2026年1月9日，中信集团第三届"绽放杯"数字化应用大赛总决赛在北京中信大厦圆满落幕。中信集团党 委书记、董事长奚国华，党委副书记、副董事长、总经理张文武，党委副书记张世昕，党委委员、副总 经理王国权、曾琪出席并为获奖项目团队颁奖。北京市科协副主席王美艳受邀出席。 "绽放杯"大赛是中信集团数字化发展"应用绽放"行动的重要组成部分。连续三届比赛挖掘培育了一批在 不同业务领域中示范效应强、综合效益好、发展潜力大的数字化应用，为以数字化推动传统产业转型升 级提供了借鉴和引领。 本届大赛设置了"人工智能+"、安全信创、开放创新、智能体四个赛道，旨在引导各单位贯彻落实"人工 智能+"行动、深化数字技术融合应用、筑牢网络安全防线。大赛自2025年10月启动以来，共计64家单 位153个项目参赛，应用案例覆盖金融、制造、生物育种、电力等多个领域。来自中国科学院、北京大 学、北京航空航天大学、中央财经大学、中国移动（600941）等产学研知名机构的35名外部专家评委， 围绕技术创新、应用成效、推广价值等维度对参赛项目进行专业评审。经过层层选拔，"中信天盾智能 防控项目"等3个项目荣获一等奖，"场外柜台交易(OTC)系统国产 ...

随着债务重组的完成，融创中国的经营修复已迈入业务重启的实质性阶段。1月25日，北京商报记者了 解到，融创中国位于天津的梅江地块项目近期已完成开发主体的股权变更，并由中信信托全面接手。据 知情人士透露，该项目开发公司"天津融创致成"的股权已于2026年1月19日发生变更。原股东全部退 出，中信信托以全资股东身份入场，实现了对项目公司的完全控制。这标志着融创中国在获得中信体 系"全周期、全链条"支持后，首个重大合作项目已进入落地执行环节，也被视为融创中国穿越债务周 期、恢复正常经营的关键一步。 作为曾经以激进并购快速扩张的行业巨头，融创中国于2022年5月公开债务违约。在创始人孙宏斌的带 领下，目前融创中国已完成包括境内债重组、近600亿元债务压降以及境外债"债转股"等一系列操作。 随着2025年孙宏斌两度公开现身并传递聚焦业务的信号，融创中国的经营重心正从风险化解转向常态运 营。 标志性项目重启 1月25日，北京商报记者获悉，融创中国与中信集团合作重启的天津梅江地块，其项目开发主体"天津融 创致成"已于2026年1月19日完成股权变更。原股东全部退出，中信信托以全资股东身份入场，实现对项 目公司的完全控制。这标 ...

随着债务重组的完成，融创中国的经营修复已迈入业务重启的实质性阶段。1月25日，北京商报记者了 解到，融创中国位于天津的梅江地块项目近期已完成开发主体的股权变更，并由中信信托全面接手。据 知情人士透露，该项目开发公司"天津融创致成"的股权已于2026年1月19日发生变更。原股东全部退 出，中信信托以全资股东身份入场，实现了对项目公司的完全控制。这标志着融创中国在获得中信体 系"全周期、全链条"支持后，首个重大合作项目已进入落地执行环节，也被视为融创中国穿越债务周 期、恢复正常经营的关键一步。 作为曾经以激进并购快速扩张的行业巨头，融创中国于2022年5月公开债务违约。在创始人孙宏斌的带 领下，目前融创中国已完成包括境内债重组、近600亿元债务压降以及境外债"债转股"等一系列操作。 随着2025年孙宏斌两度公开现身并传递聚焦业务的信号，融创中国的经营重心正从风险化解转向常态运 营。 标志性项目重启 1月25日，北京商报记者获悉，融创中国与中信集团合作重启的天津梅江地块，其项目开发主体"天津融 创致成"已于2026年1月19日完成股权变更。原股东全部退出，中信信托以全资股东身份入场，实现对项 目公司的完全控制。这标 ...

来源：蒙格斯报告 探索前沿、研判趋势、赋能实践 于不确定性中锚定发展确定性 以理性洞察穿透时代迷雾 把握经济发展的核心脉搏 从DeepSeek的横空出世到AI泡沫风险防控 从美国关税冲突博弈到地缘政治解构 从资本市场起伏到消费活力提振 蒙格斯智库专家学者们 AI浪潮重塑产业生态 地缘博弈交织经贸变局 解构AI浪潮驱动的产业变革路径 拆解关税冲突背后的经贸博弈逻辑 预判资本市场波动趋势 探寻提振消费活力的有效路径 引领读者洞悉复杂变局 与不确定性交织下的财经核心脉络 感知时代转型进程中的强劲发展动能 为致敬过去一年的丰硕思想成果 蒙格斯特别推出年度重磅企划 "蒙格斯2025年度阅读量TOP10文章"以及 第七届"蒙格斯智库年度作家"评奖 致敬每一份智慧洞见与深度思考 展望崭新的2026年 期待专家学者们在前沿领域持续深耕细作 创作出更多映照时代的思想华章 房地产曾是中国经济高速发展的重要引擎，其金融化属性催生了行业繁荣，却也暗藏投机泡沫与高空置 率的隐忧——城镇住房空置率持续攀升，租售失衡导致刚需难满足、资源浪费等多重困境。当"堵"式调 控难破僵局，"租售并举"成为破题关键。文章聚焦房地产金融化的核心矛盾，探索 ...

这一年,信念如钢、使命 在肩。我们心怀"国之大者"、牢 记股股嘱托,深入实施金融 "强核"、实业"星链"、科技"磐石" 工程,攻坚"卡 時子"技术,因她 制宜发展新质生产力,以中信 所能服务国家所需、人民所盼。 这一年,信守如一、携手 共进。我们向下扎根、向上生 长,向外拓展、向远肥骋,深耕 主责主业,服务区域发展,做 优海外业务,以更多中信智慧、 中信模式、中信平台联手合作 伙伴共创新可能。 日迈月征,每名职工风雨 来程、拼搏奋斗的身影是最难 忘的瞬间;斗转星移,每位家属 理解陪伴、相互扶持是最温暖 的力量;春秋代存,每个伙伴互 信互惠、合作共赢是最坚定的 支持。涌流虽暴,浸成江河,最 终汇聚为推动中信奔涌向前 的磅礴力量。 生连感世,当不负时代, 光荣使命呼唤勇被担当。2026年 是"十五五"开局之年。前路灿灿、 未来可期,让我们共处山海、 逐光前行,续写世界一流科技 型卓越企业集团建设新篇章! 中信集团党委 来源：中信集团 责任编辑：曹睿潼 来源：中信集团 图、化汗水为笔墨,会就一幅 改革发展新画卷。 这一年,信仰如磐、初心 如 矩。我们始终坚持听党话、 跟党走,锅灾党的建设、深化 改革双"一三五"工作 ...

Group 1 - The event "2026 Five Peaks Live Broadcast" is organized by CITIC Group and CITIC Securities in collaboration with Huaxia Fund, aiming to inspire participants to pursue their dreams in the new year [1] - The live broadcast is scheduled for January 1, 2026, at 7:45 AM, encouraging attendees to welcome the new year with optimism and good fortune [1]

Core Insights - The "Foundation for a Strong Nation - Achievements Exhibition of China's Manufacturing during the 14th Five-Year Plan" showcases the significant accomplishments of China's manufacturing industry, particularly highlighting the AITO M9 electric vehicle as a symbol of the country's advancements in the automotive sector [2][3] - The exhibition emphasizes the transformation of China's automotive industry from a technology-importing "world factory" to a leader in high-end intelligent electric vehicles, showcasing its ability to define technology standards and influence global market trends [3][4] Industry Achievements - During the 14th Five-Year Plan, China's new energy vehicle industry achieved decisive victories, with annual production and sales exceeding 13 million units, maintaining the world's largest market for ten consecutive years [2] - The AITO M9 has delivered over 900,000 units cumulatively, with more than 260,000 units sold since its launch, dominating the luxury car market priced above 500,000 yuan for 20 consecutive months [4] Technological Innovation - The AITO M9's recognition at the national exhibition is attributed to its advanced technology, including the multi-in-one super range extension system and high-integration electric drive system, which address common concerns such as range anxiety [5] - The collaboration between Seres and Huawei exemplifies the integration of ICT technology with automotive manufacturing, accelerating the application of cutting-edge technology in complex industrial products [5] Strategic Collaborations - Seres signed a strategic cooperation agreement with CITIC Group, focusing on comprehensive financial services and deep collaboration across the automotive industry chain, which supports the development of new energy vehicles [6] - This partnership signifies a strong alliance between a leading automotive company and a financial giant, providing essential funding and resources for long-term R&D, supply chain stability, and global market expansion [7] Future Outlook - The competitive landscape for leading automotive companies is evolving towards a comprehensive approach that includes technology, product development, manufacturing, capital, and global strategy [7] - The rise of China's automotive industry is driven by innovation, ecological collaboration, and strategic guidance, indicating a shift from "Chinese speed" to "Chinese quality" and "Chinese innovation" [7]

Core Viewpoint - The successful launch of the Xinyue Bay project in Shenzhen, which achieved over 10 billion yuan in sales within two hours, highlights the strong demand for high-end residential properties in the Greater Bay Area and the effectiveness of financial institutions in revitalizing stalled real estate projects [1][5]. Group 1: Project Overview - Xinyue Bay features 156 units ranging from approximately 302 to 658 square meters, with an average total price of about 84.36 million yuan and an average price per square meter exceeding 240,000 yuan [1]. - The project is notable for being a "rescue project," previously held by the financially troubled Kaisa Group, which owned 70% of the equity before the project was taken over by CITIC Urban Development [1][2]. - The project has set records in the Shenzhen high-end residential market, including the highest recorded average price for new homes in China at approximately 244,400 yuan per square meter [5]. Group 2: Financial Institution Involvement - CITIC Urban Development, a subsidiary of CITIC Group, plays a crucial role in revitalizing real estate projects, having already engaged in hundreds of rescue projects [2][3]. - The collaboration between CITIC Bank, Kaisa Group, and CITIC Urban Development involves a service trust model, where CITIC Bank acts as a creditor, and CITIC Urban Development provides financing for project development [3]. - The backing of CITIC Urban Development is seen as a significant factor in restoring market confidence and facilitating the successful sale of the Xinyue Bay project [5][6]. Group 3: Market Implications - The strong sales performance of Xinyue Bay reflects the robust purchasing power in the high-end real estate market and underscores the importance of financial backing in the recovery of stalled projects [5][6]. - CITIC Financial Assets has been instrumental in providing rescue financing, having invested in 93 projects since 2022, totaling 55.9 billion yuan, which has helped ensure the delivery of 75,900 housing units [6]. - The interaction between the real estate and financial sectors is critical, as financial institutions are actively working to revitalize valuable projects, contributing to the stabilization and recovery of the real estate industry [6].

2025年5月，国有六大行定期存款一年期利率集体跌破1%关口；11月，五年期大额存单从多家银行产品列表中消失。中国居民曾经信赖的"无风险收益"防线 正在经历静默而深刻的退潮。 中信保诚人寿作为国内最早涉足分红险领域的保险公司之一，已在这一赛道深耕25载。数据显示，该公司近十五年累计保单红利支出约75亿元，金耀未来等 多款产品红利实现率100%，50余款产品近十年平均红利实现率超过100%，整体近十年平均红利实现率达102%。 这家由中信集团和英国保诚集团各持股50%的合资险企，正以其长期积累的分红险管理经验和稳健投资业绩，为低利率时代的财富管理提供了参考方案。 在确定性稀缺的时代，为何是分红险？ 分红险正在成为寿险市场的"新宠"，转型背后的逻辑清晰可见。 2025年9月1日起，金融监管部门实施"非对称下调"的预定利率调整政策：普通型人身险产品预定利率上限下调至2.0%，而分红型产品预定利率上限则设定为 1.75%。 此次调整中，分红险下调幅度相对较小，既体现了监管鼓励发展浮动收益型产品的导向，也为保险公司发力该领域提供了明确支撑。 从客户视角看，在当前利率环境下，银行5年期定期存款利率已普遍降至1.5%左右， ...

Group 1 - The APEC 'China Year' has officially commenced, with the China Council for the Promotion of International Trade (CCPIT) taking over the hosting rights for the 2026 APEC Business Leaders Summit and the APEC Business Advisory Council (ABAC) from South Korea [1] - APEC is the highest-level economic cooperation mechanism in the Asia-Pacific region, focusing on trade and investment liberalization and regional economic integration [1] - The ABAC, consisting of 63 representatives from 21 economies, is the only permanent institution representing the business community within the APEC framework [1] Group 2 - The 2026 ABAC annual activity plan has been unanimously approved, with four meetings scheduled in Jakarta (February), Mexico City (April), Thailand (July), and Shenzhen (November) to formulate policy recommendations for the APEC leaders [2] - In addition to organizing ABAC activities, the CCPIT is also actively promoting the preparations for the 2026 APEC Business Leaders Summit [2]