本报（chinatimes.net.cn）记者卢梦雪 北京报道 又一省份切换农信社改革路线。 近日，甘肃省在2026年政府工作报告中明确提出"组建运营甘肃农商银行"，标志着该省正式放弃此前规 划的农商联合银行模式，转向省级统一法人的农商银行改革路径。 农商联合银行和省级农商银行最大的差别在于是否保留基层行社的法人地位。相关分析人士指出，农信 社改革是中小金融机构改革化险的重点，改革路线的切换既折射出部分省份在改革推进中的现实考量， 也反映出本轮农信社改革在顶层设计、模式选择上的探索与调整。 甘肃官宣转向：从联合银行到省级统一法人 作为西北重要的农业省份，甘肃农信系统是当地支农支小的主力军，改革动向备受市场关注。梳理时间 线可见，甘肃农信改革路径经历了清晰的转向过程。 2023年，甘肃省政府工作报告明确提出"稳妥推进农信社改革，组建甘肃农商联合银行"，按照此方案， 该省计划构建"省联社+县级法人行社"的二级法人体系，延续基层行社独立法人地位，是当时全国多地 探索的联合银行模式。 然而此后两年，甘肃省政府工作报告未再提及"联合银行筹建"相关内容，改革方向悄然调整。2025年， 甘肃省内多家农信机构在年度工作会议中 ...

Core Viewpoint - China Overseas Land & Investment's project, Zhonghai Huide Li, is facing scrutiny due to design violations related to gas pipeline installations in its duplex units, raising safety concerns for homeowners [2][3][5]. Group 1: Project Details - Zhonghai Huide Li is designed as a garden-style apartment with an opening price of approximately 83,000 yuan per square meter, and the project has already been delivered [2]. - Homeowners have reported that the gas pipelines were improperly installed in underground storage spaces, which were intended to serve as kitchens, leading to gas supply interruptions during renovations [3][5]. - Similar design issues have been identified in another project, Zhonghai Fuhua Li, where duplex units also feature non-compliant gas pipeline installations [6]. Group 2: Regulatory Compliance - According to the "Gas Engineering Project Specification," gas pipelines should not be installed in underground spaces where gas could accumulate, and the "Residential Project Specification" prohibits gas installations in bedrooms and vertical shafts [5][6]. - Homeowners have expressed concerns about the safety implications of these design violations, which could affect living conditions and pose risks [3][5]. Group 3: Market Impact - The market response has seen a decline in the resale prices of units in Zhonghai Huide Li, with a notable drop from initial prices exceeding 10 million yuan for some units [9]. - China Overseas Land & Investment has been actively acquiring land, with a reported land acquisition amount of 90.7 billion yuan in 2025, leading the industry [9][10]. - The company ranks fourth in sales in Beijing's real estate market, with a sales scale of 14.816 billion yuan in 2025 [10]. Group 4: Ongoing Issues - The company has faced multiple controversies in recent years, including complaints about reduced quality and discrepancies between delivery standards and marketing claims [12]. - Previous projects have also encountered issues, such as reduced exterior finishes and noise problems due to delayed installations of soundproofing measures [12].

Wind数据显示，截至收盘，道琼斯工业指数涨0.04%，创历史新高；纳斯达克指数涨0.9%，标普500指数涨0.47%。 科技股大涨 贵金属延续反弹 在上周由人工智能引发的科技股暴跌之后，科技公司再度反弹，带动股市在一系列关键经济数据出炉前走高——这些数据将帮助塑造市场对美联储政策前 景的判断。 美股大型科技股多数上涨，万得美国科技七巨头指数涨1.02%。个股方面，微软涨超3%，英伟达、META涨超2%，特斯拉涨逾1%；苹果跌超1%。 当地时间2月9日，美股三大指数全线收涨，道琼斯工业指数创历史新高。 | 资讯 成分 | 老米 | 相关基金 月度收益 | | --- | --- | --- | | 微软 | | | | (MICROSOFT) | 413.520 | 3.09% | | MSFT.O | | | | 英伟达(NVIDIA) | 189.910 | 2.43% | | NVDA.O | | | | 脸书(META | | | | PLATFORMS) | 677.290 | 2.39% | | META.O | | | | 特斯拉(TESLA) | 417.170 | 1.47% | | TSL ...

Core Viewpoint - Shanghai International Group's subsidiary, Shanghai Shenxin Asset Management Co., Ltd., has officially obtained the license for "bulk acquisition and disposal of financial enterprises' non-performing assets," marking its independent operation as a local Asset Management Company (AMC) [1][3]. Group 1: Business Transition - The adjustment of Shanghai's local AMC business involves transferring the AMC business from Shanghai State-owned Assets Management Co. to a specialized entity, enhancing operational focus and compliance with regulatory requirements [1][3]. - The new business license allows Shanghai Shenxin Asset to directly engage in the acquisition and disposal of non-performing assets, addressing previous operational and licensing discrepancies [4][9]. Group 2: Historical Context - Shanghai Shenxin Asset is not a new entity; it evolved from Shanghai Chenggao Asset Management Co., established in 2011, and has been a platform for non-performing asset operations under Shanghai State-owned Assets Management [5]. - The company has undergone significant capital and governance restructuring, increasing its registered capital from 315 million to 5.5 billion yuan, positioning it among the top local AMCs in terms of capital scale [5][11]. Group 3: Regulatory Compliance - The restructuring aligns with the tightening of regulations and aims to clarify the boundaries between core and ancillary business operations, addressing issues of risk isolation and resource allocation [8][10]. - The adjustment is seen as a strategic move to comply with the new regulatory framework that emphasizes the importance of core business focus and operational transparency [11]. Group 4: Market Implications - The new license enhances Shanghai Shenxin Asset's ability to meet the demand for bulk transfers of non-performing assets from financial institutions, potentially improving its market positioning and pricing power [9]. - The restructuring is also a response to the slow recovery in real estate and local government financing, aiming to create a professional platform that can effectively manage systemic risks [9].

值得一提的是，此次调整，是上海国际集团将旗下原上海国有资产经营有限公司（下称"上海国资公 司"）持有的地方AMC业务，整体划转至专营主体的关键落地。业内人士认为，此举既是对存量AMC牌 照的价值唤醒，更是顺应监管"聚焦主业、风险隔离、规范运作"核心要求的战略性布局。 唤醒"沉睡"牌照 此次上海地方AMC业务主体调整，历经监管批复、工商变更等关键环节。 据上海国际集团官方披露，2026年1月23日，上海国际集团关于内部AMC业务资质主体调整的申请已获 得国家金融监督管理总局办公厅同意；1月29日，该调整方案正式获得上海市地方金融监管局批复。 在完成全部监管审批流程后，2月3日，上海申信资产如期完成工商变更登记。 本报（chinatimes.net.cn）记者卢梦雪 北京报道 地方AMC再添专业处置主体。 国家企业信用信息公示系统信息显示，上海国际集团申信资产管理有限公司（下称"上海申信资产"）于 近日完成工商变更登记，正式新增"金融企业不良资产批量收购处置业务"核心许可，标志着这家上海国 际集团全资子公司，正式获批地方AMC业务资质并实现持牌独立运营。 不过记者注意到，截至目前，国家企业信用信息公示系统显示，5 ...

Group 1 - The core viewpoint of the news is that the Shanghai and Shenzhen Stock Exchanges have announced a package of measures to optimize refinancing, aimed at supporting the innovative development of high-quality listed companies [1] - The exchanges will enhance the efficiency of refinancing for high-quality companies that are recognized in the market and have good governance and information disclosure practices [1] - The rules for "light asset, high R&D investment" have been revised to better meet the refinancing needs of technology innovation enterprises, with clear standards for identifying mainboard companies [1] Group 2 - Companies that are experiencing a decline in stock price can reasonably finance through methods such as private placements and convertible bonds, with the raised funds required to be directed towards their main business [1] - The exchanges have emphasized increasing the flexibility and convenience of refinancing, as well as strengthening the supervision of the entire refinancing process [1] - The North Exchange has proposed to enhance the institutional inclusiveness for innovative small and medium-sized enterprises, supporting unprofitable technology companies to implement refinancing as needed and reasonably [1]

本报（chinatimes.net.cn）记者王晓慧 北京报道 金融赋能是助残扶残、推动残疾人群体实现共同富裕的重要支撑，更是金融机构践行社会责任、传递民 生温度的生动实践。 近日，河北省残联与交通银行河北省分行签署了"金融助残"战略协议，标志着双方合作迈入全方位、制 度化、长效化新阶段，为河北构建特色金融助残体系、助力残疾人实现共同富裕注入强劲金融动能。 河北省残联党组书记、理事长史建伟，交通银行河北省分行党委书记、行长刘清军出席仪式并致辞。在 与会人员的共同见证下，河北省残联副理事长侯斯与交通银行河北省分行党委委员、副行长左飞代表双 方签署合作协议。 战略签约聚合力，构建金融助残新格局 签约仪式上，双方回顾了过往合作成果，就下一步合作方向达成共识。此前，双方已在金融服务网点无 障碍环境建设、"助残暖冬"行动提质升级、邀请中国残疾人艺术团来冀公益演出等方面开展深度合作， 积累了深厚合作基础。 事实上，自2007年起，交通银行连续18年倾情支持残疾人事业，累计慈善捐款达1.2亿元，以实际行动 诠释"金融向善"的深刻内涵。交通银行河北省分行的此次签约更是其践行金融向善、彰显社会责任的重 要举措。 史建伟对交通银 ...

文/卢梦雪 全国首单数字人民币智能合约农民工工资发放业务落地成都。 记者获悉，2月6日，在中国人民银行指导下，数字人民币运营管理中心协调数字人民币业务运营机构， 在成都落地全国首单数字人民币智能合约农民工工资发放业务。该业务依托数字人民币运营管理中心提 供的数字人民币智能合约生态服务平台，实现工资发放自动执行，为服务保障农民工工资支付这项民生 工程探索出了数字金融和普惠金融新模式。 具体来说，在本次农民工工资发放场景中，依托于智能合约生态服务平台，数字人民币业务运营机构交 通银行为总包企业开立单位钱包，并加载智能代发合约，控制资金不被挪用，并按照工资明细足额发 放。 通俗来讲，数字人民币智能合约通过一套基础设施、规则标准和产品体系实现合同的数字化、自动化和 强制执行，杜绝人为干预，而且支持跨机构的互通调用。在中国人民银行指导下，数字人民币运营管理 中心负责提供数字人民币智能合约生态服务平台，并制定相应的智能合约应用标准。参与银行可在此基 础上与自有业务系统融合，为不同应用场景灵活打造产品解决方案。 截至2026年1月末，数字人民币智能合约在预付资金管理、供应链金融、企业集团财务管理、补贴发放 等领域试点应用， ...

Core Viewpoint - Ant Group is leveraging technology to enhance accessibility for visually impaired individuals, focusing on innovations in payment and navigation services to address their specific challenges in daily life [2][4][20]. Payment Innovations - Ant Group has introduced several features in Alipay to facilitate "barrier-free payment" for visually impaired users, including "wave to pay," "draw to pay," and "voiceprint rapid payment" [4][5]. - The "wave to pay" feature allows users to complete human-machine verification through voice prompts that guide them in performing specific gestures, enhancing accessibility [4][8]. - "Draw to pay" enables users to input a pre-set shape on the screen for password entry, which is not visible to others, thus maintaining privacy [5][8]. - "Voiceprint rapid payment" allows users to verbally state the payment amount, streamlining the payment process and reducing reliance on touch-screen accuracy [5][8]. User Experience and Efficiency - A test showed that a visually impaired user could complete a payment in a convenience store in approximately 23 seconds using traditional methods, while using "wave to pay" reduced this time to just 7 seconds [7]. - The integration of voice feedback throughout the payment process ensures that visually impaired users can confidently complete transactions [8]. Indoor Navigation Solutions - Ant Group has developed an indoor navigation product utilizing AR and spatial positioning technology to assist visually impaired individuals in navigating indoor spaces independently [12][15]. - The navigation system has achieved a positioning accuracy of approximately 0.5 meters, significantly improving the user experience compared to earlier versions [13][15]. - The project began as a volunteer initiative and has expanded to cover multiple venues, providing users with voice-guided navigation to their destinations [15][16]. Social Responsibility and Future Plans - Ant Group has opened 16 patents related to accessibility and is committed to further developing services that cater to the needs of visually impaired users [8][20]. - The company aims to standardize its navigation products and expand their reach, enhancing the independence of visually impaired individuals in various environments [16][20]. - The broader context includes supportive policies like the "Barrier-Free Environment Construction Law" and the "14th Five-Year Plan for the Protection and Development of Disabled Persons," which guide the development of accessible services [18][17].

Group 1 - The ruling coalition formed by the Liberal Democratic Party (LDP) and the Japan Innovation Party secured a majority in the recent House of Representatives election held on February 8, with the LDP winning 316 seats and the Japan Innovation Party winning 36 seats [2] - The opposition parties, including the Constitutional Democratic Party and the Komeito Party, formed a new party called the "Center Reform Coalition," which won 49 seats, while the Democratic Party for the People secured 28 seats [2] - The election utilized a mixed electoral system combining single-member districts and proportional representation, with a total of 465 seats available [2] Group 2 - Analysts believe that Prime Minister Sanae Takaichi's decision to dissolve the House of Representatives at this time was primarily aimed at consolidating power amid high domestic approval ratings [3] - Following the election results, the Japanese stock market opened high, with the Nikkei 225 index rising over 5% to reach 57,245.02 points [4]