北京商报讯（记者 李秀梅）11月21日，首都"十四五"规划高质量收官系列主题新闻发布会——金融业 发展成就专场举行。北京金融监管局党委书记、局长朱衍生介绍，5年来，北京金融监管局聚焦普惠健 康保惠民利民原则，推动北京普惠健康保持续扩面提质。 朱衍生表示，下一步，北京金融监管局将全力支持北京地区普惠金融高质量发展，通过科学监管有效推 动商业健康保险规范发展，积极引导保险公司厚植为民情怀，遵循保险规律，以规范经营和诚信服务促 进行业健康发展，不断提升保险消费者的幸福感、获得感和安全感。 一方面，参保人数逐年增加。由2022年度的307万人上升至2025年度的434万人，目前累计参保超过1700 万人次，续保率由2023年度的65%上升至2025年度的80%。另一方面，理赔服务不断优化。本着"让数 据多跑路、群众少跑腿"的宗旨，在多方的共同努力下，推出了快赔服务。对于符合理赔条件的参保 人，由系统主动发送短信通知，参保人无需另外提交相关材料，只需要到"北京普惠健康保"微信公众号 填写领款人账户等相关信息，赔款最快1个至2个工作日即可到账。 朱衍生介绍，2026年度，北京普惠健康保在保障服务方面进一步升级：一是降低免 ...

Core Viewpoint - The 19th Shenzhen International Financial Expo showcases innovations in financial services, emphasizing the integration of technology, industry, and finance to enhance economic development and consumer welfare [1] Group 1: Event Overview - The expo, held from November 19 to 21, features a theme of "Industrial Finance New Heights, Sci-tech Empowerment Towards the Future" and covers an exhibition area of 15,000 square meters [1] - A total of 288 institutions and enterprises from various countries and regions are participating, with nine themed exhibition areas focusing on industrial finance, financial technology, and cross-border finance [1] Group 2: Citic Bank Credit Card Center - Citic Bank Credit Card Center, established in Shenzhen, has issued over 126 million cards by mid-2025, demonstrating a collaborative growth in efficiency, quality, and scale [3] - The "Citic Bank Happy Years Credit Card" targets elderly consumers, offering services such as medical appointment scheduling and discounts at wellness facilities, with over 800,000 users and a satisfaction rate of 96% [3] Group 3: Inclusive Finance Products - The "Citic Bank Yan GO Card" offers benefits for new citizens and residents of Futian, including cash vouchers and monthly rewards for spending, while the "Citic Bank Credit Card (Greater Bay Area Version)" focuses on cross-border consumption with various incentives [4] Group 4: Technological and Green Finance Innovations - The expo highlights the upgrade of dual-standard magnetic stripe cards to chip cards, enhancing security and reducing fraud risk, while maintaining attractive cashback offers [6] - Citic Bank's "Carbon Account" has over 27 million users and has achieved a carbon reduction of over 200,000 tons, promoting measurable and traceable low-carbon behaviors [6] Group 5: Consumer Engagement Initiatives - The "99365 Monthly Enjoyment Exchange" program allows cardholders to earn rewards based on their monthly spending, redeemable for various consumer benefits, supporting national policies to boost consumption [9] - Citic Bank aims to leverage technology and customer-centric strategies to enhance consumer welfare and promote economic growth through its credit card offerings [9]

Core Viewpoint - The event aims to discover and promote advanced experiences and benchmark cases in the inclusive finance sector from Guangdong's banking institutions, with over 139 innovative cases submitted by more than 100 financial institutions [2][5]. Group 1: Event Overview - The event is guided by the People's Bank of China Guangdong Branch and organized by Southern Metropolis Daily and Bay Finance Society [2]. - A total of 139 innovative cases have been submitted by 114 institutions, including state-owned banks, joint-stock banks, city commercial banks, rural commercial banks, village banks, policy banks, and financial leasing companies [3]. Group 2: Focus Areas for Case Submission - The event focuses on three main areas for case submissions: 1. Digital transformation in inclusive finance, showcasing how institutions utilize big data and AI to convert credit data into credit assets, enhancing service precision and efficiency for small, private, and agricultural enterprises [3]. 2. Inclusive supply chain finance, demonstrating how institutions leverage core enterprises to provide financial support to upstream and downstream small, private, and agricultural businesses [3]. 3. Region-specific inclusive finance, highlighting how institutions innovate credit products tailored to local economic characteristics and provide comprehensive risk protection for key industries [3]. Group 3: Evaluation Process - An expert evaluation panel will assess the submitted cases based on criteria such as thematic relevance, service accessibility, innovation, sustainability, risk management, compliance, and the institutions' inclusive finance business data [4]. - The evaluation results will be officially announced at a themed event in December [5].

Core Insights - The 19th Shenzhen International Financial Expo showcased the achievements and pathways of financial support for the real economy, attracting 288 institutions from various countries and regions [2] - Agricultural Bank of China Shenzhen Branch highlighted its dual-driven approach of "Technology Finance + Inclusive Finance" and launched the "Shenzhen AI City Travel Card Digital RMB Hard Wallet," which became a focal point of the event [2][4] Financial Innovation - The Shenzhen AI City Travel Card addresses key needs of foreign tourists, providing comprehensive information services and supporting public transportation with a simple "tap" operation [4] - The card features a digital RMB hard wallet, allowing foreign visitors to easily obtain and recharge the card using foreign currency or overseas bank cards, enhancing payment convenience [4][5] Strategic Development - The successful launch of the AI City Travel Card represents an innovative practice focusing on the core needs of foreign tourists, showcasing the dual empowerment of financial services and cultural tourism development [5] - The Agricultural Bank of China Shenzhen Branch has been actively promoting digital RMB innovations, including applications in cross-border payments and insurance, marking significant progress in the digital currency landscape [5][6] Technology and Inclusive Finance - The bank's exhibition at the expo demonstrated its efforts in supporting Shenzhen's "20+8" industrial clusters and small and micro enterprises, with over 1.3 million loans to technology enterprises and a loan growth rate exceeding 40% [6][7] - The bank has developed various financial products tailored for small and micro enterprises, achieving a loan balance of over 140 billion RMB and serving more than 30,000 small micro loan clients this year [7] Future Outlook - The expo served as a platform for the bank to communicate its strategic direction of driving technological innovation and serving the real economy, contributing to Shenzhen's goal of becoming a globally influential industrial financial center [8]

Core Viewpoint - The article emphasizes the importance of financial support in fostering technological innovation and high-quality development, particularly in the context of China's "new era" and the "14th Five-Year Plan" which advocates for the development of various financial sectors to support technology-driven enterprises [1][11]. Financial Support for Technology Enterprises - Financial institutions are encouraged to provide comprehensive financial services throughout the lifecycle of technology enterprises, including equity, debt, insurance, and more [1][11]. - In Wuhan's East Lake New Technology Development Zone, over 1,000 financial institutions are tailoring services to meet the diverse needs of more than 5,000 technology companies [1]. Case Study: Grando Intelligent Technology - Grando Intelligent Technology has rapidly evolved since its establishment in 2018, expanding from smart grid equipment to intelligent robotics and precision motion control [4][5]. - The company received significant financial backing through various rounds of equity financing and credit loans, which facilitated its growth and innovation [5][6]. Innovative Financial Practices - Financial institutions have shifted their focus from traditional asset-based lending to evaluating companies based on innovation potential, such as patents and market size [6]. - Grando's revenue has seen substantial growth, increasing from over 20 million to over 400 million in three years, demonstrating the effectiveness of financial support [6]. Addressing Company Challenges - Grando faced challenges in expanding its operations due to the need for a new office building, which required significant investment. Financial institutions provided timely support to facilitate this purchase through loans [7][8]. - The establishment of a long-term collaborative mechanism with Huazhong University of Science and Technology has further enhanced Grando's innovation capabilities [8]. Comprehensive Financial Services - The article highlights the establishment of a financial service system that supports technology enterprises at all stages, from basic research to commercialization [11]. - Since the "14th Five-Year Plan," banks have issued over 650 billion yuan in intellectual property pledge loans, reflecting a growing trend in financial support for innovation [11].

Core Insights - The public fund industry is undergoing a technological transformation, driven by the integration of "Artificial Intelligence+" into government initiatives and the emphasis on "digital finance" and "inclusive finance" [1] - The trend in the public fund industry is shifting towards "light issuance, heavy holding, and heavy service," indicating a move from simple product distribution to deep collaborative partnerships with sales channels [1] Industry Trends - The total scale of public funds has reached 36.25 trillion yuan, shifting the focus from scale expansion to high-quality development [2] - Issues such as "funds making money while investors do not," the impact of fee reforms on income structures, and the personalization of customer demands are pushing public funds and sales channels to break down barriers and build a collaborative ecosystem [2] - Future competition in the industry will center around "ecological capabilities," requiring a deep integration of public fund research and product capabilities with the customer reach and operational capabilities of sales channels [2] Technological Integration - The maturity of AI and digital technologies is providing critical support for deep collaboration, reducing service marginal costs and improving response efficiency [2] - The wealth management industry is transitioning from the preliminary stage of product and service online to a new stage of intelligence [2] Case Studies - Tianhong Fund's FinAgent financial intelligence tool exemplifies the focus on scenario-based implementation, enhancing service quality and efficiency [3] - The "Strategy Target Investment" tool developed in collaboration with JD Finance has significantly increased user engagement, with trading user numbers and transaction volumes rising by 3-5 times since its launch on June 27, 2025 [3] - The "Institutional Express" ETF investment tool, developed with Ping An Securities, has achieved a back-tested return of 48.18% over the past year, outperforming the CSI 300 index by 32 percentage points [4] Talent Development - Tianhong Fund's "Gold Medal AI Trainer" addresses the talent cultivation challenges in traditional channels by providing immersive training for bank wealth managers [4] - Over 700 wealth managers have participated in this training program, accumulating more than 20,000 minutes of training time, effectively enhancing their investor service capabilities [4] Future Outlook - The boundaries of institutional collaboration in the public fund industry's high-quality development are being continuously expanded by digital technologies [5] - The focus on investor-centric approaches and open ecosystems will inject lasting momentum into the high-quality development of the wealth management industry [5]

夜幕降临，华灯初上，深圳福田CBD的写字楼里依然活跃着无数追梦者的身影。这里不仅是城市的经 济动脉，更悄然成为金融知识传播的新阵地。近日，长城基金旗下投教直播专栏"投资小宏书"的主创人 员走进福田CBD夜校，为职场青年群体带来了一场题为"宏观新格局，投资新机遇"的分享课，希望以易 懂实用的金融知识赋能青年投资认知提升，以专业力量照亮年轻人的财富进阶之路。 近年来，随着权益市场活力提升，青年投资者逐渐成为市场的重要参与力量，但他们可能也面临着缺乏 系统、专业投资知识的困境。此次"投资小宏书"走进福田CBD夜校的分享，根据职场青年的时间特性， 将开课时间定在晚间的黄金时段，这让平日忙于工作的他们无需请假，在下班后的闲暇时光即可获得来 自专业机构的金融知识赋能。 本次分享由长城基金高级宏观策略研究员、"投资小宏书"栏目主理人汪立主讲。结合青年群体对市场趋 势、资产配置的实际需求，汪立围绕三大维度展开深入分析和讲解，包括全球宏观新格局下投资环境的 新变化、"十五五"规划蓝图中蕴含的投资新机遇，以及四季度投资策略展望与年末布局思路等内容。每 个知识点都紧扣职场人的关切点——既有应对当下震荡市的个人投资指南，也有把握时代 ...

Core Viewpoint - Shenzhen Construction Bank (Shenzhen Bank) showcases its commitment to supporting the real economy and addressing public concerns through comprehensive financial services at the 19th Shenzhen International Financial Expo, focusing on five key areas of development [2][12]. Group 1: Technology-Driven Financial Services - Shenzhen Bank has established a digital financing platform for small and micro technology enterprises, providing tailored financial products and services, with a technology loan balance exceeding 2.44 trillion yuan, adding over 48 billion yuan in the first ten months of the year [3][5]. - The bank has developed a "circle-chain" service model for leading technology enterprises, offering customized digital industrial chain platforms and serving over 9,000 enterprises nationwide [5]. Group 2: Green Finance Initiatives - Shenzhen Bank has accelerated the innovation of green financial products, achieving a green loan growth rate exceeding 25% this year, significantly higher than the overall loan growth rate [6]. - The bank has actively supported emerging green industries, providing loans to nearly 1,000 enterprises and launching the first batch of "water-saving loans" in collaboration with local associations [6]. Group 3: Inclusive Finance - The bank has focused on enhancing financial services for small and micro enterprises, with a total inclusive loan balance of 364 billion yuan and serving over 106,000 clients as of October 2025 [7][8]. - Shenzhen Bank has implemented a digital and platform-based approach to improve the efficiency of financial services, successfully providing 3.88 million yuan in emergency financing to a small jewelry company [7][8]. Group 4: Elderly Care Financial Services - In response to the aging population, Shenzhen Bank has developed a comprehensive pension financial service system, integrating various products and services to meet the diverse needs of elderly clients [9]. - The bank has established specialized financial service outlets and teams to provide tailored investment and financial education services for seniors [9]. Group 5: Digital Currency Applications - As a pilot institution for digital RMB, Shenzhen Bank has launched the "Digital RMB Smart Payment Worry-Free Platform" to address consumer pain points in the prepaid sector, covering 1,569 merchants and providing services to 960,000 consumers [11]. - The bank plans to expand the application of digital RMB in various prepaid scenarios, including elderly care and sports services [11].

Core Insights - Suzhou Rural Commercial Bank has successfully developed and implemented a new business model driven by "big data + grid management + extensive visits," significantly enhancing the quality and efficiency of financial services [1] Group 1: Big Data Utilization - The bank has redefined the customer lifecycle through digitalization, addressing challenges in customer identification and demand insight [2] - A comprehensive customer view has been established, integrating over 200 label dimensions to accurately identify static characteristics and potential needs of clients [2] - Real-time capture of customer behavior across various channels allows for immediate generation of potential business opportunities and precise customer segmentation [2] - The integration of internal and external data creates a dynamic supply chain map and multi-dimensional credit evaluation model, supporting targeted customer identification and differentiated strategies [2] Group 2: Grid Management - Grid management has clarified service responsibilities, effectively addressing the challenges of identifying whom to visit and where [3] - Responsibilities are allocated to specific areas, ensuring comprehensive coverage and efficient conversion of quality small and medium enterprises [3] - The integration of big data profiling with grid management has streamlined processes, converting abstract customer needs into concrete visit tasks [3] - Enhanced understanding of local customer needs through focused efforts in designated areas has reduced resource overlap and waste [3] Group 3: Extensive Visits - The extensive visit initiative combines online data with offline services, transitioning from a "one-way service" model to a "coexistence and win-win" approach [4] - Smart assistance during visits helps customer managers address core needs effectively, reducing preparatory pressure [4] - A three-tiered collaborative mechanism has been established to maximize the effectiveness of public-private interactions [4] - Post-visit feedback is uploaded in real-time to update customer profiles, creating a closed-loop system that enhances future service quality [4]

Core Insights - The 19th Shenzhen International Financial Expo showcased the theme of "Global Industrial Financial Center," with an exhibition area of 15,000 square meters and participation from 288 institutions worldwide [2] - Agricultural Bank of China Shenzhen Branch highlighted its dual focus on "Technology Finance + Inclusive Finance," launching the "Shenzhen AI City Travel Card Digital RMB Hard Wallet" as a key product [2][3] Group 1: Product Launch and Features - The "Shenzhen AI City Travel Card" integrates AI, cultural tourism, and finance, addressing key needs of foreign tourists in Shenzhen [3] - The card offers comprehensive services including information on natural attractions, dining, shopping, and tax refund guidance, along with real-time translation for 145 languages [3][4] - The digital RMB hard wallet feature allows foreign visitors to easily obtain and recharge the card using foreign currency or overseas bank cards, enhancing payment convenience [4] Group 2: Strategic Initiatives and Financial Services - The project represents a significant advancement in the application of digital RMB, aligning with national goals to improve payment convenience for foreign visitors [4] - Agricultural Bank of China Shenzhen Branch has been actively promoting digital RMB innovations, including applications in cross-border payments and insurance [5] - The bank's initiatives in technology finance have led to over 13,000 technology enterprises served, with a loan growth rate exceeding 40% [7] Group 3: Inclusive Finance and Community Engagement - The bank showcased products like "Industry Chain Loan" and "Park e-Loan" to support small and micro enterprises, with a small business loan balance exceeding 1.4 trillion yuan [8][9] - The bank has engaged in community outreach through events like "惠企万里行" to connect with businesses and provide tailored financial services [9] - The bank's commitment to agricultural finance was highlighted through innovative applications of digital RMB in agricultural scenarios [9] Group 4: Future Outlook - The expo served as a platform for the bank to communicate its strategic direction focused on technological innovation and service to the real economy [10] - The bank aims to enhance financial supply and service experience, contributing to Shenzhen's development as a global industrial financial center [10]