每一次革命都会颠覆传统分工体系：工业革命淘汰了手工业者，催生了工程师与产业工人；互联网革命 弱化了线下柜员，孕育了产品经理与数据分析师。AI 革命对金融行业的冲击更彻底 —— 后台审核、现 金调度等重复性岗位将大幅缩减，而 "AI + 场景" 的融合创新能力成为核心竞争力。科蓝软件的转型， 正是提前卡位了新分工体系中的关键节点。 面对银行 "降本增效 + 安全合规" 的双重需求，科蓝没有零散布局 AI 功能，而是打造了覆盖网点服 务、风控联防、跨境结算的全场景 AI 能力。"小蓝" 机器人实现 1:10 人力替代，看似是替代传统柜员， 实则是成为网点智能化的核心枢纽；无代码智能体框架将开发成本降低 70%，本质是为银行培养适配 AI 时代的自主创新能力。这种布局让科蓝从 "软件供应商" 升级为 "金融 AI 生态构建者"，在新分工体 系中占据了不可替代的位置 —— 就像工业革命中的设备制造商、互联网革命中的平台服务商，成为连 接技术与行业的核心纽带。 绑定时代生态：在 "国产协同" 中筑牢护城河 技术革命的竞争最终是生态的竞争。工业革命中，围绕蒸汽机形成的机械制造生态决定了产业格局；互 联网革命里，依托操作系 ...

Core Insights - The article discusses the impact of U.S. software export controls on China's software industry, highlighting how these restrictions have catalyzed the growth of domestic software solutions like科蓝软件's SUNDB database [1][2][3] - It emphasizes the shift from reliance on open-source software to self-developed solutions, showcasing the advantages of high self-research rates and closed-source models in enhancing security and performance [2][3][4] Group 1: U.S. Export Controls and Their Impact - U.S. export controls have significantly affected various software sectors, including operating systems, databases, AI algorithms, and cloud computing tools, leading to a realization in China that diversification is essential [1] - The restrictions have inadvertently promoted domestic software, with SUNDB emerging as a leading solution, demonstrating high self-research rates and independence from foreign code [2][3] Group 2: Advantages of SUNDB Database - SUNDB boasts a 98.31% self-research rate, meaning it does not incorporate any foreign open-source code, which positions it as a robust alternative to existing solutions [2] - The database has proven its reliability by handling billions of transactions daily for major clients like China Mobile and China Unicom, showcasing its capability in high-demand environments [2][3] Group 3: Industry Collaboration and Development - The rise of domestic software is supported by collaborations between companies and academic institutions, such as科蓝软件's partnership with Tsinghua University, fostering innovation through a "产学研" model [3] - The current environment, characterized by supportive policies and market opportunities, has created a favorable landscape for the growth of domestic software solutions [3][4] Group 4: Future of the Software Industry - The software industry landscape is shifting from dominance by foreign giants to a more diversified domestic market, with Chinese brands expected to become synonymous with core technologies like databases and operating systems [4] - The article concludes that the focus on self-reliance and innovation will strengthen China's position in the global software market, making domestic solutions more prominent [4]

| 证券代码：300663 | 证券简称：科蓝软件 | 公告编号：2025-095 | | --- | --- | --- | | 债券代码：123157 | 债券简称：科蓝转债 | | 北京科蓝软件系统股份有限公司 关于 2025 年第三季度科蓝转债转股情况的公告 本公司及董事会全体成员保证公告内容真实、准确和完整，不存在任何虚假 记载、误导性陈述或者重大遗漏。 特别提示： 1、股票代码：300663 股票简称：科蓝软件 2、债券代码：123157 债券简称：科蓝转债 5、转股股份来源：新增股份转股 根据《深交所创业板股票上市规则》、《深交所可转换公司债券业务实施细 则》等有关规定，北京科蓝软件系统股份有限公司现将 2025 年第三季度可转换 公司债券科蓝转债转股及公司股份变动情况公告如下： 一、可转换公司债券发行上市概况 1、可转换公司债券发行情况 经中国证券监督管理委员会《关于同意北京科蓝软件系统股份有限公司向不 特定对象发行可转换公司债券注册的批复》（证监许可〔2022〕1567 号）核准， 北京科蓝软件系统股份有限公司（以下简称"公司"）本次向不特定对象发行可 转换公司债券 494.60 万张，每张 ...

Core Insights - Beijing Kelong Software Co., Ltd. (科蓝软件) and Beijing 360 Intelligent Technology Co., Ltd. (360智领) have signed a strategic cooperation agreement to collaborate in the mobile application security sector [1][2] - Kelong Software has maintained the number one market share in the mobile banking sector for nine consecutive years, and this partnership will allow them to promote and sell 13 core products from 360智领 [1] - The collaboration aims to enhance Kelong Software's service offerings from "digital solutions" to "security protection," leveraging 360智领's technical capabilities [2] Company Overview - Kelong Software will gain authorization for the promotion and sales of 360智领's 360 Tianyu series products, which include security enhancement for various operating systems and applications [1] - The products will support both localized and SaaS deployment models, catering to different scales of financial institutions [1] Market Context - The mobile application security market is experiencing a growth rate exceeding 30% annually amid the digital transformation in the financial sector [2] - The partnership is expected to positively impact Kelong Software's business expansion and customer maintenance efforts [2]

Group 1 - The digital renminbi international operation center has officially commenced operations, focusing on cross-border digital payment platforms, blockchain services, and digital asset platforms [1] - The center is managed by the People's Bank of China and aims to enhance cross-border connectivity with domestic and international financial infrastructures, promoting the international use of digital renminbi [1] - In Q1, the cross-border settlement scale of digital renminbi reached 1.8 trillion yuan, a year-on-year increase of 320%, with pilot programs expanding to 50 countries and regions [1] Group 2 - In the global context, China is leading in the adoption of digital renminbi, particularly in the Middle East and ASEAN countries, with a projected penetration rate exceeding 70% by 2025 [2] - Saudi Arabia is using digital renminbi for 20% of its crude oil exports to China, and the Dubai Commodity Exchange has seen an average daily trading volume of 800,000 barrels of digital renminbi-denominated crude oil futures [2] - By April 2025, the CIPS system is expected to have 171 direct participants and 1,500 indirect participants [2] Group 3 - Zhongke Jincai has developed various platforms for digital renminbi, including smart contract security planning and cross-border payment optimization, providing comprehensive lifecycle management services [3] - Kelong Software, as a fintech company with digital banking solutions, anticipates benefits from the increasing demand for digital renminbi and the digital transformation of financial institutions [3]

Core Viewpoint - The financial IT sector is experiencing a rise in market capitalization driven by trends in cross-border payments, stablecoins, and artificial intelligence, despite the lack of significant performance improvements in earnings among major companies [1][5]. Market Capitalization and Performance - Ten representative companies in the financial IT sector have shown varying degrees of market capitalization growth, with Runhe Software at approximately 48 billion yuan, significantly higher than its peers [2]. - Among these companies, only five reported positive net profits, and only four achieved profit growth in the first half of 2025 [1][2]. Revenue and Growth Rates - Nantian Information and Shenzhou Information led in revenue, reaching approximately 4.566 billion yuan and 4.405 billion yuan, with year-on-year growth rates of 16.76% and 7.88% respectively [2]. - Other companies reported revenues ranging from 31.1 million yuan to 1.736 billion yuan, with three companies experiencing negative growth: Yuxin Technology (-4.89%), Changliang Technology (-5.75%), and Kelong Software (-38.05%) [2]. Profitability Metrics - Yuxin Technology reported a net profit of 220 million yuan, a year-on-year increase of 35.26%, while the remaining profitable companies had net profits below 100 million yuan [3]. - The highest gross margin was reported by Yuxin Technology at 34.53%, with other companies like Changliang Technology and Kelong Software also exceeding 30% [3]. Research and Development Investment - Anshuo Information had the highest R&D expense ratio at 14.14%, with several other companies exceeding 10% [3]. Return on Equity (ROE) - Among the ten companies, five had a positive ROE, with Yuxin Technology leading at 5.11% [4]. Industry Challenges - The financial IT market is characterized by limited capacity and intense competition, with large financial institutions having self-sufficiency, which reduces demand for products and services from smaller companies [5]. - Long payment cycles and project durations are common issues affecting profitability across the industry [6]. Losses and Financial Strain - Shenzhou Information reported the largest loss at 96 million yuan, attributed to increased overdue receivables and related impairment provisions [7]. - Nantian Information's loss was due to intensified market competition and declining gross margins [7]. AI and International Expansion - Companies are increasingly leveraging AI technology to enhance efficiency and reduce costs, with several firms reporting successful AI product implementations [8]. - International markets are being targeted for growth, with companies like Kelong Software and Changliang Technology expanding their presence in Southeast Asia [9][10].

Group 1 - The company announced the convening of its first extraordinary shareholders' meeting on September 17, 2025, to review the proposals for the election of the fourth board of directors [1] - The proposals include the nomination of non-independent directors Wang Anjing, Zheng Renhuan, Du Yizhen, and Liu Penghui [1] - The independent directors nominated are Hu Guanghui, Zhang Zixi, and Zhang Zhenyi [1]

关于完成公司董事会换届选举的公告 本公司及董事会全体成员保证信息披露内容的真实、准确和完整，没有虚 假记载、误导性陈述或重大遗漏。 北京科蓝软件系统股份有限公司（以下简称"公司"）于2025年9月17日召 开2025年第一次临时股东会，审议通过了《关于公司董事会换届选举暨提名第四 届董事会非独立董事候选人的议案》、《关于公司董事会换届选举暨提名第四届 董事会独立董事候选人的议案》，同意选举王安京先生、郑仁寰先生、杜易真先 生、刘鹏辉先生为第四届董事会非独立董事；选举胡光辉先生、张子西先生、张 振义先生为第四届董事会独立董事。上述董事与职工代表大会选举的职工代表董 事曹平国先生组成公司第四届董事会，任期三年，自2025年第一次临时股东会审 议通过之日起计算。 | 证券代码：300663 | 证券简称：科蓝软件 公告编号：2025-094 | | --- | --- | | 债券代码：123157 | 债券简称：科蓝转债 | 北京科蓝软件系统股份有限公司 上述独立董事的任职资格和独立性已经深圳证券交易所审核备案无异议，公 司独立董事人数未低于董事会成员总数的三分之一且至少包括一名会计专业人 士，独立董事兼任境内上 ...

| 证券代码：300663 | 证券简称：科蓝软件 | 公告编号：2025-093 | | --- | --- | --- | | 债券代码：123157 | 债券简称：科蓝转债 | | 北京科蓝软件系统股份有限公司 2025 年第一次临时股东会决议公告 本公司及董事会全体成员保证公告内容真实、准确和完整，不存在任何虚假 记载、误导性陈述或者重大遗漏。 特别提示： 一、会议召开和出席情况 （一）会议召开情况 1、会议召开时间 （1）现场会议召开时间：2025 年 9 月 17 日（星期三）14:00 （2）网络投票时间：通过互联网投票系统进行网络投票的具体时间为 2025 年 9 月 17 日 9:15 至 15:00 期间的任意时间；通过深圳证券交易所交易系统进行 网络投票的具体时间为 2025 年 9 月 17 日 9:15—9：25，9：30—11:30 和 13:00 —15:00。 2、会议召开地点：北京市朝阳区朝外大街 16 号人寿大厦公司会议室 3、会议召开方式：采用现场表决与网络投票相结合的方式进行 4、会议召集人：公司董事会 1、出席会议股东的总体情况 参加公司本次股东会现场投票和网络投票的 ...

北京市东城区建国门内大街 26 号新闻大厦 7 层、8 层 电话：010-88004488/66090088 传真：010-66090016 邮编：100005 北京国枫律师事务所 关于北京科蓝软件系统股份有限公司 2025 年第一次临时股东会的 法律意见书 国枫律股字[2025]A0467 号 致：北京科蓝软件系统股份有限公司（贵公司） 1．本所律师仅就本次会议的召集与召开程序、召集人和出席现场会议人员资格、 会议表决程序及表决结果的合法性发表意见，不对本次会议所审议的议案内容及该等 议案所表述的事实或数据的真实性、准确性和完整性发表意见； 2．本所律师无法对网络投票过程进行见证，参与本次会议网络投票的股东资格、 1 网络投票结果均由相应的证券交易所交易系统和互联网投票系统予以认证； 3．本所及经办律师依据《证券法》《证券法律业务管理办法》《证券法律业务执 业规则》等规定及本法律意见书出具日以前已经发生或者存在的事实，严格履行了法 定职责，遵循了勤勉尽责和诚实信用原则，进行了充分的核查验证，保证本法律意见 所认定的事实真实、准确、完整，所发表的结论性意见合法、准确，不存在虚假记载、 误导性陈述或者重大遗漏， ...