专家共话“十五五”金融发展大计 建议从三方面重构资本市场生态链

Core Insights - The 2025 Shenzhen International Financial Conference emphasized the importance of the Guangdong-Hong Kong-Macao Greater Bay Area (GBA) as a leading zone for financial innovation and cooperation, aiming to enhance global financial stability and development [1][2]. Group 1: Financial Innovation and Development - The GBA is positioned as a core area for technological innovation, providing rich application scenarios for financial innovation and necessitating a departure from traditional frameworks [1]. - Experts highlighted the need for deeper interconnectivity between markets and enhanced global financial collaboration to transform the GBA into a significant growth engine for the global economy [1][2]. Group 2: Role of Insurance and Banking - The insurance sector is expected to act as a stabilizer for the economy, contributing to financial security and development during the "14th Five-Year Plan" period [2]. - The banking industry is entering a new phase of transformation, focusing on aligning national needs, industry directions, customer desires, and institutional capabilities [3]. Group 3: Capital Market and AI Integration - The "14th Five-Year Plan" suggests improving the inclusivity and adaptability of capital market systems to better coordinate investment and financing functions [3]. - AI is identified as a key driver for China's economic transition from factor-driven to innovation-driven growth, with a call for the financial sector to enhance resource allocation and innovation incentives [3]. Group 4: Asset Transformation Trends - The rapid evolution of AI technology is leading to significant transformations in financial assets, with a trend towards converting heavy assets into light assets through financing leasing and industrial chain division [3]. - The GBA is recognized as a core area for the "light asset, heavy capital" transformation, promoting collaborative innovation and supporting the construction of a financial powerhouse [3].