ICS03.060 CCSA11 JR 中华人民共和国金融行业标准 JR/T0269—2023 银行业普惠金融业务数字化模式规范 Specificationofdigitalfinancialinclusionbusinessmodelinbanking industry 2023-07-25发布 2023-07-25实施 中国人民银行  发布JR/T0269—2023 I目次 前言.................................................................................III 1范围................................................................................1 2规范性引用文件......................................................................1 3术语和定义..........................................................................1 4缩略语..............................................................................2 5关键举措............................................................................2 6普惠金融数据管理....................................................................4 6.1概述............................................................................4 6.2数据要素........................................................................5 6.3数据采集........................................................................5 6.4数据整合........................................................................5 6.5数据应用........................................................................6 6.6数据全生命周期安全管理..........................................................6 6.7确认方式........................................................................6 7普惠金融场景生态建设................................................................6 7.1概述............................................................................6 7.2场景发现........................................................................7 7.3场景搭建........................................................................7 7.4场景运营........................................................................7 7.5生态构建........................................................................8 7.6确认方式........................................................................8 8普惠金融客户服务....................................................................8 8.1概述............................................................................8 8.2客户识别........................................................................8 8.3客户获取........................................................................8 8.4客户激活........................................................................9 8.5客户留存........................................................................9 8.6确认方式........................................................................9 9普惠金融风险管控....................................................................9 9.1概述............................................................................9 9.2准入与评价.....................................................................10 9.3额度管理.......................................................................10 9.4线上签约.......................................................................10 9.5风险监控与处置.................................................................11 9.6欺诈管控.......................................................................11JR/T0269—2023 II9.7确认方式.......................................................................12 10普惠金融系统支持..................................................................12 10.1概述..........................................................................12 10.2普惠金融业务管理类系统功能模块................................................12 10.3客户服务类系统功能模块........................................................12 10.4确认方式......................................................................13 11普惠金融客户权益保护..............................................................13 11.1概述..........................................................................13 11.2个人金融信息保护..............................................................13 11.3产品和服务信息披露............................................................13 11.4营销宣传......................................................................14 11.5争议处理......................................................................14 11.6确认方式......