市场有风险，投资需谨慎。本文不构成个人投资建议，也未考虑到个别用户特殊的投资目标、财务状况或需要。用户应考虑本文中的任何 意见、观点或结论是否符合其特定状况。据此投资，责任自负。 2026年1月30日，中国人民银行召开2026年信贷市场工作会议。会议要求，大力发展科技金融、绿色金 融、普惠金融、养老金融、数字金融，强化消费领域金融支持。建设多层次金融服务体系，着力支持扩 大内需、科技创新、中小微企业等重点领域。继续做好金融支持融资平台债务风险化解工作，支持地方 政府持续推进融资平台市场化转型，引导金融机构按照市场化、法治化原则做好服务。 风险提示及免责条款 ...

Group 1 - The core viewpoint emphasizes the integration of financial technology into the financial sector, driven by policies aimed at enhancing risk control and efficiency through digital and technological collaboration [1][2] - The financial institutions' core competitiveness is shifting from mere scale expansion to a systematic capability based on technology and risk control [1][2] - The industry faces the challenge of balancing efficiency and risk control amid economic fluctuations and evolving risk patterns [1] Group 2 - The "Cloud Sail AI" solution represents a significant advancement in AI-driven sales processes, achieving a cost reduction to 1.64% (over 30% decrease) and a productivity increase of 2.5 times since its launch in May 2025 [2] - The "Intelligent Shield" system enhances client due diligence by automating material analysis and risk alerts, improving review efficiency by 75% and reducing processing time by 90% [3] - The DeepSeek model has intercepted risk cases amounting to 1.24 billion yuan, demonstrating quantifiable improvements in risk control effectiveness [4] Group 3 - The Aegis project, part of the credit approval process, utilizes AI for risk discovery, review, and decision-making, covering 157,000 applications within five months [5] - The "Intelligent Customer Service 3.0" addresses key pain points in customer service, improving resolution rates by 2% and customer satisfaction from 80% to 85% [5] Group 4 - The company has received recognition for its proactive intelligent risk control system, validated by awards from regulatory bodies for its data security and risk prevention efforts [6][7] - The integration of advanced technologies into financial operations contributes to a robust defense network against fraud, shifting risk management from reactive to proactive measures [6][7] Group 5 - The company’s strategic focus on technology-driven business and intelligent upgrades is seen as a pathway to enhance both service efficiency and risk management capabilities [9] - The future direction includes deepening technological integration to strengthen financial security and provide more inclusive, safe, and efficient financial services [9]

Core Insights - The financial performance of Haixi State in 2025 shows significant growth, with deposits exceeding 90 billion yuan and loan balances reaching 53.74 billion yuan, marking a year-on-year increase of 16.36% [1] - Haixi State is focusing on integrating financial resources with key strategic areas, particularly in the development of the "Four Land" industries, directing financial support towards sectors like salt lake chemicals, new energy, and new materials [1] - The state has introduced innovative financial products tailored to specific industries, such as "Goji Loan" and "Livestock Loan," which have collectively facilitated 2.2 billion yuan in loans [1][2] Financial Performance - By the end of 2025, loans for the "Four Land" industry construction exceeded 40 billion yuan, with a remarkable 131% year-on-year increase in medium to long-term loans for manufacturing [1] - Green finance is a priority, with green loan balances reaching 26.52 billion yuan, and over 95% of loans directed towards clean energy and ecological agriculture [1] Inclusive Finance - Over 3,000 enterprises have received a total of 14.237 billion yuan in loans and renewals, demonstrating the deepening of inclusive financial services [1] - The balance of loans for small and micro enterprises stands at 23.37 billion yuan, maintaining double-digit growth and expanding financial service coverage [1] Innovation in Financial Services - Haixi State has implemented its first pure patent pledge loan, providing a new pathway for technology-based enterprises to convert intellectual property into assets [2] - The "Qingxinrong" platform has issued loans totaling 3.61 billion yuan, enhancing service efficiency through digital transformation [2] - The state is focusing on five key areas: technology finance, green finance, inclusive finance, pension finance, and digital finance, to channel more financial resources into critical economic sectors [2]

□钏行轩 （图片由四川银行提供） 5年，能改变什么？ 在眉山市，拥有20多年发展历史的四川启明星铝业有限责任公司正在焕发新生——得益于四川银行发放的流动资 金贷款，企业完成生产设备智能化改造，生产智能化水平大幅提升。 在凉山州，西昌听涛谷游人如织，依靠四川银行的信贷支持，景区打造了主题酒店、曼妙旗袍馆、咖啡馆等配套 商业业态，为游客提供舒适的游玩与居住体验，成为备受青睐的康养度假胜地。 在达州市，万源某黑鸡养殖合作社里一片繁忙，工作人员将刚宰杀的冰鲜旧院黑鸡装车，陆续发往全国各地。四 川银行量身定制综合金融服务方案，让长在深山的黑鸡"飞"出大山，成为当地村民致富增收的"金鸡"。 回顾过去5年，度过5周岁的四川银行坚定践行"扎根四川、深耕四川、服务四川"的发展道路，在服务地方发展、 赋能实体经济、助力乡村振兴、推动文旅融合等领域交出亮眼答卷，让巴山蜀水间呈现出"十四五"别样精彩的万 千气象。 展望未来5年，四川银行将锚定"打造一流省级银行"的目标，继续在四川这片热土上书写责任与担当，谱写"十五 五"高质量发展新篇章。 扎根：锚定"一流省级银行"目标，筑牢省级银行发展根基 "扎根"是成长的起点，也是责任的锚点。 ...

0 18 所示 18 a f 在这方面，上海国投公司做了很多工作，包括联动社会资本，引进耐心资本、长期资本，招投联动，形 成上海独有的特色，助力科创企业来上海落户发展，走出一条健康发展的路子。 二是做好风险防控。建议进一步强化投后/贷后管理，建立完善的"四早"预警机制和风险监测系统；建 立适应科技企业发展特点的评价体系，更注重考量技术、数据资源等核心轻资产价值，并将团队、技 术、成果、模式等作为关键因素。 在绿色金融方面，郑杨建议，推动绿色金融产品创新，完善标准和监管体系：一是做好绿色金融领域整 体规划。布局加大绿色债券的发行规模，把上海建成长三角绿色债券发行中心；先行建立长三角统一的 ESG评价体系，加强对金融机构环境信息披露、碳核算碳审计的引导。二是加快绿色金融创新发展。持 续推动绿色信贷、绿色债券、绿色保险等产品创新；扎实加快转型金融机制的持续落地；将发展绿色金 融和海洋经济结合起来。 在普惠金融方面，郑杨建议，优化普惠金融服务，提升风险管理能力：一是深化普惠金融领域的深层次 改革。完善"政府+银行+保险"合作模式，构建合理的风险共担与利益分配机制；大力推进上海及长三 角地区普惠金融平台建设。二是提升普 ...

Core Viewpoint - The integration of Shanghai's international financial center construction and the science and technology innovation center is focused on technology finance, aiming to create a new model for Shanghai [1][4]. Financial Development Strategy - During the 14th Five-Year Plan, Shanghai's financial initiatives have shown significant progress, ranking among the best in the country. The 15th Five-Year Plan aims to further enhance financial services for the real economy [1][4]. - Key challenges include insufficient patient capital, lack of a sound standard system, information opacity, and risks associated with innovation. A comprehensive approach involving overall planning, collaborative advancement, resource integration, and risk control is recommended [1][4]. Technology Finance Initiatives - Strengthening capital support and innovative financial tools is essential for technology finance. Specific measures include accelerating financial reform and resource integration, establishing a full lifecycle service mechanism for tech enterprises, and enhancing capital market development [5]. - A white list mechanism is proposed to improve fund circulation efficiency, alongside the development of diversified capital products such as index funds [5]. Risk Management - Emphasis on post-investment and post-loan management is crucial, with the establishment of a comprehensive early warning mechanism and risk monitoring system tailored to the characteristics of technology enterprises [5]. Green Finance Recommendations - Promoting innovation in green financial products and improving standards and regulatory systems is vital. This includes increasing the issuance of green bonds and establishing a unified ESG evaluation system in the Yangtze River Delta [6]. - Continuous development of green credit, bonds, and insurance products is encouraged, along with integrating green finance with marine economy [6]. Inclusive Finance Enhancements - Optimizing inclusive finance services and improving risk management capabilities are recommended. This involves deepening reforms in the inclusive finance sector and enhancing the cooperation model among government, banks, and insurance [7]. - Establishing a diversified resolution mechanism for financial disputes and improving credit assessment systems are also suggested [7]. Pension Finance Development - A diversified pension finance system should be constructed, with a focus on planning and reforming the pension finance mechanism to allow for broader investment opportunities [7]. Digital Finance Strategy - Integrating data resources and strengthening digital risk control systems are essential. This includes breaking down data barriers and establishing a comprehensive data service platform [7]. - The development of digital infrastructure and expanding the application scenarios for digital currency are also highlighted [7]. International Financial Center Goals - The 15th Five-Year Plan suggests enhancing the competitiveness and influence of the international financial center and accelerating the establishment of a global RMB asset allocation center [8]. - Recommendations include improving the international asset trading framework based on RMB asset transactions and advancing the construction of both onshore and offshore financial centers [8].

围绕科技金融建设，他建议加强资本支持与创新金融工具。具体举措如下：一是加快金融改革创新和资 源整合。依托银行做好科创企业全生命周期服务，可建立由科创企业主账户银行牵头的全流程服务机 制。建立白名单机制，以投引贷、以贷助投，提升资金循环利用率；发展多层次、市场化的资本市场。 可充分发挥先导产业母基金以投促引、以投促产、以投促创作用。营造良好的投资氛围，吸引并引导长 期、耐心资本在沪加大投资，落沪更多面向全球市场的新技术、新机会、新业态和新模式。丰富退出渠 道，大力布局扩大并购基金、未来基金、S基金规模，支持企业并购发展。大力发展科创指数基金，打 造多元化资本产品。 二是做好风险防控。建议进一步强化投后/贷后管理，建立完善的"四早"预警机制和风险监测系统；建 立适应科技企业发展特点的评价体系，更注重考量技术、数据资源等核心轻资产价值，并将团队、技 术、成果、模式等作为关键因素。 "在这方面，上海国投公司做了好多工作，包括联动社会资本，引进耐心资本、长期资本，招投联动， 形成上海独有的特色，助力科创企业来上海落户发展，能在这里感觉如鱼得水，能获得效益，并走出一 条健康发展的路子。"郑杨说，上海国投公司成立以来，通过 ...

本公告由德林控股集團有限公司（「本公司」，連同其附屬公司統稱為「本集團」）自願 刊發，旨在向本公司股東及潛在投資者通報本集團的最新業務發展情況。 茲提述本公司日期為2025年12月14日、2025年12月30日及2025年12月31日之公告 （「月度更新公告」），內容有關（其中包括）本集團比特幣挖礦業務的最新進展。除另 有界定者外，本公告所用詞彙與月度更新公告所界定者具有相同涵義。本公司董事會 （「董事會」）欣然向其股東及市場更新有關其比特幣挖礦業務的最新進展。 1 香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負責， 對其準確性或完整性亦不發表任何聲明，並明確表示，概不就因本公告全部或任何 部分內容而產生或因倚賴該等內容而引致的任何損失承擔任何責任。 DL HOLDINGS GROUP LIMITED 德林控股集團有限公司 （ 於 開 曼 群 島 註 冊 成 立 的 有 限 公 司 ） （股份代號：1709） 自願公告 有關比特幣挖礦業務的最新發展 承董事會命 德林控股集團有限公司 主席、行政總裁兼執行董事 陳寧迪 香港，2026年2月2日 於本公告日期，執行董事為陳寧迪先生、郎世杰先生 ...

（来源：青岛金融） 近日，兴业银行青岛分行凭借其创新的"基于大数据与人工智能的科技金融E贷项目"，在第四届青岛数 字金融创新大赛中脱颖而出，荣获"金融科技优秀项目"二等奖。这已是兴业银行青岛分行连续第四年在 该项赛事中荣获奖项，展现了其在金融科技领域的深厚积淀与持续创新力。 本届青岛数字金融创新大赛由中国人民银行青岛市分行、中共青岛市委金融委员会办公室、青岛金家岭 金融聚集区管理委员会联合举办，以"数领金融浪潮 智汇财富青岛"为主题。此次获奖，不仅彰显了业 界对兴业银行青岛分行在科技金融领域创新成果的充分肯定，也体现了其在运用数字技术破解中小微科 技企业融资难题、服务实体经济发展方面的引领作用。 据悉，"科技金融E贷"项目深度融合大数据、机器学习等前沿技术，通过对接本地征信数据、整合行内 外多源信息，构建了服务于科技企业的基础数据池。项目负责人表示，"我们打破了传统银行依赖财务 报表和抵押物的风控模式，构建了涵盖5个维度、14个一级指标的多维评价体系，更精准地识别企业的 创新价值。基于总行数据服务能力，结合'技术流'评价体系，依托精选指标评价体系这一核心支撑，通 过智能模型的持续训练与优化，显著提升对企业科创 ...

资产端，中邮人寿构建了大资管一体化运作新体系，2023年成立的中邮保险资产管理公司，截至目前管 理资产规模近6300亿元。2025年5月13日，国家金融监督管理总局正式批复，同意中邮资管开展保险资 金长期投资改革试点、设立私募证券投资基金，同意中邮保险投资试点基金，同意试点基金作为金融机 构合格股东，首期投资规模100亿元。 在服务国家战略，做好金融"五篇大文章"方面，中邮保险披露了多项进展。科技金融方面，重点投资芯 片制造、新材料、工业母机等科创型企业超百亿元。2025年，两个基金投资项目——沐曦股份、摩尔线 程在科创板上市。绿色金融方面，领投华能新能源，绿色金融投资规模超900亿元。普惠金融方面，邮 政协办特色模式写入国家首个普惠保险专门政策文件。现已累计上线50余款产品。养老金融方面，目前 已建成3044个覆盖城乡、嵌入社区方便可及的健康驿站。数字金融方面，积极布局上海浦江AIDC等人 工智能算力中心，为数字经济提供有力支撑。推动实施了企业级数字化转型和125个信息化建设项目， 线上理赔率保全及承保服务线上化率均超过98%。 此次会议上，中国邮政集团有限公司党组成员、副总经理温少祺从党建引领筑强根基、规 ...