2 2026年是中国"十五五"规划的开局之年，也是经济结构深化转型、开放水平持续提升的关键节点。面对 新质生产力的蓬勃发展与全球产业链的重构机遇，金融业如何升级服务能力、创新业务模式、坚守风险 与伦理底线，已成为行业共同探讨的命题。 在此背景下，南都·湾财社发起《开局2026：在新周期起点上》高端访谈系列，本期专访渣打银行（中 国）有限公司企业及投资银行业务总经理施旅，从科技金融、绿色转型、跨境服务与数字化治理等多个 维度，分享其对银行业未来演进路径的思考与实践，为行业在新时代下的价值重塑提供有益参照。 渣打银行（中国）有限公司企业及投资银行业务总经理 施旅 1 构建覆盖科创企业全周期的金融服务体系 南都·湾财社：在政策鼓励科技金融、绿色金融的背景下，您认为银行业在支持新质生产力发展过程 中，自身面临哪些核心能力升级需求？渣打银行在组织架构、风控模式或产品设计上，是否有相应调整 以呼应这一趋势？ 施旅：中国正加速培育以创新为主导的新质生产力，高科技企业随之蓬勃涌现，日益成为经济增长的重 要驱动力。银行业需围绕科创企业的生命周期，构建覆盖不同阶段的综合服务能力。渣打银行较早便组 建了新经济团队，并推出"陪跑计划 ...

Group 1 - The core point of the article highlights a significant decrease in the prosecution of dangerous driving crimes, with 236,000 cases accepted and 211,000 cases prosecuted, representing a year-on-year decline of 22.1% and 17.2% respectively [1] - The prosecutorial efforts against organized crime have been intensified, with 8,528 individuals prosecuted for gang-related crimes and 58 for being "protective umbrellas" for such activities from January to November 2025 [1] - The article mentions the ongoing crackdown on various crimes affecting public safety, including drug-related offenses, with 446,000 prosecutions, and a focus on enhancing the handling of drunk driving cases [1] Group 2 - The article discusses the advancement of legal governance in the online space, with 166,000 prosecutions for crimes committed via the internet from January to November 2025 [2] - It emphasizes the legal actions taken against violations of personal information, with 5,440 individuals prosecuted, and the handling of 4,086 public interest lawsuits [2]

Core Viewpoint - The Chinese judicial system is intensifying efforts to protect the rights of minors and prevent crimes against them, with a notable decrease in juvenile crime rates reported for 2025 [1] Group 1: Crime Statistics - In the period from January to November 2025, the prosecution of juvenile crimes reached 85,000 cases, reflecting a year-on-year decrease of 9.7% [1] - The prosecution of crimes involving sexual assault and harm against minors totaled 66,000 cases during the same period, showing a year-on-year decline of 1.9% [1] Group 2: Legal Measures and Initiatives - The Supreme People's Procuratorate, in collaboration with the Supreme People's Court and the Ministry of Public Security, has established guidelines for strictly punishing and preventing crimes against minors, emphasizing a "zero tolerance" policy [1] - The judicial system is focusing on enhancing legal supervision over specialized education and correctional programs for minors, particularly those involved in serious violent crimes [1] Group 3: Collaborative Protection Efforts - There is a push for a collaborative approach to protect minors, involving families, schools, society, the internet, government, and the judiciary, referred to as the "six major protections" [1] - The establishment of specialized schools and the development of guidelines for handling public interest litigation cases related to minor protection are part of the comprehensive efforts to safeguard minors' well-being [1]

按照公开履历，熊焘2002年加入工商银行广东省分行，职业履历路径也比较清晰。2007年前后，他从授 信审批部转岗至投资银行部，并逐步升任该部副总经理、总经理。他也有二级分行的历练，曾先后担任 河源分行行长、东莞分行行长等职。2023年，他出任工行广东省分行副行长，期间曾兼任广州分行行 长。 南都湾财社记者注意到，熊焘是一位从工行成长起来、拥有丰富的对公业务和分行管理经验，其任命成 为工行在关键区域进行的一次重要人事布局。 实际上，工行广东省分行是工行体系的一面旗帜。按照其官网描述，广东省分行是工行系统最大的省级 分行，个人客户接近8000万，对公客户为138万。 一纸批复，意味着"宇宙行"在深圳有了新动作。1月中旬，深圳金融监管局批复了"熊焘中国工商银行深 圳市分行行长任职资格"，这意味着深圳工行"掌门人"正式落定。南都湾财社记者注意到，早在2025年 底，深圳工行已经"换将"，原分行行长董建军调任总行战略管理与投资者关系部总经理，其职位由工行 广东省分行副行长熊焘接任。 截至2025年2月末，深圳工行科技企业投融资余额超1500亿元，累计为超15000家科技企业提供全方位金 融支持，聚焦机器人、人工智能等硬 ...

Group 1: Criminal Prosecution Supervision - In the period from January to November 2025, the prosecution filed 5,205 appeals against criminal judgments deemed erroneous, with 3,990 cases adjudicated by the courts, of which 71.5% resulted in retrials or reversals [1] - The prosecution issued 10,400 corrective opinions on illegal activities in criminal trials, achieving a 91.2% acceptance rate [1] - The prosecution supervised 15,000 cases where investigations should have been initiated but were not, and 39,600 cases where investigations were improperly initiated, along with 79,000 written corrective opinions on illegal investigative activities [1] Group 2: Civil Prosecution Supervision - From January to November 2025, the prosecution filed 9,833 appeals and retrial recommendations against erroneous civil judgments, with 7,201 cases adjudicated, where 90.5% resulted in retrials, reversals, or settlements [2] - The prosecution issued 85,000 corrective opinions on illegal activities in civil trials, with an acceptance rate of 83.6% [2] - A special activity was launched to supervise the execution of civil cases, resulting in the restoration of over 3,300 cases and the recovery of 970 million yuan [2] Group 3: Administrative Prosecution Supervision - In the same period, the prosecution filed 547 appeals and retrial recommendations against erroneous administrative judgments, with 308 cases adjudicated, where 75% resulted in retrials, reversals, or settlements [2] - The prosecution issued 27,000 corrective opinions on illegal activities in administrative trials, achieving an acceptance rate of 85.02% [2] - The prosecution conducted non-litigation execution supervision in the social security sector, handling 3,514 related cases and promoting the substantive resolution of 3,696 administrative disputes [2]

2026年广州市政府工作报告首次将"深入挖掘内外需潜力"置于首位。专家指出，将"深入挖掘内外需潜 力"置于首位，是广州落实"双循环"的重要举措，有助于广州打造国内大循环的中心节点城市、巩固国 际商贸中心地位。 "国际化消费环境建设""打造'广货优品 广贸全球'外贸城市IP""拓展中间品贸易"首次写入广州市政府工 作报告，则标志着广州将过境客流转化为消费增量，推动对外贸易从传统的产品出口，向全球供应链高 附加值环节转变的决心。 将"深入挖掘内外需潜力"置于首位 旨在扩内需强市场、扩开放强枢纽 2026年政府工作报告首次将"深入挖掘内外需潜力"置于首位。有何深意？ 在广州市社会科学院经济研究所副所长伍晶看来，这是广州在新时代背景下实现高质量发展、突破经济 增长瓶颈的关键所在，有助于广州打造国内大循环的中心节点城市、巩固国际商贸中心地位。 广州市社会科学院国际商贸研究所研究员揭昊也认为，这是落实"双循环"的重要举措，旨在扩内需强市 场、扩开放强枢纽，将广州建设成为国内大循环的重要节点和国内国际双循环的战略链接地，更好发挥 经济大市挑大梁作用。 广州力促过境客流转化为消费增量 2025年，广州首家市内免税店在广州友谊 ...

Group 1 - The founder of the "Is it dead?" App, Mr. Lü, has issued a statement regarding the emergence of numerous counterfeit applications that closely resemble the company's product, misleading users and infringing on the company's intellectual property rights. The company reserves the right to pursue legal action against these infringers and urges them to cease their activities and rectify their branding immediately [1]. - The company has received multiple user complaints indicating that some counterfeit products are posing as the company's "new product" (the "Is it dead?" App), charging an additional fee of 8 yuan during download or use, without delivering core services such as email/SMS notifications. Users are advised to ensure they recognize the developer "Moonscape" and to be cautious of any non-official products in app stores [2]. - Recently, the "Is it dead?" App has gained significant popularity. On January 13, Mr. Lü confirmed to reporters that the company will adopt the global brand name "Demumu." The service has experienced explosive growth overseas, and Demumu aims to continue its mission of safety protection, bringing solutions originating from China to serve more individuals living alone globally [2].

Core Viewpoint - MiniMax, a leading AI company focused on multimodal model development, has made significant strides in the market, achieving a record IPO on the Hong Kong Stock Exchange within just over four years of its establishment [1][4]. Group 1: Company Overview - MiniMax was founded at the end of 2021 and specializes in the research and development of multimodal models [1]. - The company completed its IPO on January 9, 2026, with an initial offering price of 165 HKD per share, experiencing a surge of over 70% on its opening day, leading to a market capitalization exceeding 90 billion HKD [1]. - The company is recognized as one of the first in Shanghai to receive approval for large model registration, focusing heavily on model intelligence breakthroughs [2]. Group 2: Financial Performance - In the first three quarters of 2025, MiniMax reported total revenue of 53.44 million USD, marking a year-on-year increase of 175% [2]. - The gross margin for its ToB (business-to-business) operations reached 69.4%, while C-end (consumer-end) products achieved a positive gross margin of 4.7% [2]. - Projections from CITIC Securities indicate that MiniMax's revenue will maintain a high growth rate of over 90% from 2025 to 2027 [2]. Group 3: Subsidiary Developments - MiniMax has established five wholly-owned subsidiaries, with the latest being Guangzhou Yiyu Jizhi Technology Co., Ltd., registered on January 14, 2026, with a capital of 70 million CNY [3][4]. - The Guangzhou subsidiary is positioned as a significant expansion in the South China region, with its business scope prominently featuring "intelligent robot sales," unlike other subsidiaries [3][4]. - The establishment of the Guangzhou subsidiary is seen as a strategic move following the IPO, indicating MiniMax's commitment to expanding its footprint in the robotics sector [4]. Group 4: Strategic Partnerships - MiniMax has entered into a strategic partnership with ZhiYuan Robotics, providing comprehensive AI technology support for text-to-speech applications, which is expected to enhance the integration of multimodal AI technologies in robotics [5]. - This collaboration aims to accelerate the application of full-modal AI technology in the robotics industry, highlighting MiniMax's focus on AI and robotics [5].

近日，深圳市统计局、深圳市妇女儿童工作委员会、深圳市性别平等促进办公室联合发布《2024年深圳 市社会性别统计报告》，系统呈现了深圳在人口特征、婚姻及家庭状况、文化教育、就业、社会保障、 卫生与健康、参政议政、参与公共事务、法律保护九大领域的性别分布状况。 常住人口男多女少 户籍人口男少女多 2024年，深圳市常住人口1798.95万人，其中男性991.14万人，占全市人口的55.1%；女性807.81万人， 占全市人口的44.9%。深圳市户籍人口723.93万人，其中男性354.74万人，占全市户籍人口的49.0%；女 性369.19万人，占全市户籍人口的51.0%。 示意图，图文无关。图源：IC photo 在儿童群体中，2024年，深圳市出生人口性别比（男性人数与女性人数之比，通常用每100个女性人口 相应有多少男性人口表示）为115.66，0-17岁不同年龄组户籍儿童数及其性别比均在113以上，男性多 于女性。 女性房产户主多于男性房产户主 2024年，深圳市共办理结婚登记9.26万对。初婚人数14.84万人，其中女性7.37万人，略少于男性；再婚 人数3.67万人，其中女性1.89万人，略多于男性。 ...

Core Viewpoint - Guangzhou's education system is undergoing significant changes, focusing on expanding access and improving quality to meet the needs of its growing population and future development [1][3]. Expansion of Educational Resources - Guangzhou plans to add 200,000 public basic education seats and 100,000 regular high school seats over the next five years, marking a commitment to enhancing educational infrastructure [1][3]. - The city achieved 100% coverage of standardized schools in compulsory education and ensured that 100% of migrant workers' children have access to public education [2]. Quality Improvement Initiatives - The "Five Excellence" initiative aims to enhance the quality of education across various levels, including early childhood, compulsory, high school, special, and vocational education [3][4]. - The focus is on ensuring that over 60% of children in public kindergartens and 90% in inclusive kindergartens receive quality education [3]. Educational Evaluation Reform - A new evaluation system is being implemented to balance academic performance with students' physical and mental health, addressing issues like anxiety and obesity [4][5]. - The city has established a comprehensive education supervision system to monitor and improve educational quality [5]. Career Pathways and Vocational Education - Guangzhou is expanding high school options and enhancing vocational education, with a significant increase in the enrollment rate for vocational students [6][7]. - By 2025, the city aims for a vocational school graduate employment rate of at least 90% and a 45% enrollment rate for vocational students in further education [7]. Integration of Technology in Education - The city is embracing smart education, with the establishment of 95 smart campuses and the development of AI education resources for students [8]. - These initiatives aim to make teaching methods more flexible and tailored to individual student needs [8]. Higher Education Development - Guangzhou is advancing its higher education institutions, with new programs and partnerships aimed at enhancing research and innovation [9][10]. - The city is focusing on developing high-level universities and integrating educational resources with local industries [10]. International Collaboration and Outreach - Guangzhou is enhancing its international educational partnerships, with numerous collaborative programs and schools established [11]. - The city aims to promote its educational brand globally while also attracting international students [11]. Commitment to Continuous Improvement - The education system in Guangzhou is committed to ongoing reform and improvement, focusing on quality and accessibility to meet the needs of its citizens [12].