从资金流向上来看，当日多元金融板块主力资金净流出5.36亿元，游资资金净流入1.54亿元，散户资金净 流入3.82亿元。多元金融板块个股资金流向见下表： 证券之星消息，1月26日多元金融板块较上一交易日下跌0.43%，拉卡拉领跌。当日上证指数报收于 4132.61，下跌0.09%。深证成指报收于14316.64，下跌0.85%。多元金融板块个股涨跌见下表： | 代码 | 名称 | 收盘价 | 涨跌幅 | 成交量(手) | | 成交额(元) | | --- | --- | --- | --- | --- | --- | --- | | 000987 | 越秀资本 | 11.69 | 5.03% | | 310.01万 | 36.55亿 | | 002647 | *ST仁东 | 9.92 | 4.97% | | 23.16万 | 2.27亿 | | 603093 | 南华期货 | 19.24 | 3.27% | | - 18.23万 | 3.47亿 | | 000415 | 渤海相賃 | 4.55 | 1.11% | | 141.81万 | 6.41亿 | | 600927 | 永安期货 | 16.72 | 0. ...

证券代码：300773 证券简称：拉卡拉 公告编号：2026-003 拉卡拉支付股份有限公司 一、使用闲置自有资金进行委托理财的基本情况 1、投资目的 为提高公司资金使用效率，在不影响公司正常经营情况下，合理利用部分闲置 自有资金进行委托理财，增加资金收益，为公司及股东获取更多的投资回报。 2、投资的资金额度和来源 公司使用不超过人民币10亿元（含）的闲置自有资金进行委托理财，投资期限 内任一时点用于委托理财的交易金额（含前述投资的收益进行再投资的相关金额） 不超过上述投资额度。资金来源合法合规， 不涉及募集资金或银行信贷资金。 3、投资品种 关于使用闲置自有资金进行委托理财的公告 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。 拉卡拉支付股份有限公司（以下简称"公司"）于2026年1月26日召开的第四 届董事会第十三次会议审议通过了《关于使用闲置自有资金进行委托理财的议案》， 董事会同意公司使用闲置的自有资金不超过人民币10亿元（含）进行委托理财，期 限内任一时点的交易金额（含前述投资收益进行再投资的相关金额）不超过上述投 资额度，使用期限为自公司董事会审议 ...

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。 证券代码：300773 证券简称：拉卡拉 公告编号：2026-002 拉卡拉支付股份有限公司 第四届董事会第十三次会议决议公告 与会董事认真审议并通过了如下议案，并决议如下： 1、第四届董事会第十三次会议决议。 一、董事会会议召开情况 拉卡拉支付股份有限公司（以下简称"公司"）于 2026 年 1 月 23 日以邮件 方式发出第四届董事会第十三次会议通知，经全体董事确认，一致同意 2026 年 1 月 26 日公司以通讯方式召开会议。会议由董事长孙陶然先生主持。会议应出 席的董事 8 人，实际出席会议的董事 8 人。会议的召集和召开程序符合《中华人 民共和国公司法》和《拉卡拉支付股份有限公司章程》等的规定。 二、董事会会议审议情况 根据公司资金情况及使用计划，在不影响正常生产经营活动、保证资金流动 性和安全性的前提下，为合理利用部分闲置的自有资金，提高资金的使用效率， 提升资金收益水平，为公司及股东获取更多的投资回报，董事会同意公司使用闲 置的自有资金不超过人民币 10 亿元（含）进行委托理财，期限内任一时点的交 ...

Investment Rating - The report assigns an "Overweight" rating to the industry, indicating a positive outlook for investment opportunities in the non-bank financial sector [5][14]. Core Insights - The report highlights that the non-bank sector is currently underweight by 3.08 percentage points, despite an increase in holdings during the fourth quarter of 2025. It emphasizes the potential for profit improvement and low valuations in non-bank stocks due to the influx of household funds into the market [3][5]. - The report notes a significant increase in the allocation to the insurance sector, with the proportion rising from 1.03% to 2.13%, while the insurance index saw a substantial increase of 23.42% in the fourth quarter [5][8]. - The report suggests that the brokerage sector has also received increased allocations, with public fund holdings rising from 0.85% to 1.08%, although it remains underweight by 2.30 percentage points [5][8]. Summary by Sections Non-Bank Sector - The non-bank sector remains underweight overall by 3.08 percentage points, with a positive outlook for long-term capital inflows and wealth management opportunities [5][8]. - Specific recommendations include increasing holdings in companies such as Jiufang Zhituo Holdings, Tonghuashun, Guoxin Securities, and others, as they are expected to benefit from the ongoing market dynamics [5][8]. Insurance Sector - The insurance sector's allocation has increased significantly, with a focus on low-valuation stocks as capital continues to flow into the market. The report recommends increasing holdings in China Life, Ping An, and China Pacific Insurance [5][8]. Brokerage Sector - The brokerage sector has seen a rise in public fund holdings, with notable increases in individual stocks like CITIC Securities and Huatai Securities. The report suggests that the retail business share is likely to improve, making these stocks attractive [5][8]. Financial Technology and Diversified Finance - The report indicates a decrease in the allocation to diversified finance and financial technology sectors, but highlights potential investment opportunities in companies like Lakala and Yuexiu Financial Holdings due to ongoing policy support and technological advancements [5][8].

Group 1 - Zhejiang Wenchuang Internet focuses on digital marketing and cultural technology, integrating AI into smart marketing and digital content creation, enhancing brand marketing digital transformation across various industries [1][17] - Saiwu Technology collaborates with Suzhou University to establish the AI4S laboratory, creating a closed loop of "AI screening - process optimization - mass production," significantly increasing revenue in related businesses [1][18] - Huashi Technology strategically invests in Yuchuang Robotics, applying AI in various scenarios such as airport monitoring and risk warning, providing intelligent solutions for smart cities [1][19] Group 2 - Yidian Tianxia leverages AI for global smart marketing, developing a full-chain solution that includes multi-language digital content generation and intelligent ad optimization [2][18] - Tongda Hai builds a comprehensive legal knowledge graph using vast legal data, enhancing judicial efficiency through its self-developed AI platform [2][19] - Sanwei Communication's subsidiary, Juwang Technology, utilizes AI for advertising material generation and optimization, significantly improving marketing efficiency [2][19] Group 3 - BlueFocus is a leader in AI marketing, applying AI across the entire marketing chain, including creative generation and effect analysis, to drive digital transformation in the marketing industry [3][19] - Huashu Media actively promotes AI integration in broadcasting, enhancing user experience through smart content recommendations and network optimization [3][20] - Subot constructs a cross-disciplinary platform for material and intelligent mechanics, driving high-end material development and optimizing production processes [3][20] Group 4 - Shiji Tianhong integrates AI into education, enhancing digital transformation in educational support services through intelligent systems [4][20] - Hongbo Pharmaceutical's AI drug design platform focuses on cyclic peptide drug development, significantly improving drug design efficiency and accuracy [5][21] - Tianlong Group's self-developed platform empowers digital marketing across various industries, enhancing customer acquisition and conversion rates [5][21] Group 5 - Yanshan Technology integrates AI into internet services and supply chain management, optimizing marketing and operational efficiency [6][22] - ChaoTu Software merges AI with GIS, enabling intelligent spatial data processing and analysis for smart city applications [6][22] - Heren Technology focuses on smart healthcare, developing AI systems to assist medical personnel and improve operational efficiency [6][23] Group 6 - Youzu Network applies AI throughout game development and operation, enhancing player engagement and experience [6][23] - Jinka Intelligent integrates AI into gas metering, improving management efficiency and safety in gas supply [7][24] - Liard incorporates AI into display technology, optimizing visual experiences and expanding applications in smart displays [7][24] Group 7 - Guanshang Technology focuses on military equipment lifecycle management using AI for fault diagnosis and training simulation [7][25] - Zhidema applies AI in consumer decision-making and e-commerce marketing, enhancing product recommendations and marketing strategies [7][25] - Runda Medical enhances laboratory testing processes with AI, improving detection accuracy and efficiency [7][25] Group 8 - Tiandi Online specializes in digital marketing, utilizing AI for user profiling and intelligent ad targeting [8][26] - Qianfang Technology focuses on smart transportation, developing AI systems for traffic management and vehicle recognition [8][26] - Jiaxun Feihong integrates AI into communication and rail transit, enhancing operational efficiency and safety [8][26] Group 9 - Jiadu Technology applies AI in smart city and rail transit, enhancing safety monitoring and automation [8][27] - Jiuzhoutong empowers pharmaceutical supply chains with AI for demand forecasting and inventory management [8][27] - Weining Health focuses on comprehensive smart healthcare solutions, enhancing operational efficiency and cost control [8][27] Group 10 - Dianke Digital strengthens IT service capabilities with AI, focusing on data center operations and security [8][28] - Guangting Information specializes in intelligent connected vehicles, developing AI systems for driving assistance and data governance [8][28] - Rongxin Culture integrates AI into children's publishing, enhancing reading experiences and content creation [8][29] Group 11 - Zhaochi Co. introduces AI in consumer electronics and lighting, optimizing product performance and supply chain management [8][29] - Jinxiandai focuses on industrial software, enhancing digital transformation through AI-assisted development and operations [8][30] - Huatu Shanding integrates AI into architectural design, improving efficiency and precision in building projects [8][30] Group 12 - Lakala enhances payment services with AI, improving transaction security and merchant support [8][30] - Yingjianke focuses on building design software, utilizing AI for structural optimization and efficiency [8][30] - Borui Communication empowers media and digital culture with AI, enhancing content delivery and user engagement [8][31] Group 13 - Haoyun Technology enhances security IoT with AI, providing risk assessment and decision support [8][31] - Shenguang Group leverages AI for digital marketing, optimizing user targeting and ad performance [8][31] - Oriental Pearl actively promotes AI in broadcasting, enhancing content production and user experience [8][31] Group 14 - Zhizhen Technology focuses on IT operations in communication and government sectors, utilizing AI for efficient management [8][32]

2、行情预期支撑： 中信建投指出，市场逐步向慢牛行情演进，而证券板块的行情亦不会缺席这一进程。该机构强调，股票 市场活跃度是证券行业估值与业绩的同频指标，其景气度决定了板块估值的下限，而互联网券商因对交 易量敏感、业绩弹性大，成为重点推荐方向。* 3、AI赋能金融IT： 周五（1月23日），A股市场放量上涨，金融科技大面积飘红，中证金融科技主题指数反弹逾1%。其 中，星环科技领涨超10%，电科数字、拉卡拉、普元信息、信安世纪、新国都、拓尔思、赢时胜等多股 涨超2%。 热门ETF方面，百亿金融科技ETF（159851）场内收涨1.36%，全天放量成交8.16亿元。值得一提的是， 资金尾盘放量净流入，净申购放大至4.26亿份，按当日场内平均价计算约3.81亿元，统计来看资金单周 净流入超9亿元！ | | | 分财 部日 1分 5分 15分 30分 · | | | F9 盘新盘后 盈加 九成 图坛 工具 @ 2 > | | | | | | 金融科技ETF | | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | - ...

证券之星消息，1月23日多元金融板块较上一交易日上涨1.06%，拉卡拉领涨。当日上证指数报收于 4136.16，上涨0.33%。深证成指报收于14439.66，上涨0.79%。多元金融板块个股涨跌见下表： | 代码 | 名称 | 主力净流入(元) | 主力净占比 游资净流入 (元) | | 游资净占比 散户净流入 (元) | | 散户净占比 | | --- | --- | --- | --- | --- | --- | --- | --- | | 300773 | 拉卡拉 | 1.68(Z | 6.28% | -7887.14万 | -2.94% | -8954.93万 | -3.34% | | 603300 海南华铁 | | 6308.74万 | 8.13% | -3463.77万 | -4.46% | -2844.97万 | -3.67% | | 600120 浙江东方 | | 3206.32万 | 4.29% | -1711.56万 | -2.29% | --1494.76万 | -2.00% | | 600643 爱建集团 | | 2085.29万 | 17.27% | -175.77万 | -1.4 ...

从资金流向上来看，当日多元金融板块主力资金净流出7.46亿元，游资资金净流入3.36亿元，散户资金净 流入4.1亿元。多元金融板块个股资金流向见下表： | 代码 | 名称 | 收盘价 | 涨跌幅 | 成交量(手) | 成交额(元) | | | --- | --- | --- | --- | --- | --- | --- | | 000987 | 越秀资本 | 10.52 | 1.74% | 315.61万 | | 32.84亿 | | 600517 | 国网英大 | 7.04 | 1.73% | 111.40万 | | 7.83亿 | | 000415 | 渤海相赁 | 4.20 | 1.20% | 82.49万 | | 3.46亿 | | 600901 | 江苏金租 | 6.15 | 0.82% | 0 23.22万 | | 1.42亿 | | 6650009 | *ST熊猫 | 8.37 | 0.60% | 2.79万 | | 2311.62万 | | 000563 | 陕国投 A | 3.58 | 0.56% | 55.13万 | | 1.97亿 | | 002316 | 亚联发展 | 5.44 | ...

Core Viewpoint - The company is actively pursuing the application for the Luxembourg PI payment license as part of its international expansion strategy [1] Group 1 - Investors inquired about the company's efforts to obtain the Luxembourg PI payment license [1] - The company expressed gratitude for the interest and confirmed its commitment to accelerating international expansion [1] - The company is continuously promoting the application for overseas licenses in line with its strategic and business planning [1]

Investment Rating - The report assigns an "Increase" rating for the financial technology sector, indicating a positive outlook compared to the benchmark index [5][34]. Core Insights - The acceleration of AI applications is driving growth in the financial technology sector, with significant increases in stock prices observed during the reporting period [2][8]. - The financial technology index rose by 7.4% from January 4 to January 16, 2026, outperforming the Shanghai and Shenzhen 300 index, which increased by 2.2% [8][12]. - Key segments within the financial technology sector, such as financial IT and financial information services, have shown remarkable performance due to the positive impact of AI applications [9][12]. Summary by Relevant Sections AI Applications and Financial Technology Growth - The financial technology sector has seen a surge in stock prices, with notable increases in financial IT and financial information services, attributed to the recent advancements in AI applications [9][12]. - The financial IT segment experienced a growth of 10.59%, while financial information services grew by 13.06% during the reporting period [12]. Financial IT Upgrades and Market Stability - Collaborations between financial institutions and technology companies are enhancing operational efficiency and service delivery, such as the partnership between UnionPay and Industrial and Commercial Bank of China to utilize digital RMB for elder care services [13][14]. - The introduction of AI-driven operational frameworks is transforming financial operations, exemplified by the collaboration between Huawei and Bank of Communications [14]. Regulatory Developments in Financial Information Services - Recent regulatory changes, including the adjustment of margin requirements for financing transactions, aim to mitigate leverage risks in the market [15]. - The tightening of regulations in the financial information services sector is expected to enhance market stability and investor confidence [15][17]. Third-Party Payment and Compliance Enhancements - The People's Bank of China has introduced new anti-money laundering regulations that will significantly impact compliance processes within financial institutions [17]. - Adjustments in transaction fees by payment platforms aim to improve user experience while adhering to regulatory requirements [18]. Consumer Finance Sector Developments - A notable case of regulatory action was taken against a bank for imprudent loan practices, marking a significant enforcement action in the consumer finance sector [19]. Individual Company News and Announcements - Key developments include the completion of a cross-border acquisition by Jiufang Zhitu and the implementation of share reduction plans by executives at Dongfang Caifu [20][22]. - Innovations in AI assessment benchmarks and data management platforms have been introduced by companies like Qifu Technology and Changliang Technology, enhancing their competitive positioning in the market [20][21]. Investment Recommendations - The report highlights several companies poised to benefit from the ongoing digital RMB initiatives and AI advancements, including Changliang Technology, Yuxin Technology, and Jiufang Zhitu [26]. - The potential for growth in the consumer finance sector is also noted, with recommendations for companies focusing on intelligent customer service and marketing solutions [26].