广东的科创团队因研发资金告急辗转难眠，贵州的薏仁米种植企业为扩大产能愁眉不展，重庆的养老机构因缺抵押融资屡屡碰壁——这些曾困扰无数中小 微企业的发展难题，如今正被一个平台破解。 一年多时间里，资金流信息平台做了哪些工作，取得了哪些成绩？根据记者从征信中心了解到的情况，在征信中心与中国各级分支机构的协同推动下，各 金融机构加速接入资金流信息平台。截至2025年10月底，资金流信息平台有1828家法人机构接入，为6600多万户企业建立了资金流信用档案，实现了1亿 多个企业结算账户资金流信用信息共享，基本实现了全国范围内企业主体的全覆盖。 "目前，各金融机构正持续拓展平台应用场景，积极开发'资金流信用信息+'特色金融产品，将沉寂的数据资源转化为企业的'信用资产'，推动信贷资金精 准流向实体经济重点领域与关键环节。"征信中心有关业务负责人披露，截至2025年10月底，金融机构已依托资金流信息平台累计发放贷款超1.5万亿元。 其中，支持普惠金融授信8369亿元，支持中小微企业融资13948亿元，让"数据"真正转化为了企业发展的"真金白银"。 为科创活力"破局铺路" "技术硬但家底薄"，是科创企业的普遍痛点。轻资产、缺抵 ...

近日，金融壹账通联合亚马逊云科技及技术伙伴聚云科技成功举办"生成式AI技术创新日"活动。本次活 动汇聚40余位嘉宾，通过高层战略对话、技术研析与深度合作探讨，共同擘画生成式AI技术在金融科 技领域的创新蓝图与应用前景。 当前，生成式AI技术正快速重塑全球产业格局，成为推动数字化转型与业务创新的核心引擎。在金融 行业迈向智能化、场景化、开放化的关键阶段，积极拥抱并驾驭这一技术浪潮，已成为金融机构与科技 企业的重要战略选择。 金融壹账通香港分公司CEO兼AI数智事业部总经理金新明在活动开场致辞中，阐述了生成式AI对金融 行业数字化转型的战略意义。他认为，生成式AI技术将为企业提供智能化转型的全新思路，未来将会 有更多生成式AI技术创新应用与行业融合的实践。亚马逊云科技金融行业销售负责人陈鸣、聚云科技 创始人朱军等随后分别进行发言。三方一致认为，举办本次开放日活动进行深度交流，旨在共同开拓生 成式AI在金融科技领域应用的新边界，探讨三方深入合作的新方向。 在核心的技术分享环节，行业专家带来了兼具理论深度与实践洞察的精彩内容。 系统化构建认知：亚马逊云科技专家邓琪彪进行了题为《生成式AI技术》的专题培训，从技术演进、 ...

证券日报网讯神州信息（000555）11月24日在互动平台回答投资者提问时表示，公司基于金融行业数字 化沉淀，紧紧围绕凝聚数据、盘活资产、发挥价值三个方面，构建覆盖数据全生命周期的价值管理体 系，助力金融创新和金融数字化转型。公司紧随银行业数字化进程，构建了全域数据管理平台，为金融 客户提供全面数据体系咨询和方案落地。形成了数据汇聚、数据治理、数据资产、数据应用、数据服务 五维一体完整的数据解决方案。 ...

封关在即，海南自贸港潮涌不息。海风徐徐，传来一个又一个令人振奋的消息。广发银行认真学习贯彻 好党的二十届四中全会精神，凝心聚力真抓实干，充分发挥毗邻区位优势，将金融服务自粤港澳大湾区 延伸到海南自贸港，为高水平对外开放注入澎湃金融动能。 搭建跨境合作桥梁，助力海南自贸港建设 作为我国对外开放的重要窗口，畅通海南自贸港贸易通道成为吸引境外投资者的重要因素，广发银行持 续创新跨境服务模式，助力外贸企业稳规模、优结构，支持海南省扩大高水平对外开放。 广发银行海口分行充分把握海南自贸港"零关税""低税率""简税制"的政策红利，围绕建设"三区一中 心"战略定位，构建丰富的跨境业务产品体系，服务"引进来"和"走出去"企业。 一方面，加大跨境金融产品供给，提供跨境资金池，支持企业在全球范围内优化资金配置；开展内保外 贷、外保内贷业务，拓宽跨境企业融资渠道；协同广发银行在港澳分行开展跨境直贷，降低企业融资成 本。 另一方面，持续提升跨境业务服务水平，提高跨境结算便利度，推广资本项目收入支付便利化政策，为 境内外企业提供多元化币种选择，助力更高水平贸易投资人民币结算便利化试点政策实施；提升跨境贸 易融资效率，积极落实支付便利化 ...

封关在即，海南自贸港潮涌不息。广发银行学习贯彻好党的二十届四中全会精神，凝心聚力真抓实干， 充分发挥毗邻区位优势，将金融服务自粤港澳大湾区延伸到海南自贸港，为高水平对外开放注入澎湃金 融动能。 搭建跨境合作桥梁，助力海南自贸港建设 作为我国对外开放的重要窗口，畅通海南自贸港贸易通道成为吸引境外投资者的重要因素，广发银行持 续创新跨境服务模式，助力外贸企业稳规模、优结构，支持海南省扩大高水平对外开放。 广发银行海口分行充分把握海南自贸港"零关税""低税率""简税制"的政策红利，围绕建设"三区一中 心"战略定位，构建丰富的跨境业务产品体系，服务"引进来"和"走出去"企业。 一方面，加大跨境金融产品供给，提供跨境资金池，支持企业在全球范围内优化资金配置；开展内保外 贷、外保内贷业务，拓宽跨境企业融资渠道；协同广发银行在港澳分行开展跨境直贷，降低企业融资成 本。 "惠"就千行万业，绘就普惠金融蓬勃发展的生动图景。海口分行积极落实支持小微企业融资协调工作机 制，开展清单式排查，上门问需，实行专人专管、优先受理，全面满足小微企业金融需求。截至目前， 分行普惠小微企业贷款余额较年初增幅14%，向在琼乡村振兴帮扶点累计投入帮 ...

11月18日，第二十届中国经济论坛平行论坛——2025大湾区科技与金融创新发展大会在广州南沙隆重举 行。宇信科技"零售信贷（包括普惠和消费信贷）自营业务转型合作运营模式——区域性银行数字化普 惠金融新范式"凭借突出的创新性、显著的实践成效与广泛的行业示范意义，成功斩获"十四五"金融创 新优秀案例奖项。宇信科技数字金融产研融合业务部总经理李安东受邀出席大会并上台领奖。 作为国内科技与金融领域的重要交流平台，本次大会由证券时报社主办，汇聚了来自多个国家部委及广 东省领导、知名经济学家、科技金融企业代表等重量级嘉宾，共同探讨"十四五"后期科技与金融深度融 合的新路径、新模式。此次获奖，不仅是对宇信科技在金融科技领域技术实力与创新能力的权威认可， 更彰显了公司在助力区域性中小银行数字化转型、推动普惠金融落地方面的实践价值。 该项目的成功缘于在模式、风控、技术与体系四个维度的全面创新：1. 服务模式创新："联合运营+效 果付费"破解合作困局；2. 风控机制创新：量化风控与传统风控的有机融合；3. 科技应用创新：微服务 架构支撑全流程数字化；4. 体系协同创新：五大体系联动实现全域高效运营。 成效显著：数据印证价值，示范 ...

Core Insights - The conference "2025 Financial Development Forum" held in Beijing focused on exploring new paths for high-quality development in the financial industry, gathering experts from various sectors including banking, insurance, and trust [1] Group 1: Company Overview - Sichuan Bank, established on November 7, 2020, is the first provincial-level city commercial bank in Sichuan Province, with total assets exceeding 500 billion yuan, which is more than three times its initial size [1][2] - The bank has maintained a "double AAA" credit rating since its inception [1] Group 2: Challenges and Growth - Sichuan Bank has faced multiple challenges due to a low-interest-rate environment and intense competition, particularly from large banks extending services to small and medium-sized enterprises [2] - Despite these pressures, the bank has achieved rapid asset growth, with total assets surpassing 500 billion yuan as of September this year [2] Group 3: Strategic Directions - The bank's growth is attributed to several key strategic directions: 1. A firm market positioning focused on local markets and regional clients, leveraging deep regional knowledge [3] 2. A shift from relying solely on interest margins to providing diversified financial services centered around customer needs [3] 3. A timely response to market demands by utilizing the advantages of small and medium-sized banks in decision-making processes [3] Group 4: Product Offerings - Sichuan Bank has developed a range of specialized credit products targeting key industries such as manufacturing and strategic emerging industries, including "Chuan Yin Intelligent Manufacturing Loan" and "Chuan Yin Green Loan" [3] - The bank is also exploring financial empowerment for the cultural and tourism sectors through an integrated service model [3] Group 5: Digital Transformation - The bank emphasizes the strategic importance of digital transformation, launching a plan to provide dedicated service teams for local industrial parks, aiming to cover the entire financial service chain for enterprises [4] - By the end of September 2025, Sichuan Bank aims to provide financial services to 100 industrial parks, with proactive credit issuance exceeding 200 billion yuan [4] - The bank is integrating digital capabilities to enhance service efficiency and is collaborating with fintech companies and data centers for data modeling and digital capability development [5]

Core Insights - The article emphasizes the importance of domestic demand as a key driver for economic growth during the "15th Five-Year Plan" period, highlighting the role of financial support in stimulating consumption and unleashing potential in domestic demand [1][2]. Group 1: Financial Support for Consumption - Financial tools are being utilized to rapidly revive the consumption market, with increased fiscal subsidies and financial interest discounts aimed at promoting major consumer goods such as automobiles and home appliances [1][2]. - The introduction of personal consumption loan interest subsidies covers high-frequency scenarios like shopping, tourism, and home decoration, injecting strong momentum into service sector consumption [1][2]. Group 2: Growth of Consumer Credit - Consumer credit has seen both quantity and quality growth, with a significant increase in household consumption loans excluding personal housing loans compared to the beginning of the "14th Five-Year Plan" [2]. - Financial institutions are innovating to support new consumption patterns, launching targeted products like "Specialized and Innovative Loans" to provide precise funding for emerging business models [2]. Group 3: Digital Transformation in Consumer Finance - The digital transformation of consumer finance is accelerating, with improvements in mobile payment and digital currency infrastructure, leading to a comprehensive financial service ecosystem [2]. - By 2024, mobile payment transaction volume is expected to reach 563.7 trillion yuan, with user numbers surpassing 1 billion, indicating a robust digital finance landscape [2]. Group 4: Addressing Financial Service Imbalances - The article identifies the need to improve inclusive finance mechanisms to address imbalances in financial services between urban and rural areas, advocating for collaboration between major banks and rural credit cooperatives [3]. - Establishing a rural credit scoring system based on integrated data from social security and consumption will provide better loan terms for creditworthy rural consumers [3]. Group 5: Enhancing Financial and Industrial Policy Coordination - Strengthening the collaboration between financial and industrial policies is essential to activate new consumption growth points, with a focus on integrating financial services into key industries like green appliances and renewable energy vehicles [4]. - The establishment of special consumption finance guiding funds is encouraged to support innovative projects in essential service sectors, creating a virtuous cycle of policy guidance, financial support, and industrial implementation [4]. Group 6: Risk Management and Regulatory Framework - The article stresses the importance of a new governance system that combines technology and regulation to prevent systemic risks, including clear capital requirements for internet lending platforms [4]. - Continuous monitoring of credit fund flows and strict measures against fraudulent practices are necessary to protect consumer rights and support sustainable economic growth [4].

Group 1 - Hong Kong government plans to relax capital investor entry scheme to attract more investors into the fintech sector [1] - Hong Kong Monetary Authority is exploring tokenization of conventional finance through the Ensemble sandbox and applying regulatory sandboxes to promote innovation and prudent risk management [1] - Hong Kong ranks third globally and first in Asia in the Global Financial Centers Index, with over 1,200 fintech companies, a 10% year-on-year growth [1] Group 2 - By 2032, the total revenue of Hong Kong's fintech industry is expected to exceed $600 billion, with an annual growth rate of over 28% [1] - The People's Bank of China emphasizes the importance of technology-driven financial innovation as a key driver for changes in financial development and governance systems in the context of the digital economy [2] - The People's Bank of China is focused on deepening the application of next-generation artificial intelligence in finance, developing policies to guide financial institutions in safely leveraging AI capabilities [2]

Core Viewpoint - The "14th Five-Year Plan" emphasizes the construction of a strong financial nation, focusing on serving the real economy, deepening reform and innovation, and preventing financial risks [1] Group 1: Development of Financial Sectors - The plan highlights the development of five key areas: technology finance, green finance, inclusive finance, pension finance, and digital finance [2] - In technology finance, banks and securities firms are encouraged to support innovative enterprises through loans and equity investments [2] - Green finance aims to align standards with international practices and explore carbon financial derivatives, supporting industries like energy storage and hydrogen [2] - Pension finance focuses on building personal pension product offerings and encouraging the development of long-term, stable pension products [2] - Inclusive finance should leverage digital transformation to create online financial products for small and micro enterprises and rural areas [2] - Digital finance requires financial institutions to invest in digital infrastructure and enhance service efficiency and risk control through technology [2] Group 2: Optimization of Financial Institutions - The plan calls for optimizing the financial institution system, encouraging institutions to focus on their core businesses and improve governance [3] - The financial system has developed into a comprehensive support service structure, with banks as the main service providers [3] - Large banks are expected to transition towards comprehensive and international development, while small and medium banks will focus on niche markets [3] - Non-bank financial institutions will play a more significant role in asset and wealth management [3] - Regulatory authorities will guide institutions to find their positioning and promote differentiated competition [3][4] Group 3: Strengthening Financial Regulation - The plan emphasizes the need for comprehensive financial regulation, enhancing collaboration between central and local regulators [5] - A robust risk prevention and resolution system is to be established to ensure financial stability [5] - Financial institutions are advised to strengthen risk management frameworks and utilize digital tools for comprehensive risk control [6] - There is a focus on improving compliance management and ensuring adherence to regulatory requirements [6]