Ministry of Housing and Urban-Rural Development： By 2025, a new digital development model of housing provident fund will be basically established.
Cctv newsRecently, the Ministry of Housing and Urban-Rural Development issued the Guiding Opinions on Accelerating the Digital Development of Housing Provident Fund. The details are as follows:
I. General requirements
(1) Guiding ideology.
Guided by Socialism with Chinese characteristics Thought of the Supreme Leader in the New Era, we will fully implement the spirit of the 20th Party Congress, conscientiously implement the relevant requirements of the State Council on strengthening the construction of digital government, widely apply digital technology to housing provident fund management services, promote business process optimization, model innovation and performance improvement, and create a new digital development model of housing provident fund with system-wide business collaboration, all-round data empowerment, all-business online service and full-chain intelligent supervision, so as to better serve depositors and units, the overall situation of housing work, and the national governance system and governance.
(2) Basic principles.
— — Adhere to the overall leadership of the party. We will adhere to the party’s overall leadership throughout the whole process of the digital development of housing provident fund, firmly grasp the correct political direction, and provide fundamental political guarantee for the digital development of housing provident fund.
— — Adhere to the people as the center. Taking better meeting the basic housing needs of housing provident fund depositors as the starting point and the end result, we will use digital technology to solve the difficulties in handling affairs, improve the efficiency of inclusive public services of housing provident fund, and make the achievements of digital development more fair and benefit the broad masses.
— — Adhere to data empowerment. Strengthen data gathering, sharing and utilization in accordance with the law, give play to the role of data as a basic resource and an innovation engine, enrich digital application scenarios, and improve the scientific level of housing provident fund decision-making and the efficiency of management services.
— — Adhere to overall coordination. Strengthen the system concept, enhance system integration, continue to promote the intensive construction of housing provident fund information system, promote technology integration, business integration and data integration, and improve the collaborative management and service level across levels, regions, systems, departments and businesses.
— — Adhere to safety and control. Fully implement the overall national security concept, coordinate development and security, protect personal information according to law, standardize the application of new technologies, improve the security management system, effectively protect data and network security, and prevent and resolve various risks.
(3) Main objectives.
By 2025, a new digital development model of housing provident fund will be basically established, the data resource system and platform support system will be more perfect, a new digital management mechanism, a new service model, a new regulatory situation and a new security line will be initially formed, the service capacity and level of digital management will be significantly improved, a new breakthrough will be made in the development of smart housing provident fund, and the service items "online, handheld, nearby and once" will be easier to handle, and the high-quality development of housing provident fund will achieve remarkable results.
Two, improve the sharing and utilization of data resources system.
(1) Comprehensively strengthen data governance. Strengthen the data management responsibilities of housing provident fund management institutions at all levels, establish and improve a multi-agent collaborative data governance mechanism, and improve the level of data governance and management capabilities. Strengthen the quality management of data in the whole life cycle to ensure that the data is true, accurate and complete. Housing provident fund management center should implement the main responsibility of data management, standardize data collection, improve the quality of newly generated data, carry out the work of improving the quality of existing data, enhance the ability of data checking and error correction by using technical means, and focus on standardizing data semantics, completing missing data and correcting erroneous data. Adhere to step-by-step implementation and handle it steadily, and complete the quality improvement of stock data by the end of 2025.
(2) Achieve efficient data sharing. Establish a national government data catalogue of housing provident fund with unified standards and dynamic management, and implement "one number, one source and one standard" to realize inventory management of data resources. According to the needs of performing their duties, establish a data sharing mechanism according to law, expand the scope of shared data, dynamically update the data sharing interface standards, and do a good job in system docking with application scenarios as the traction. Strengthen the management of data sharing authorization, and encourage qualified places to promote the "availability and invisibility" of data sharing.
(3) Promote the orderly use of data. Collect data on relevant subjects, objects and behaviors involved in housing provident fund management services according to law, and continuously gather multi-source data. Promote data tagging, build thematic databases and related specialized question banks, explore the construction of multi-dimensional data warehouses, use data modeling, data visualization and other technologies to mine the value of data resources, and improve the ability of comprehensive analysis and application of data. Explore and develop data circulation and utilization according to law, and give full play to the value of data elements.
Third, improve the overall collaborative platform support system
(1) Build an overall framework for digital development. Strengthen the top-level design and build an overall framework for the digital development of the national housing provident fund that combines unification and separation, intensive and efficient. The national housing provident fund cloud platform, common applications, small programs and supervision service platforms form an integrated hub to promote the interconnection and collaborative linkage of housing provident fund information systems in various places through the integrated hub.
(2) Building an integrated cloud platform system. In accordance with the requirements of building a national integrated government cloud platform system, we will build a national housing provident fund cloud platform, gradually realize interconnection and intensive sharing with local housing provident fund cloud platforms, and enhance the support capacity of the cloud platform. We will steadily promote the "going to the cloud" of housing provident fund information systems in various places, and encourage the priority selection of cloud platforms that have passed the security assessment of cloud computing services. Information systems containing sensitive personal information shall not be deployed by public clouds.
(3) Form a data convergence and circulation system. Improve the function of the national housing provident fund data platform, encourage the construction of provincial housing provident fund data sharing platform, and promote data convergence and integration. Relying on the existing housing provident fund dedicated line network, the data circulation channel of the Ministry, province and city housing provident fund will be unblocked vertically to realize deep docking and two-way sharing. Promote the Ministry, provincial and municipal housing provident fund data platforms to connect with the government service platform at the corresponding level and the data sharing platform of relevant departments to form a horizontal linkage data sharing channel.
(4) Improve the supporting capacity of common applications. Make use of the common applications such as electronic license and electronic seal of the national government service platform to enrich the application scenarios in the field of housing provident fund, and gradually build a unified national common application of housing provident fund such as unified identity authentication, business collaboration in different places, transfer and connection, and issuance of personal deposit and use certificates. Explore the construction of electronic housing provident fund cards to provide support for business handling and related services in various places. Actively expand the application scenarios of digital RMB. Actively explore new mechanisms for co-construction and sharing, and encourage qualified provinces (autonomous regions) to build a unified housing provident fund business system. The housing provident fund management center should actively use the common applications provided by the Ministry and the province to expand the digital and intelligent application scenarios.
Fourth, establish a new digital management mechanism for data empowerment
(1) Promoting data-aided decision-making. Enhance the awareness of data decision-making, establish and improve the scientific decision-making mechanism aided by big data, promote the transition from empirical decision-making to data decision-making, and cooperate with relevant departments to provide support for the development of digital economy and digital society. Make full use of information resources and strengthen data analysis to provide support for formulating adjustment policies, compiling collection and use plans, judging development trends, and strengthening risk prevention and control. Actively use digital means to understand the needs of the masses, assist scientific decision-making, and respond to the concerns of the masses in time.
(2) Improve the efficiency of management and operation. The housing provident fund management center should use digital technology to optimize the housing provident fund management and operation system in an all-round way, promote business process reengineering, and realize accurate and efficient business audit and fast and safe fund settlement. Implement the "Housing Provident Fund Business Archives Management Standard" to improve the digital management level of business archives. Deepen business cooperation with relevant functional departments and institutions, innovate business handling methods with data sharing, expand the coverage of housing provident fund system, expand the benefit of fund use, and improve management and operation efficiency. Establish a standardized and efficient fund operation mechanism, dynamically monitor the liquidity situation, strengthen the analysis of fund operation, promote the rational allocation of funds, and improve the level of refined fund management.
(3) Improve the level of risk prevention and control. The housing provident fund management center should expand the dimension of risk-related information acquisition, identify potential risk points, strengthen digital risk early warning, and enhance the foresight and predictability of risk management. The digital risk control model is embedded in the business process to improve the compliance of business handling. Deepen the use of electronic inspection tools, strengthen the investigation and rectification of potential risks, summarize the characteristics and occurrence laws of risks, and further improve the digital risk control model. Strengthen data docking with public security, civil affairs, real estate registration, real estate management, people’s bank, commercial banks, guarantee and other departments and institutions, implement loan risk classification management, dynamically monitor the status of collateral, grasp the loan risk status, and formulate early warning measures to ensure the safety of funds.
V. Building a convenient and efficient new digital service model
(1) Promote standardization, standardization and facilitation of services. Prepare the basic catalogue and implementation list of national housing provident fund services, and establish a dynamic adjustment mechanism. According to the basic catalogue and implementation list of national housing provident fund services, all localities should compile the catalogue and implementation list of local services. Promote the national unification of the acceptance conditions, service objects, handling procedures, application materials, legal time limit for completion and handling results of the same service item. Optimize the function of the integrated service platform, promote the whole process of online service, and promote the "7×24" hour online service. According to the needs and habits of the masses, optimize the page design, simplify the operation, and realize "you can understand at a glance and do it at a little".
(2) Promote cross-regional and cross-departmental coordination of services. Constantly improve the cooperative handling mechanism of business in different places, and use digital technology to improve the efficiency of information investigation and business liaison. The housing provident fund management center should promote the docking and integration of the business system and the national housing provident fund supervision service platform, optimize the process of handling business in different places, compress the processing time limit, and effectively improve the synergy efficiency of "inter-provincial communication". Promote cross-departmental service matters "one thing at a time", and actively integrate the business of housing provident fund deposit and withdrawal with many related matters such as enterprise start-up, employee recruitment and employee retirement, so as to realize "one notification, one application form, one set of materials, one window (end) acceptance and one network handling".
(3) Expand intelligent and accurate digital service scenarios. The housing provident fund management center should use multi-source data to accurately "portrait" depositors and depositors, actively discover the needs of service targets, and intelligently push policies and services. Efforts will be made to expand service scenarios, extend service tentacles, use smart mobile devices to break down channel barriers, and actively deliver services to depositors. In online service channels such as online business hall and 12329 housing provident fund hotline, we will promote the application of intelligent services such as intelligent response and intelligent outbound call. In-depth analysis of "good and bad reviews", policy consultation, business handling and other data, timely discover the blocking points and difficulties of the masses, and continuously optimize and innovate the service model.
Sixth, create a new situation of coordinated digital supervision
(1) Enriching digital supervision means. Establish and improve the digital supervision index system, evaluate the operation of housing provident fund management in multiple dimensions, and promote the classification and supervision of housing provident fund management centers. Supervision departments at all levels should comprehensively use online supervision means such as the national housing provident fund supervision service platform and electronic inspection tools to dynamically monitor and judge the risk status of key issues such as policy implementation, loan management and fund operation, find problems in time, urge classified disposal, and form a closed loop of rectification.
(2) Promote multi-dimensional supervision and coordination. Establish and improve a cross-level, cross-departmental and cross-regional collaborative supervision mechanism, strengthen the linkage between online and offline, daily and special, internal and external supervision, and implement on-site supervision on key issues and regions. Strengthen the sharing of regulatory information, do a good job in regulatory coordination with departments such as finance and the People’s Bank of China, and promote the rectification of problems in combination with the supervision opinions of auditing and other departments to improve the pertinence and effectiveness of supervision. Innovatively carry out credit supervision, use public credit information such as housing provident fund deposit and withdrawal, untrustworthy executors, and credit information of the People’s Bank of China to explore the establishment of a joint incentive mechanism for trustworthiness and a joint punishment mechanism for dishonesty.
Seven, build a stable and reliable new line of defense for digital security
(a) the full implementation of safety management responsibilities. Fully implement the main responsibility and supervision responsibility of safety management in the digital development of housing provident fund, further enhance safety awareness, improve safety assessment, monitoring and early warning, emergency drills, incident handling and other mechanisms, and effectively build a security line. Strengthen the standardized management of enterprises involved in the informatization construction and operation of housing provident fund, and ensure that the boundaries of information system and data security management are clear, responsibilities are clear, and responsibilities are implemented.
(2) Effectively guarantee data and network security. Implement the data classification and classification protection system, clarify the data use authority, scope of application, security measures, etc., establish and improve the internal control mechanism of data security, and increase data protection. Strengthen the safety management of data in the whole life cycle, and strengthen technical protection measures such as safety monitoring, data encryption, data desensitization and authorized access. Strictly implement the network security level protection system, and regularly organize self-inspection, detection and evaluation of network security and password application. Strengthen the construction of network security infrastructure, make full use of technologies such as intelligent perception and threat prediction, strengthen daily monitoring, and continuously improve network security protection capabilities.
(3) Focus on standardizing the construction of information systems. In accordance with the requirements of "Guidelines for the Informatization Construction of Housing Provident Fund", we will promote the application of platform, component and service architecture design to ensure the high availability and scalability of the information system. The upgrading of the housing provident fund business system should meet the requirements of basic data standards and access standards of settlement application systems, give priority to general system solutions, and standardize the application of new information technologies such as artificial intelligence and biometrics. The infrastructure, application system, safety protection and other construction contents of the housing provident fund information system shall not be all undertaken by the same enterprise.
VIII. Safeguard measures
(1) Strengthen organizational leadership and overall coordination. The housing and urban-rural construction departments of all provinces (autonomous regions) should strengthen supervision and guidance, make overall plans to promote the digital development of housing provident fund within their respective administrative areas, and actively publicize and promote typical cases. Under the unified leadership of the local Party committee and government, the Housing Provident Fund Management Committee should give full play to the role of decision-making coordination and establish a coordinated mechanism for digital development with the participation of multiple departments. The housing provident fund management center should establish a normalized working mechanism with the principal responsible person as the first responsible person, scientifically formulate the implementation plan for digital development, improve the assessment and incentive mechanisms, explore and optimize the organizational structure, and comprehensively promote the digital development of housing provident fund.
(2) Strengthen talent building and fund guarantee. Establish and improve a multi-level and normal training mechanism, continuously improve the digital thinking, digital skills and digital literacy of cadres, innovate the introduction, training and use mechanism of digital talents, build a compound cadre team that is political, professional and skilled, and a qualified housing provident fund management center can establish the chief data officer system. Establish a team of experts to promote digital development and strengthen training and guidance for digital development. All localities should actively strive for the support of local party committees and governments and relevant departments, rationally arrange the distribution of value-added income and management expenses of housing provident fund, and ensure the capital investment demand for the digital development of housing provident fund.
(three) improve the laws and regulations and standards system. In accordance with the requirements of digital development, we will promote the improvement of relevant laws and regulations on housing provident fund. Improve the standard system for the digital development of housing provident fund, and speed up the formulation and improvement of data, system construction, business and services. All localities should earnestly implement relevant laws and regulations, national and industry standards, and improve supporting measures and implementation rules.