AI Phone "Access Denied Without Authorization"! Exclusive Interview with National Committee of the Chinese People's Political Consultative Conference Member Jiang Haoran: The Financial Sector Also Needs Dual Authorization

This article is from Times Weekly, by Wang Miaomiao and Lu Yongzhi.

During the 2026 National Two Sessions, the deep integration of digital economy and real economy once again became a focus. Jiang Haoran, member of the National Committee of the Chinese People’s Political Consultative Conference, Secretary of the Party Committee and Chairman of Hengyin Financial Technology Co., Ltd., presented multiple proposals, continuously focusing on core issues such as empowering the real economy through financial technology, high-quality development of private enterprises, and artificial intelligence governance.

In an exclusive interview with Times Weekly, Jiang Haoran emphasized that developing new quality productive forces must adhere to the important methodology of “adapting to local conditions,” firmly oppose the concept of “labeling” and “one-size-fits-all” policies. He pointed out that in the field of financial technology, only through differentiated policy guidance and precise allocation of financial resources can we avoid resource waste caused by blind investment and truly enable the upgrading of traditional industries.

At the same time, he specifically called for breaking the “binary opposition” mindset between traditional and emerging industries, promoting a shift from “technology-driven” to “demand-driven” technological R&D, so that financial technology can truly take root in the fertile soil of traditional industry upgrades. From building a diversified platform for “government-finance-enterprise-media” integration to solve financing bottlenecks for private enterprises, to extending AI mobile governance ideas to financial intelligent terminals to safeguard data security, Jiang’s suggestions directly target key pain points in the current reconstruction of the digital financial ecosystem, outlining a clear path for the implementation of financial support for new quality productive forces.

Member of the National Committee of the Chinese People’s Political Consultative Conference, Chairman of Hengyin Financial Technology Co., Ltd., Jiang Haoran. Photo provided by the interviewee.

Developing new quality productive forces “adapting to local conditions” to unblock financial empowerment of the real economy

“Adhering to the important methodology of ‘adapting to local conditions’ to empower the development of new quality productive forces,” Jiang Haoran pointed out that some regions are showing signs of “labeling” and “one-size-fits-all” approaches when developing new quality productive forces, even opposing traditional industry upgrades and emerging industry cultivation. This “binary opposition” mindset can easily lead to resource misallocation.

To avoid blind investment in financial technology, Jiang proposed “differentiated guidance” and “precise resource allocation.” He believes that financial support should not be a “flood irrigation” approach but must strengthen classified guidance and differentiated assessments. Specifically, this involves enhancing classified guidance and differentiated evaluations to prevent blind deployment of popular financial technology sectors; establishing risk warning and correction mechanisms for new quality productive force projects to prevent haphazard development.

In his view, the greatest value of financial technology lies not in its technological advancement but in its ability to penetrate and transform traditional industries. He highlighted practical paths such as using big data to break data silos: “For example, analyzing data from business registration, taxation, and transaction flows to build precise enterprise profiles, helping banks with quota calculations and risk monitoring.” Demand-driven technological applications are key to avoiding the “binary opposition” mindset.

Jiang emphasized: “We need to avoid thinking that ‘emerging technologies oppose traditional hardware,’ and promote a shift from ‘technology-driven’ to ‘demand-driven’ R&D, developing tailored solutions based on customer characteristics and needs, ensuring precise resource investment, avoiding waste, and truly empowering traditional industries through financial technology.”

Regarding long-standing issues in financing private and small micro enterprises, Jiang proposed building a diversified “government-finance-enterprise-media” platform in his proposals this year. He pointed out: “Currently, there are objective bottlenecks in credit issuance, risk assessment, and data integration for serving private enterprises, requiring joint efforts from financial institutions and fintech companies.” This platform aims to break down collaboration barriers among entities, enabling precise policy delivery and efficient credit deployment.

He also called for establishing innovative cooperation mechanisms, encouraging deep collaboration between financial institutions and tech companies in technology, talent, and market resources, jointly conducting policy interpretation and project matchmaking activities, strengthening mutual understanding and trust, and integrating into national strategies and local development. By solving data silo issues, the platform can effectively enhance fintech service capabilities, turning policy dividends into tangible financing gains for enterprises.

Building a secure digital financial ecosystem: from “tool substitution” to “ecosystem reconstruction”

As AI technology deeply penetrates finance, issues of data security and privacy protection are increasingly prominent. Jiang emphasized in his proposal on AI mobile phones this year the “non-authorized access” dual authorization principle, extending this governance idea to financial intelligent terminals.

“In my proposal to promote healthy and sustainable development of the AI mobile phone industry, I emphasized the ‘non-authorized access’ dual authorization principle, prevention of permission abuse, and boundary regulation of data collection,” Jiang told Times Weekly. He believes that the same strict “user authorization-APP authorization” dual mechanism should be implemented in finance, ensuring every data access has a clear basis.

For financial intelligent terminals, he proposed more proactive and strict regulatory measures. “Pre-approval should be strengthened, focusing on system-level permissions like screenshots and simulated clicks during network access licensing, and establishing a service filing and dynamic audit system for intelligent agents.”

Regarding data collection and use, he stressed the need to regulate boundaries, develop clear lists of functions and information collection, prioritize reliable technical methods like interfaces and protocols, and prevent over-collection of data. Especially under the edge-cloud collaboration architecture, it is necessary to “clarify the scope of on-device data processing and conditions for cloud transfer, and establish independent third-party audit mechanisms.” Through both institutional and technical measures, a secure and trustworthy financial intelligent ecosystem can be built, safeguarding compliance while enabling AI-driven innovation.

On a broader level, Jiang keenly observed that digital finance is undergoing a profound transformation from “tool substitution” to “ecosystem reconstruction.” In this process, fintech companies and traditional banks are not in a zero-sum competition but are partners in value co-creation.

“Currently, digital finance is shifting from ‘tool substitution’ to ‘ecosystem reconstruction.’ Fintech firms need to work closely with banks and other financial institutions to jointly build a secure, inclusive, and sustainable digital financial ecosystem,” Jiang said. He advocates shifting R&D focus toward “demand-driven” development, such as “developing customized solutions based on regional economic characteristics and bank needs, like joint R&D of training machines and AI edge servers to meet scenario-specific and tailored service demands.”

Looking ahead to 2026, Jiang is full of expectations for financial support of new quality productive forces. He calls for deep integration of industry, academia, research, and application, improving the digital financial regulatory framework, and clarifying standards for data collection, use, and circulation. Ultimately, he envisions a collaborative advancement of technological innovation and institutional regulation to build a safe, inclusive, and sustainable digital financial ecosystem, fostering the growth of new quality productive forces and high-quality development of tech-driven enterprises.