新华财经北京12月30日电（记者沈寅飞）赛迪顾问29日在京举办"2026年IT趋势"发布会。发布会围绕算 力、存储、大模型、人工智能+、工业软件、网络安全、卫星通信、产业互联网、金融数字化转型、城 市可信数据空间等十个IT重点领域进行分析解读，系统呈现2026年IT产业发展蓝图与变革方向。 如在算力领域，近年来，随着大模型与行业应用深度融合，算力需求呈现指数级增长。赛迪预计到2026 年中国算力总规模将突破1200 EFLOPS，稳居全球第二，其中智能算力贡献率接近90%。 在大模型发展方面，赛迪顾问人工智能与大数据研究中心高级分析师白润轩认为，2026年大模型市场将 持续爆发增长，企业部署量与调用量双双跃升。模型热潮之后，大模型将聚焦更懂业务的垂直小模型及 能自主协作的智能体等方向，从技术演进、产品形态到生态治理，逐步实现大模型从"通用底座"蜕变为 驱动产业变革的"智能引擎"。 在工业软件领域，从全球市场来看，2023-2025年全球工业软件市场平稳增长，复合增长率约为6.4%， 当前发展呈现增速平稳与结构优化并行的态势。赛迪顾问软件与信息服务业研究中心高级分析师杨晨晖 表示，预计2026年，工业软件在推动 ...

"优惠+便利"：进一步激发湾区消费 自《粤港澳大湾区发展规划纲要》实施以来，粤港澳大湾区互联互通日益迈向纵深，基础设施建设 的"硬联通"持续完善，金融互联、人才流动的"软联通"稳步推进。在此背景下，金融服务的便捷化与一 体化，成为提升湾区居民生活质量、促进各类要素高效流动的关键一环。 12月20日，广发信用卡中心携手广发澳门分行、广州分行在广州南沙率先启动一项跨境金融服务创新试 点，面向在南沙工作生活的港澳人士推出信用卡线上服务。此举旨在以数字化能力打破地域与服务边 界，为湾区生活提供更流畅、更便捷的金融支持。 服务创新：从线下折返到线上闭环 接受采访时，广发信用卡中心相关负责人表示，为彻底解决港澳客户申领内地信用卡需多次跨境奔 波"折返跑"传统难题，广发信用卡中心率先在广州南沙推出面向港澳人士线上申请、激活信用卡的一站 式服务。 据该负责人介绍，在全新服务模式下，港澳客户仅需通过"发现精彩"APP，即可在线上完成信用卡申请 全流程操作，将过去可能耗时数日、多次往返的线下流程，压缩至线上短时间内轻松完成，真正实现了 跨境办卡的"零距离"与"零往返"。这不仅极大地优化了港澳客户体验，也是广发信用卡深化数字化转 ...

12月18日，以"AI赋能金融创新"为主题的第六届金融科技应用与服务大会在上海市黄浦区召开。会议不 局限于对技术应用的常规探讨，更深入聚焦人工智能驱动下金融业的根本性变革。 浦发银行金融市场总监、首席经济学家薛宏立提出了一个结构性框架：以AI工程化驱动金融供给侧结 构性改革；以"数智化"重构金融服务价值链，激活新质生产力；以"人机协同"提升服务实体经济的质 效，最终践行"金融为民"的宗旨。这一论述超越了工具性应用，触及了AI如何从根本上改变金融业的供 给模式、价值创造与最终使命。 本次大会设立"提升金融数字化转型、赋能科技金融创新"圆桌对话环节。对谈直面金融数字化转型进 入"深水区"后的核心命题：在技术工具日益普及的当下，如何实现从"局部优化"到"系统重构"的跨越。 与会嘉宾形成共识——未来的突破将取决于技术、业务、组织与治理四者的协同演进。 上海市黄浦区人民政府副区长沈丹娜表示，作为上海国际金融中心的核心承载区，黄浦区深刻认识 到"科技是金融发展的核心引擎，AI是数字金融的未来方向"。黄浦区将全力支持各类金融科技企业在黄 浦发展壮大，在上海建设全球金融科技中心的征程中勇挑重担、走在前列。 中共上海市委金融委 ...

第三，以"平台型财通"为载体，夯实普惠金融根基。浙江作为开放强省，普惠金融的可及性直接关系营 商环境优化与共同富裕进程。章启诚强调，财通证券奋力打造"平台型财通"，打破资源壁垒，构建连接 政府、产业、企业、居民的服务生态。目前，公司在管居民资产达1.4万亿元，并打造低门槛、低费率 的普惠产品体系，2024年共富类产品销售203亿元，同比增长16%。 第四，以"变革型财通"为支撑，深化"五篇大文章"实践。章启诚指出，浙江人均可支配收入高，老年人 口基数大，推进共同富裕先行示范，更需完善养老金融供给，让老年人共享发展成果。财通证券奋力打 造"变革型财通"，突破"单一产品销售"思维，构建综合养老服务体系。依托子公司财通资管、财通基 金，公司目前已发行养老产品3只，规模约2.5亿元。 同时，浙江作为数字经济先发地，为金融数字化转型提供了技术土壤与应用场景。章启诚提到，当前财 通证券正积极构建"AI*（1+4+N）"数智财通创新体系——以1个数智财通大脑为核心，联动4大综合服 务平台，赋能N个业务场景，为做好金融"五篇大文章"提供坚实技术支撑。 演讲尾声，章启诚进一步解读"四型财通"建设称，科创是引擎，服务是底色，平台 ...

Core Insights - The establishment of the National Small and Micro Enterprises Fund Flow Credit Information Sharing Platform aims to address financing difficulties faced by small and micro enterprises across China, enhancing their access to credit and financial services [1][2][3] Group 1: Platform Overview - The Fund Flow Information Platform, launched on October 25, 2024, aggregates financial data to create accurate credit profiles for over 66 million enterprises, facilitating the sharing of more than 100 million enterprise settlement account credit information [1][2] - As of October 2025, 1.5 trillion yuan in loans have been issued through the platform, with 1.3948 trillion yuan specifically supporting small and micro enterprises [2] Group 2: Support for Innovation - The platform assists technology-driven enterprises by providing a comprehensive view of their financial activities, thus enabling financial institutions to better assess their creditworthiness [3][4] - In regions like the Guangdong-Hong Kong-Macao Greater Bay Area, the platform has led to the development of tailored financing solutions for innovative companies, enhancing their funding environment [3] Group 3: Green Finance Initiatives - The platform addresses challenges in green agriculture financing by improving credit information sharing and monitoring, thus facilitating access to financial resources for environmentally sustainable projects [5][6] - Specific cases include loans issued to agricultural enterprises in Guizhou, supporting local agricultural industries and enhancing financial backing for rural revitalization [6] Group 4: Accessibility for Small Enterprises - The platform enables small and micro enterprises, often lacking formal credit histories, to establish credit profiles based on their actual financial transactions, thus overcoming traditional barriers to financing [7][8] - Examples include a family-run vegetable farm receiving a 100,000 yuan credit loan based on its operational data, showcasing the platform's effectiveness in providing timely financial support [7] Group 5: Support for the Elderly Care Sector - The platform enhances financing opportunities for the elderly care industry, which typically faces high investment costs and long payback periods, by providing detailed insights into operational performance [9] - Successful financing cases include a 400,000 yuan credit line granted to a nursing institution in Chongqing, demonstrating the platform's role in supporting the aging population's needs [9] Group 6: Financial Transformation - The platform is pivotal in driving the digital transformation of the financial sector, allowing institutions to leverage big data and AI for improved credit assessment and risk management [10][11] - Initiatives in Shandong and Anhui provinces exemplify the platform's role in creating innovative financing solutions for small and micro enterprises, enhancing their access to credit [10][11]

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 ...

Core Insights - The event "Generative AI Technology Innovation Day" was successfully held by Financial One Account, in collaboration with Amazon Web Services and technology partner JuCloud, gathering over 40 guests to discuss the innovation blueprint and application prospects of generative AI in the fintech sector [1][3]. Group 1: Strategic Importance - Generative AI technology is rapidly reshaping the global industrial landscape and is becoming a core engine for digital transformation and business innovation [3]. - Financial institutions and technology companies view embracing generative AI as a crucial strategic choice during the key phase of intelligent, scenario-based, and open financial services [3]. Group 2: Expert Contributions - Financial One Account's CEO in Hong Kong, Jin Xinming, emphasized the strategic significance of generative AI for digital transformation in the financial industry, predicting more innovative applications and industry integration in the future [3]. - Amazon Web Services' financial industry sales leader Chen Ming and JuCloud founder Zhu Jun also contributed insights, agreeing on the importance of deep communication to explore new boundaries for generative AI applications in fintech [3]. Group 3: Technical Insights - Amazon Web Services expert Deng Qibiao provided a specialized training session on generative AI technology, covering its evolution, core principles, and mainstream models, thereby constructing a systematic knowledge framework for attendees [4]. - AWS's generative AI product solutions architect Gao Yunyi shared breakthroughs in multi-modal embedding models, illustrating the unique value of this technology in handling complex financial data through detailed case studies [4]. - JuCloud's generative AI architect Fu Yunbo shared practical experiences on efficiency improvement and cost reduction in enterprise-level applications, offering valuable references for future project implementations [4]. Group 4: Future Collaboration - The event facilitated a platform for deep dialogue between technology suppliers and industry users, highlighting the exploration of generative AI in enterprise intelligent transformation [4]. - Financial One Account aims to continue focusing on technological frontiers and deepen collaboration with partners to promote the in-depth application of AI technology in financial scenarios, enhancing its core competitiveness in the fintech sector [5].

Core Viewpoint - The company is focusing on building a comprehensive value management system that covers the entire data lifecycle to support financial innovation and digital transformation in the financial sector [1] Group 1: Company Strategy - The company is leveraging its digital capabilities in the financial industry by concentrating on three main aspects: data aggregation, asset activation, and value realization [1] - It has developed a comprehensive data management platform that aligns with the digitalization process of the banking industry [1] Group 2: Data Solutions - The company offers a complete data solution that includes five dimensions: data aggregation, data governance, data assets, data applications, and data services [1] - This integrated approach aims to provide financial clients with thorough data system consulting and implementation solutions [1]

Core Viewpoint - The article highlights the proactive measures taken by Guangfa Bank to support the development of Hainan Free Trade Port, emphasizing its role in enhancing financial services and cross-border cooperation to attract foreign investment and promote high-quality economic growth in the region [1][2][4]. Group 1: Cross-Border Cooperation - Guangfa Bank is innovating cross-border service models to assist foreign trade enterprises in stabilizing their scale and optimizing their structure, leveraging Hainan's policy advantages such as "zero tariffs" and "low tax rates" [2][3]. - The bank has expanded its cross-border financial product offerings, including cross-border cash pools and financing channels, to reduce costs for enterprises [2][3]. Group 2: Financial Support for High-Quality Development - Guangfa Bank is focusing on supporting Hainan's modern industries by enhancing its financial services, particularly for technology and green enterprises, to promote sustainable development [4][5]. - The bank's green credit balance has increased by 23.4% compared to the previous year, reflecting its commitment to supporting green transformation [4]. Group 3: Inclusive Finance Initiatives - The bank has implemented measures to support small and micro enterprises, achieving a 14% increase in loans to these businesses since the beginning of the year [5]. - Guangfa Bank is also enhancing its digital financial services, participating in various projects to improve public service efficiency in Hainan [5][6].

Core Viewpoint - The article emphasizes the role of Guangfa Bank in supporting the development of Hainan Free Trade Port through innovative financial services and cross-border cooperation, aiming to enhance the region's attractiveness to foreign investors [1][2][4]. Group 1: Cross-Border Cooperation - Guangfa Bank is innovating cross-border service models to assist foreign trade enterprises in stabilizing scale and optimizing structure, leveraging Hainan's "zero tariff," "low tax rate," and "simple tax system" policies [2][3]. - The bank is expanding its cross-border financial product offerings, including cross-border cash pools and financing channels, to reduce costs for enterprises [2][3]. Group 2: Financial Support for High-Quality Development - Guangfa Bank is focusing on supporting Hainan's modern industries and promoting high-quality development through a comprehensive financial strategy [4]. - The bank is enhancing support for technology-driven enterprises by providing tailored financial solutions and optimizing approval processes for credit products [4]. Group 3: Green Finance Initiatives - Guangfa Bank is increasing support for green enterprises and has seen a 23.4% year-on-year increase in green credit balance, promoting low-carbon development in traditional industries [4]. Group 4: Support for Small and Micro Enterprises - The bank is actively implementing measures to support small and micro enterprises, achieving a 14% increase in loans to these businesses since the beginning of the year [5]. - Guangfa Bank is also enhancing social security services for the elderly population, particularly for those from Heilongjiang province residing in Hainan [5]. Group 5: Digital Transformation and Service Improvement - The bank is committed to digital transformation and improving financial services, participating in various projects to enhance public service quality in Hainan [5][6]. - Guangfa Bank aims to maintain its focus on serving the public and supporting the development of Hainan Free Trade Port with more open and efficient financial services [6].