现代投资：金融业务面临监管趋严与利差收窄的双重压力

Core Viewpoint - Modern Investment (000900) faces dual pressures from tightening financial regulations and narrowing interest margins, impacting its financial business and environmental projects [1] Financial Business Challenges - The company highlights the challenges posed by stricter regulations and reduced interest margins, which are affecting its financial operations [1] - Environmental projects are primarily conducted through the PPP model, which is influenced by clients' payment capabilities, leading to extended accounts receivable periods for environmental enterprises [1] Strategic Responses - The company plans to establish a comprehensive policy dynamic tracking mechanism to anticipate policy trends and their impacts, enhancing its internal risk control system to improve risk identification and management capabilities [1] - Focus on core business by deeply exploring and fully utilizing the rich application scenarios of highways, leveraging advantages in finance, environmental protection, and new energy to steadily expand business and ensure revenue [1] - Strengthening core competitiveness by increasing investment in technological innovation and digital transformation, actively introducing advanced technologies and management concepts [1] - Through technological innovation and digital transformation, the company aims to enhance refined management, reduce operational costs, increase R&D efforts, and promote the conversion and application of technological research outcomes to improve service efficiency and risk management capabilities [1]