策略体系、产品货架日臻完善 目前，国寿资产已经建立起覆盖多种资产类别、投资策略和客户风险偏好的产品体系，旨在全面服务中 国人寿系统内资金管理需求和第三方机构客户的投资需求。 针对中国人寿系统内的资金负债特性和配置需求，国寿资产提供定制化的资产配置和投资管理服务，主 要包括固收类投资、权益类投资和另类投资。同时，作为服务客户的两种载体，组合类保险资产管理产 品及第三方受托专户对应的策略体系和产品货架也在日臻完善。 "我们围绕固收、权益、混合三大类策略，构建了覆盖主动管理和被动策略、超过30个子策略的策略货 架，组合类产品及第三方专户总规模超过6000亿元。"国寿资产相关业务负责人说。 作为国内首批成立的保险资产管理公司之一，国寿资产自成立之初就承担了保险资金集中化、规范化和 专业化投资的使命，并以强大的投研能力作为发展内核，逐渐吸引越来越多保险业外资金进行委托投 资，形成了"一手抓系统内大账，一手抓系统外三方"的投资管理格局。 围绕推动"业、技、数"深度融合，向着数字化、智能化水平加快迈进，国寿资产采取多方面举措，包括 以CLIMB平台为核心，驱动全链条科技赋能，引领行业数字化转型，构建智能生态体系，深化科技治 ...

在规模、效益、结构稳步前行的同时，宁波银行资产质量继续保持业内较好水平。据悉，2025年，宁波 银行坚持"经营银行就是经营风险"的风控理念，持续完善全面风险管理体系，严格执行统一授信政策， 坚持实施独立的授信审批，进一步强化行业和产业链研究，从源头端控制好客户准入，做好风险全流程 预警，有序做好不良贷款的清收处置，资产质量保持稳健。 新华财经上海1月20日电（记者王淑娟）宁波银行20日晚间发布的2025年度业绩快报显示，2025年宁波 银行实现营业收入719.68亿元，同比增长8.01%，实现归属于母公司股东的净利润293.33亿元，同比增 长8.13%，不良贷款率0.76%，资产质量继续保持业内较好水平。宁波银行2025年A股股价涨幅达 20.68%。 2025年，面对复杂多变的经营环境，宁波银行持续积累差异化的比较优势，经营效益实现稳步提升。 值得一提的是，2025年，宁波银行实现利息净收入531.61亿元，同比增长10.77%，取得较快增长；实现 手续费及佣金净收入60.85亿元，同比增长30.72%，轻资本业务增长势头良好。 2025年，宁波银行严格落实国家各项金融政策要求，聚焦实体经济重点领域和薄弱 ...

南财智讯1月20日电，苏州银行在投资者关系活动中表示，本行持续完善"全口径、全覆盖、全流程、全 周期"的全面风险管理体系，不断优化授信政策和审批策略，加强各项业务的跟踪监测和检查频率，及 时预防化解相关风险，力争全年资产质量继续保持平稳态势。 ...

下一步，协会将进一步发挥委员会职能，推动行业不断完善全面风险管理体系，引导证券公司向主动风 控转型，提升行业风险管理水平，助力"十五五"时期证券行业和资本市场高质量发展。 人民财讯12月30日电，2025年12月24日，第八届中国证券业协会风险管理专业委员会首次全体会在北京 召开。委员们一致认为，委员会应紧密围绕"十五五"规划中金融领域战略部署，扎实做好防风险、强监 管、促高质量发展各项工作：一是持续完善自律规则体系。结合市场及行业发展新趋势、新变化，稳步 推进风险管理制度修订，建立覆盖全面、层次清晰、运行高效的自律规则体系。二是加强重点领域风险 防控。聚焦行业风险频发领域，梳理风险管控难点，总结推广先进经验，促进行业风险管理能力整体提 升。三是推动新兴技术在风险管理领域的前沿探索。关注人工智能、区块链等新兴技术对风险管理模式 的深刻影响，持续提升行业应对新型及复杂风险的能力。四是加强行业培训与交流。搭建常态化交流平 台，促进同业交流和风险信息共享，推动形成协同共治的风险管理生态。 ...

Core Viewpoint - The eighth session of the Risk Management Professional Committee of the China Securities Association aims to enhance the industry's risk management capabilities and ensure sustainable development while preventing systemic financial risks [1][3]. Group 1: Committee Meeting Outcomes - The first plenary meeting of the new committee was held on December 24, 2025, in Beijing, discussing key work for 2026 and announcing the appointment of new committee members [1]. - The previous committee achieved significant results in improving the comprehensive risk management system and enhancing the industry's risk management capabilities [1]. Group 2: 2026 Key Work Focus - The committee emphasizes the need to respond proactively to the current era and align with the strategic deployment of the "14th Five-Year Plan" in the financial sector, focusing on risk prevention, regulatory strengthening, and promoting high-quality development [2]. - Continuous improvement of the self-regulatory rule system is prioritized, with a focus on revising risk management regulations to create a comprehensive and efficient self-regulatory framework [2]. - The committee will strengthen risk prevention in key areas by identifying risk control challenges and promoting advanced experiences to enhance overall industry risk management capabilities [2]. - There is a push for exploring emerging technologies like artificial intelligence and blockchain in risk management to improve the industry's ability to handle new and complex risks [2]. - Establishing a regular communication platform for industry training and information sharing is essential to foster a collaborative risk management ecosystem [2]. Group 3: Future Directions - The China Securities Association will continue to implement the spirit of the 20th Central Committee's Fourth Plenary Session and the Central Economic Work Conference, enhancing the committee's role in improving the comprehensive risk management system [3]. - The focus will be on guiding securities firms towards proactive risk control and elevating the industry's risk management standards to support high-quality development during the "14th Five-Year Plan" period [3].

Core Insights - The "2025 Banking Industry High-Quality Development Conference" was successfully held, focusing on themes such as serving the real economy, digital transformation, AI+finance innovation, and risk prevention [1][3][5] Group 1: Industry Challenges and Opportunities - The banking industry is facing multiple challenges, including macroeconomic structural adjustments, digital transformation pressures, and intensified market competition, while also encountering strategic opportunities for high-quality development [3][4] - The "14th Five-Year Plan" and "15th Five-Year Plan" set new, higher requirements for financial services, emphasizing the need for banks to adapt to changing circumstances and innovate while maintaining core principles [3][4] Group 2: Role of the China Banking Association - The China Banking Association plays a crucial role as a bridge between regulators, institutions, and the market, focusing on self-discipline, rights protection, coordination, and service [3][4] - The association aims to guide the industry back to its core mission, directing financial resources towards key areas such as manufacturing, technological innovation, green development, and rural revitalization to alleviate financing difficulties for small and micro enterprises [3][4] Group 3: Digital Transformation and Risk Management - The association is promoting digital transformation by establishing platforms for industry collaboration, enhancing digital applications in core scenarios, and ensuring data security and privacy protection [4][5] - In terms of risk prevention, the association emphasizes self-regulation, promoting healthy competition, standardization, and consumer rights protection to strengthen the financial safety net [4][5] Group 4: Future Directions - The conference provided a valuable opportunity for the industry to exchange ideas and build consensus on key issues such as serving the real economy, digital transformation, and risk management [5] - The China Banking Association will continue to facilitate industry collaboration, aiming for new achievements in serving the real economy, breakthroughs in digital transformation, and advancements in brand building [5]

Core Insights - Suzhou Bank reported a strong performance in Q3 2025, showcasing a "steady progress with dual improvement in quality and efficiency" through an integrated strategy that combines "innovation + cross-border" and "livelihood + wealth" as dual engines for growth [1][2] Financial Performance - As of September 2025, Suzhou Bank's total assets reached 776.04 billion, an increase of 11.87% from the beginning of the year; total loans amounted to 368.55 billion, up 10.56%; and total deposits were 471.52 billion, rising by 13.08% [3] - The non-performing loan ratio stood at 0.83%, with a provision coverage ratio of 420.59%, indicating stable asset quality [3] - The bank achieved an operating income of 9.48 billion, a year-on-year increase of 1.88 billion, or 2.02%, with net profit attributable to shareholders reaching 4.48 billion, up 2.98 billion, or 7.12% [3] Strategic Initiatives - The bank is deepening "public-private linkage" to enhance customer loyalty and comprehensive revenue through shared resources and integrated service solutions [4] - The "integrated operation" strategy serves as the framework for business layout, while the "dual-engine" system drives operational momentum [6][9] Innovation and Risk Management - Suzhou Bank is focusing on "innovation + cross-border" and "livelihood + wealth" to enhance customer satisfaction and financial well-being [7][8] - The bank has established a comprehensive risk management system that supports innovation while maintaining stability, with a non-performing loan ratio consistent with the beginning of the year [11][12] Market Positioning - The bank's strategic layout and execution have allowed it to find a differentiated development path amid fierce market competition, positioning it for sustainable high-quality growth [12]

Core Viewpoint - The company is committed to establishing a comprehensive risk management system to ensure compliance and control business risks effectively [1] Group 1: Risk Management Strategies - The company is enhancing client admission for bulk business and tightening risk control measures for both bulk and cooperative business [1] - A mechanism for overdue warning has been improved, focusing on dynamic management of key indicators such as credit limits, margin, and accounts receivable [1] - The company is strengthening its compliance management system by creating three lists of key compliance areas [1] Group 2: Legal and Operational Controls - A dual legal review mechanism is being strictly implemented to improve the quality of legal reviews for important decisions, regulations, and major contracts [1] - The company is focusing on the management of "two funds" to comprehensively assess trade risks [1] - The overall goal is to achieve effective risk control, efficient operations, and tangible management results, while integrating trade risk control with information technology for timely data updates and proactive risk alerts [1]

Core Insights - The recent appointments of Wei Feng as Senior Vice President and Gao Li as Chief Risk Officer at Debon Securities signal a strategic focus on wealth management and risk management enhancement under the state-owned background [1][2][3] Group 1: Management Changes - Wei Feng, a prominent figure in the wealth management industry with over 20 years of experience, will oversee the company's wealth management business [1][2] - Gao Li, with over 10 years of industry experience, is set to strengthen the company's comprehensive risk management capabilities as the Chief Risk Officer [2][3] Group 2: Strategic Focus - The appointments reflect Debon Securities' commitment to implementing a market-oriented mechanism for attracting top talent, aiming for significant development in wealth management and a robust risk management system [3] - Wei Feng's previous success in transforming wealth management at Guotai Junan Securities from a traditional brokerage model to a client-centered "big wealth management" system is expected to influence Debon Securities' strategy [4] Group 3: Performance Metrics - Debon Securities has shown positive growth in its wealth management business, with total securities trading volume reaching 5,132.60 billion yuan in 2024, a 12% year-on-year increase [5] - The company's advisory service assets have rapidly increased to nearly 3 billion yuan, with a significant rise in the sales and management of financial products, particularly non-monetary public offerings, which saw a nearly 20% year-on-year increase in assets under management (AUM) [5]

Core Insights - The insurance industry is currently at a critical juncture for transformation and high-quality development, facing both strategic opportunities and challenges [2][3] - There is a growing demand for insurance products related to retirement, health, and long-term care, driven by changes in macroeconomic conditions, demographic structures, and technological advancements [1][2] Group 1: Industry Opportunities - The Chinese insurance market is the second largest globally, but there is still a gap in insurance depth and density compared to global averages [2] - The insurance industry is expected to evolve from a focus on risk compensation to a comprehensive management tool for quality of life and wealth management [1][4] Group 2: Consumer Demand Changes - Consumer preferences for risk management have shifted, leading to mismatches between supply and demand in the insurance sector, including issues like personalized needs versus standardized offerings [3][4] - There is a need for insurance companies to adapt to these changes by offering products and services that cover the entire lifecycle of customer needs, particularly in health, retirement, and wealth management [4] Group 3: Strategic Recommendations - The insurance industry should focus on high-quality development, enhancing compliance management, and innovating floating income products to better serve customer needs [4] - Companies are encouraged to adopt a family-centered approach to meet diverse needs in healthcare, retirement planning, and wealth preservation [4]