks. Therefore, it is necessary to pay high attention to the information technology security risks of Fintech and build the information technology security system of Fintech with the joint efforts of all social participants.
1、 Build the financial technology information technology security system
（1） Establish and improve laws and regulations on financial technology supervision
First of all, we should improve the laws and regulations of Fintech and build a legal system of Fintech. This requires the establishment of financial technology information security industry standards, raising the security access threshold of financial technology enterprises, and clarifying the legal status of financial technology enterprises, the regulatory responsibilities of financial supervision departments and the government, and the access and exit mechanism of financial technology industry.
Secondly, we need to build a multi-level, cross-industry and cross-regional financial technology regulatory system that includes one bank, three committees, judicial and tax departments.
In addition, we should also strengthen the protection of FinTech consumer rights and gradually improve the legal system framework of FinTech consumer rights and interests protection. This requires strengthening the construction of credit environment, improving the information disclosure system, unblocking the complaint acceptance channel of financial technology consumption, and establishing a coordination and cooperation mechanism for consumer protection.
（2） Strengthen the construction of financial technology information security technology system
Strengthen the construction of financial technology information security technology system, remove the dependence on foreign products in core software and hardware, develop core technology with highly independent intellectual property rights, use domestic software and hardware equipment in key areas and key links of financial technology, and improve the information security risk prevention ability of financial technology industry.
In addition, we need to increase investment in information security technology, establish a standard system based on cloud computing and big data, and realize long-term and effective security protection of financial technology from the entire information system life cycle.
（3） Build an emergency system for risk assessment of financial science and technology information security
In view of the current development characteristics of Fintech, we should learn from the experience and practice of international advanced risk assessment norms and build a Fintech security risk assessment emergency system., Analyze the vulnerabilities, threats and vulnerabilities of the Fintech information security system from the perspective of risk management, assess the possible hazards when information security events occur, and propose corrective measures and corresponding countermeasures to improve the prevention and response capabilities of Fintech information security risks. We will attach great importance to and continue to promote the construction of the system disaster preparedness and emergency response system of Fintech, normalize emergency drills, and establish a third-party evaluation mechanism to ensure the information security of Fintech.
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Build the security risk prevention and internal control system of financial technology and information technology
（1） Improve the information security risk prevention and response capability of Fintech
First of all, financial technology enterprises should attach importance to and improve the information security risk prevention and response capabilities of terminal equipment, reduce the dependence on foreign advanced technology, use domestic software and hardware products as much as possible, take the development of technology as an important means of risk management, and strive to establish a network security protection system to reduce security risks.
Secondly, to improve the security risk prevention ability of financial business transactions, we should provide sufficient security in the business transactions, mainly including the login and payment of the transaction platform.
In addition, the ability to prevent information security risks in data transmission should also be improved. The transmission link of data is also an important target for hackers to attack, so it is necessary to introduce electronic authentication technology and other measures to improve the information security of data in the transmission process.