National Financial Regulatory Administration

The National Financial Regulatory Administration (国家金融监督管理总局), established in 2023 as the successor to the China Banking and Insurance Regulatory Commission, is China's primary supervisory authority for the banking and insurance sectors. In the context of digital humans, the NFRA is relevant both as a policy issuer and as a direct adopter. On the policy side, it released the Implementation Plan for High-Quality Development of Digital Finance in Banking and Insurance (《银行业保险业数字金融高质量发展实施方案》), a framework that positions data and digital technology as core drivers of financial service transformation, with digital humans implicitly situated within the broader push for AI-enabled customer-facing services. On the deployment side, regional bureaus under the NFRA have operationalized digital humans directly: the Heilongjiang bureau, for instance, deployed a consumer protection digital human (消保数字人) as part of online public outreach campaigns, pairing it with animated content and anti-fraud short dramas to improve financial literacy and regulatory communication. This dual role — as both a regulator shaping the conditions under which financial institutions adopt digital human technology and as a government entity itself deploying digital humans for public engagement — places the NFRA among the institutional actors actively normalizing digital human use within China's financial governance infrastructure. 

https://www.nfra.gov.cn