Core Viewpoint - The article highlights the increasing prevalence of fraudulent applications in the financial sector, emphasizing the need for enhanced regulatory measures and public awareness to combat these scams [6][7]. Group 1: Fraudulent Applications - Recent reports indicate that fraudulent applications, such as "中银会议" and "银联会议," have been used to deceive users and steal funds [3][5]. - These applications often employ a three-step scam process involving false service charges, coercion to download the app, and remote access to the victim's banking information [5]. Group 2: Regulatory Response - Financial institutions, including China UnionPay, have issued warnings about these fraudulent apps, clarifying that they are not affiliated with legitimate services [3][6]. - The article notes that over ten fund companies have issued similar warnings in the past two years, indicating a growing trend of financial fraud through fake applications [7]. Group 3: Need for Enhanced Oversight - Experts suggest that despite stricter regulations in the app market, many fraudulent apps still manage to bypass security checks due to superficial reviews [7][8]. - There is a call for comprehensive measures to improve legal frameworks, enhance regulatory scrutiny, and develop advanced detection tools to combat the proliferation of fraudulent applications [8].

本次宣讲会的成功举办，为江门外贸企业搭建了一个了解政策、学习知识、交流合作的平台，进一步增 强了企业对跨境金融政策的理解和应用能力，提升了企业的国际市场竞争力。与会企业纷纷表示，通过 本次活动，他们对国家的外贸政策、东南亚市场以及跨境金融服务有了更深入的了解，对未来的发展充 满信心。 江门市商务局有关负责人表示，本次活动是落实国家对外开放战略、推动江门外贸高质量发展的重要举 措。市商务局将一如既往地支持外贸企业，通过政策引导和资源整合，帮助企业提升国际竞争力，拓展 海外市场。 为深入贯彻国家推进更高水平对外开放战略，搭建专业高效的金融服务交流平台，助力江门企业更好地 参与国际竞争合作、满足全球化布局需求，7月16日，在江门市商务局的指导下，中国银行江门分行举 办江门外贸企业高质量发展和跨境金融政策宣讲会暨"粤贸同行"系列活动。各县（市、区）商务主管部 门分管外贸工作负责人和本市外贸企业代表约350人参加。 活动中，江门市商务局相关科室负责人详细分享了最新的外贸政策，解读了国家和地方出台的一系列支 持外贸发展的政策措施，为企业提供了明确的政策指引。中国银行广东省分行专家深入介绍了东南亚重 点国家的外汇及跨境金融 ...

"链博首发站"活动首次举办，全球供应链指数矩阵首次发布，各链条和展区可视化产业图谱首次展 示……在7月16日开幕的第三届链博会上，多个"首次"集中落地，不仅展示了最新技术和产品，而且释 放出全球供应链不断创新、加强合作的信号。 百项首发：全球创新技术集中亮相 贝特瑞发布行业首款硅负极专用石墨材料、朗新科技集团发布AI能源大模型、渣打银行首发一站式跨 境供应链金融解决方案……在"链博首发站"活动专区里，24场发布活动呈现了百余项全球前沿技术，覆 盖了新产品、新技术、新工艺、新场景、新生态、新链条六大维度，聚焦新能源、数字科技、医疗健康 等众多领域，集中展现全球供应链最新的前沿突破。 "链博首发站"是今年链博会首次设立的活动专区，构建了一个多维立体的创新成果推广网络，既有新品 发布、媒体传播及产业链交流，又有政策支持与营商环境推介。 在先进制造链展馆，首次设立的"创新链专区"最为瞩目。中国贸促会法律部部长于毅表示，今年的"创 新链专区"打通了从知识产权确权、技术孵化到成果落地全流程，是链博会构建科技创新生态闭环的一 次全新实践。 大连科天新材料有限公司是"创新链专区"新材料领域的科技成果转化企业，公司董事长王汉光 ...

Core Viewpoint - The article highlights a significant increase in the scale of private placements in the Chinese stock market, with 66 listed companies raising over 650 billion yuan in 2025, indicating a new phase of "quantity and quality improvement" in the private placement market [1][4]. Group 1: Market Overview - As of now, 66 listed companies have completed private placements, raising a total of over 650 billion yuan, which is significantly higher than the same period in 2024 [1][4]. - The surge in private placements is closely linked to substantial capital increases by state-owned banks, which have collectively raised 520 billion yuan [1][7]. - The private placement market is transitioning from "scale expansion" to "structural optimization," providing long-term capital support for high-quality development of the real economy [1]. Group 2: Regulatory Changes and Economic Factors - The explosive growth in private placements is attributed to policy relaxations and increased industrial demand, as well as the recovery of the A-share market's financing function [1][4]. - New regulations implemented in 2025 have made it easier for strategic investors to participate, with more flexible pricing and lower issuance price discounts [4]. - The macroeconomic recovery has improved corporate profit expectations, and liquidity has been released through central bank actions, enhancing market risk appetite [4][5]. Group 3: Bank Participation - State-owned banks account for nearly 80% of the total private placement funds raised this year, with major banks like China Bank and Postal Savings Bank leading the way [6][7]. - The government has proposed issuing special bonds to support state-owned banks in capital replenishment, highlighting the importance of these banks in maintaining financial stability [7]. - The core tier one capital adequacy ratios of major banks are under pressure due to rising non-performing loan risks, making private placements a vital method for rapid capital replenishment [8]. Group 4: Investment Performance - A significant majority of private placement projects this year are showing profits, with 91.55% of projects achieving floating gains [10]. - Some companies have seen their stock prices rise over 100% compared to their issuance prices, indicating a strong market performance [10]. - However, there are instances of losses in certain projects, emphasizing the need for careful analysis by institutional investors regarding the fundamentals and viability of the companies involved [10]. Group 5: Future Outlook - The private placement market is expected to maintain a positive trend, driven by stable market conditions and ongoing demand for capital [11].

记者丨 黄子潇 编辑丨孙超逸 截至发稿，已有建设银行、工商银行、中国银行、农业银行、交通银行、邮储银行、招商银 行、平安银行、华夏银行、中信银行、浦发银行、渤海银行、广发银行、北京银行、上海银 行、广州银行、华润银行、华兴银行的深圳分行，以及深圳农商银行等 19家银行 发布了相关 声明。 7月15日，南方财经记者注意到， 深圳超15家银行密集发布声明，称某贷款中介机构假冒合作 方揽客。 其中，多家银行直接点名 该贷款中介为鑫心惠邻（深圳）咨询服务有限公司 ，表示该涉事机 构在相关门店、附近小区电梯广告位打出"降息优化""携手XX 银行"等宣传广告，并声称多家 银行为其战略合作伙伴，扰乱金融秩序。 值得注意的是，7月15日和16日，鑫心惠邻在公众号上两次发布推文回应，表示6月份因为"不 严谨"占用了公共资源，张贴了银行标签，该公司已经全面整改，并强调没有和任何金融机构 有合作。 不过这一说法与多家银行公告中"冒充银行合作机构"的声明存在矛盾。 南方财经记者获悉，相关部门已介入调查。 企查查显示，鑫心惠邻（深圳）咨询服务有限公司成立于2024年11月，注册资本1000万元， 注册地址位于龙华区，经营范围包括融资咨 ...

Core Insights - The article emphasizes that Qifu Technology is becoming a key partner in the digital transformation of Chinese banks by integrating financial intelligence with business scenarios [1][7] - Qifu Technology's financial intelligence platform, Deepbank, and its various AI applications are designed to meet the real business needs of banks [2][7] Group 1: Financial Intelligence Development - Qifu Technology launched its self-developed financial intelligence platform Deepbank, which includes four core applications: AI Marketing Assistant, AI Approval Officer, AI Decision Assistant, and AI Compliance Assistant [2][3] - The financial intelligence system is built on a heterogeneous large model platform and a multi-agent collaborative framework, enabling deep understanding of financial semantics and user behavior [2][4] Group 2: Comprehensive Credit Solutions - The upgraded "Qifu Credit Super Intelligent Agent" includes five modules that cover the entire credit business process, enhancing decision-making capabilities [3][6] - The "End-to-End Credit Decision" module utilizes over 700 models and more than 1 billion historical decision data points to accurately assess user risk [3][4] Group 3: Technological Empowerment - Qifu Technology employs four technological engines: data flywheel, multi-modal fusion, self-evolution, and multi-agent collaboration to enhance the intelligence of its financial agents [4][5] - The AI Approval Officer can automatically extract key information from user applications and provide instant recommendations, significantly improving efficiency [5][6] Group 4: Practical Applications and Collaborations - Qifu Technology has demonstrated the effectiveness of its financial intelligence through partnerships with banks, leading to improved customer acquisition and reduced compliance risks [6][7] - A strategic cooperation agreement was signed with Guangdong Huaxing Bank to explore deep applications of AI in credit business, showcasing a collaborative model for digital transformation in banking [6][7]

Core Viewpoint - Shenzhen banks have collectively issued statements targeting the misconduct of loan intermediaries, specifically addressing the actions of a consulting service agency named Xin Xin Hui Lin [1][5][17]. Group 1: Bank Responses - Nearly 20 banks in Shenzhen, including major institutions like Bank of China and Agricultural Bank of China, have released statements disavowing any partnership with the intermediary Xin Xin Hui Lin [1][5]. - The Bank of China emphasized that it does not charge intermediary fees or any related costs in its loan business [3]. - Postal Savings Bank of China highlighted that some intermediaries are using false advertisements to claim partnerships with banks, urging the public to be cautious of misleading loan offers [5][7]. Group 2: Intermediary Misconduct - Xin Xin Hui Lin has been accused of falsely advertising itself as a bridge between banks and communities, claiming to improve loan approval rates while charging various fees [7][9]. - The agency reportedly displayed logos of over 20 banks, misleading customers into believing it had strategic partnerships with these institutions [9][12]. - The actual control of Xin Xin Hui Lin is held by Gui Yaolin, who has registered multiple companies under the "Hui Lin" name, indicating a potential pattern of misconduct [12][14]. Group 3: Regulatory Response - The collective statements from banks were reportedly made in response to requests from Shenzhen's financial regulatory authorities, aiming to protect consumer rights and clarify the situation [5][7]. - The intermediary acknowledged its mistakes in using bank logos and stated it has undertaken corrective measures, asserting that it does not have any partnerships with financial institutions [17].

6月26日，中国银行淄博分行成功发行淄博市首张加载外国人工作许可证的社会保障卡，并同步签发电 子社保卡。这标志着外国人工作许可证与社会保障卡"证卡融合集成"工作在淄博正式落地实施。 首次来淄博或已在淄博工作的外国人，持本人有效身份证件（外国人永久居留证或护照）、工作证明、 劳务合同等相关证明材料，可前往中国银行淄博张店支行办理"证卡融合集成"社保卡，支持现场制卡， 立等可取，并同步签发电子社保卡。 下一步，中国银行淄博分行将始终坚持以人民为中心价值导向，持续发挥特色优势，不断提升金融服务 质效，为外籍人士提供更加优质、便捷、高效的金融服务。（曹珍珍） "通过工作人员介绍，我了解到有了这张社保卡，我的工作许可证、银行卡等信息都融合在这一张卡 上，非常方便。"来自山东理工大学的印度籍老师在领到首张新版社保卡后表示。 据了解，为提升外籍人员来华工作便利度的决策部署，人力资源社会保障部决定自2024年12月1日起， 将外国人工作许可证与社会保障卡融合集成，通过将外国人来华工作许可信息加载到社保卡，依托实体 社保卡和电子社保卡，为外国人来华工作和生活提供便利。 "证卡融合集成"新版社保卡作为外籍人士在淄工作许可身份凭证 ...

Group 1 - Multiple banks in Shenzhen have issued statements regarding a loan intermediary, Xin Xin Hui Lin (Shenzhen) Consulting Service Co., Ltd., which is accused of impersonating banks to attract customers [1][3] - The involved banks include major institutions such as China Construction Bank, Industrial and Commercial Bank of China, Bank of China, Agricultural Bank of China, and others, totaling 19 banks that have released related statements [1] - Xin Xin Hui Lin claims to provide services for lowering interest rates and has been promoting itself as a "lower interest station," despite banks denying any partnership with the intermediary [3][4] Group 2 - Regulatory authorities have intervened in the investigation of the loan intermediary's practices, which included misleading advertisements claiming partnerships with various banks [2][4] - Recent regulatory actions have intensified scrutiny on loan assistance platforms, with the Ningxia local financial management bureau revoking the operating qualifications of seven loan intermediaries [4] - A notice was issued by regulatory bodies in April to strengthen the management of internet loan assistance services, set to take effect on October 1 [5]

Core Insights - The Cross-Border Payment System has expanded to 17 banks in Hong Kong within a month of its launch, enhancing connectivity between mainland China's online payment system and Hong Kong's Fast Payment System [1][2] - The system offers advantages over traditional cross-border remittances, including instant transfers, simplified documentation, lower costs, and ease of use [1] - The initial participating banks include six from mainland China and six from Hong Kong, with an additional eleven Hong Kong banks recently added to the system [1][3] Summary by Category Participating Institutions - The first batch of participating mainland banks includes: Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank, Bank of Communications, and China Merchants Bank [1][3] - The first batch of participating Hong Kong banks includes: Bank of China (Hong Kong), Bank of East Asia, China Construction Bank (Asia), Hang Seng Bank, HSBC, and ICBC (Asia) [1][3] - The second batch of newly added Hong Kong banks includes: CMB Wing Lung Bank, Shanghai Commercial Bank, CITIC Bank International, Chuangxin Bank, Dah Sing Bank, Guangfa Bank, China Everbright Bank, Nanyang Commercial Bank, ZA Bank, Airstar Bank, and MOX Bank [1][3] Digital Banking Inclusion - This expansion marks the first inclusion of digital banks in the Cross-Border Payment System, with MOX Bank, ZA Bank, and Airstar Bank being notable participants [2][3] User Experience and Limitations - Some newly added banks have not yet officially opened cross-border payment services to customers, leading to mixed experiences among users [4] - The system supports bilateral currency and RMB cross-border remittance between mainland China and Hong Kong, with specific limits on transaction amounts [4][5] Transaction Limits - For northbound transactions, the limit is set at HKD 10,000 per person per day and HKD 200,000 per year, while southbound transactions are subject to an annual foreign exchange limit of USD 50,000 [4][5]