为进一步完善生活场景服务体系，光大手机银行13.0版本"活动"页提供美食、饮品、旅行、影音、购物 等丰富权益活动，并通过"光大购精彩"平台为客户提供价格实惠、品质保障、产地直发的农特产品。同 时，全面升级个人跨境金融服务功能，为出境客户、来华外籍人士、留学家庭等提供一体化金融解决方 案；上线个人资产证明开立服务，支持7*24小时在线申请，客户可根据使用场景灵活选择涵盖的资产类 别及金额范围，满足个性化证明需求；支持客户在线申请"出国+借记卡""出国金融信用卡"等特色卡 种。 未来，光大银行将继续强化科技支撑和数据驱动，为客户提供更智能、更安全、更专业的线上金融服务 体验，奋力书写数字金融新篇章。 本报讯 （记者向炎涛）当前，银行业加速推进线上化、移动化、数字化、智能化转型步伐。手机银行 已成为集财富管理、养老金融、私人银行、零售信贷、信用卡等多元金融服务为一体的"超级网 点"和"综合服务平台"。 多年来，中国光大银行（601818）股份有限公司（以下简称"光大银行"）深刻把握金融工作的政治性、 人民性，强化以客户为中心，于近期正式推出手机银行13.0版本，以技术创新为引擎，通过更丰富的服 务场景、更智能的服务 ...

Core Insights - The banking industry is accelerating its transformation towards online, mobile, digital, and intelligent services, with mobile banking becoming a comprehensive service platform for various financial services [1] Group 1: Mobile Banking Upgrade - China Everbright Bank has launched the 13.0 version of its mobile banking app, focusing on customer-centric services and technological innovation to enhance user experience [1][2] - The new version features five upgraded homepages: "Home," "Borrow Money," "Wealth," "Activities," and "My," designed to meet high-frequency service needs and provide a comprehensive financial service experience [2] Group 2: Wealth Management Enhancement - The 13.0 version strengthens wealth management functions, introducing the "Sunshine Wealth" brand to cater to diverse and high-quality wealth management needs [3] - New features include a "Life's Four Funds" section for effective wealth planning, a "Popularity Ranking" for product visibility, and an optimized fund purchasing process [3] Group 3: Borrowing Solutions - The new "Borrow Money" homepage addresses fragmented financial services by offering tailored funding solutions for various life scenarios, including sections for loans and credit card services [4] - The loan section includes categories for business, housing, consumption, and credit enhancement, while the credit card section provides comprehensive functionalities [4] Group 4: Pension Financial Services - The 13.0 version introduces a dual-section system for pension finance and personal pensions, offering integrated services that combine social security, corporate annuities, and personal pensions [5] - The "Enjoy Service" section integrates resources from various subsidiaries to provide specialized financial and health services for elderly clients [5] Group 5: Comprehensive Lifestyle Services - The app enhances lifestyle services by offering various promotional activities and a platform for purchasing agricultural products directly from producers [6] - It also upgrades cross-border financial services, providing tailored solutions for expatriates and students, including online asset proof services and specialized cards [6]

Core Viewpoint - The article highlights the achievements and strategic initiatives of Jiujiang Bank over the past 25 years, emphasizing its commitment to serving the local economy and community through innovative financial services and strong governance [3][4][5]. Group 1: Achievements and Growth - Jiujiang Bank has grown its total assets to over 500 billion yuan, positioning itself among medium-sized commercial banks and consistently ranking in the "Global Top 500 Banks" and "Top 100 Enterprises in Jiangxi" [3]. - The bank has maintained a loan balance of 279.21 billion yuan within Jiangxi province, accounting for 87.21% of its total loans, demonstrating a strong focus on local financial support [4]. - Over the past 11 years, the bank has paid over 1 billion yuan in taxes annually, contributing significantly to the regional economy [4]. Group 2: Service to Local Economy - Jiujiang Bank has actively supported local development by aligning its services with provincial strategies, focusing on key industries and projects, and enhancing rural revitalization efforts [4][6]. - The bank has implemented innovative financing solutions, such as the "inventory pledge + supply chain finance" model, to address the financing challenges faced by local enterprises [7]. - The bank has established a comprehensive service platform for industry finance, facilitating transactions worth 252.6 billion yuan to support small and medium-sized enterprises [7][8]. Group 3: Financial Inclusion and Support for Small Enterprises - Jiujiang Bank has prioritized financial services for small and micro enterprises, providing over 14 billion yuan in credit to more than 8,000 small businesses [9]. - The bank has introduced various financial products to meet the diverse needs of customers, including tailored solutions for different industry sectors [8][9]. - The bank has also reduced fees for various market participants, saving them 874 million yuan in financing costs since 2024 [9]. Group 4: Commitment to Innovation and Sustainability - The bank has launched a range of financial products focused on technology and green finance, with technology loans reaching 44.706 billion yuan, a growth of 11.75% year-to-date [12]. - Jiujiang Bank has established a green finance department and introduced several green financial products, achieving a green loan balance of 44.697 billion yuan, up 16.13% from the beginning of the year [12]. - The bank has successfully issued 4 billion yuan in green financial bonds and has been recognized for its contributions to green finance [13]. Group 5: Community Engagement and Social Responsibility - Jiujiang Bank has launched initiatives to support new employment groups, providing various community services and financial education [14]. - The bank has developed an elderly-friendly banking service and has been recognized for its efforts in consumer rights protection [15]. - The bank actively participates in charitable activities, establishing a foundation and receiving multiple awards for its social responsibility efforts [15]. Group 6: Future Directions - Looking ahead, Jiujiang Bank aims to continue its strategic focus on quality development, leveraging technology and talent to enhance its service offerings and contribute to the modernization of Jiangxi [16].

数字赋能 人才驱动 为深入贯彻落实《关于加强监管防范风险促进期货市场高质量发展的意见》精神，践行期货市场服务国 民经济高质量发展的使命，期货经营机构立足行业本源，主动担当，以数字化转型与专业化人才培养双 轮驱动，探索出了一条金融赋能实体企业、护航产业高质量发展的特色路径。 科技引领，塑造数字化服务矩阵 育人为本，夯实行业人才根基 如果说期货市场的法律法规和基础设施是"骨架"和"血管"，那么专业人才就是赋予期货市场生命的"灵 魂"和"血液"。他们不仅是市场的参与者和服务者，更是风险的驾驭者、价格的发现者和未来蓝图的创 造者。通过多层次、实战化的培训体系，锻造精准服务于实体经济的复合型人才，对行业健康、高质量 发展至关重要。 首创"期现业务管理员实战训练营" 2023年中央金融工作会议首次提出要做好金融"五篇大文章"，为新时代金融业高质量发展指明了方向。 在此背景下，笔者所在公司深刻洞悉数字金融发展趋势，将科技深度融入产业服务，创新出一系列智能 化的数字应用工具，切实降低企业尤其是中小微企业运用期货衍生工具的门槛。 打造套期保值风险管理信息系统，助力企业做好流程管控 该系统致力于为企业提供合规、高效的全流程风险管 ...

Core Viewpoint - The article emphasizes the need for the banking industry in China to adapt to profound changes in the economic and social environment, focusing on risk prevention, regulatory strength, and high-quality development in line with the "14th Five-Year Plan" [1][5]. Group 1: Financial Industry Development - The total assets of China's banking financial institutions reached 474.3 trillion yuan by the end of Q3 [1]. - The banking sector is tasked with supporting China's modernization while pursuing its own high-quality development and structural transformation [1]. - The "14th Five-Year Plan" suggests a strong focus on developing technology finance, green finance, inclusive finance, elderly finance, and digital finance [1]. Group 2: Financial Services and Innovation - Financial institutions are encouraged to enhance their service capabilities to support the construction of a modern industrial system and new productive forces [2]. - The Industrial and Commercial Bank of China plans to refine its strategic planning and strengthen its risk management system [2]. - China Bank reported a technology loan balance of 4.7 trillion yuan, with over 83 billion yuan provided in comprehensive services [2]. Group 3: Competition and Regulatory Environment - The banking sector faces intensified competition from internet technology companies and internal industry rivalry [3]. - The "14th Five-Year Plan" calls for optimizing the financial institution system and promoting differentiated development to avoid homogenized competition [3]. - Regulatory authorities will guide banks to adopt differentiated development paths based on their resources and market positioning [3]. Group 4: Strategic Adjustments for Small and Medium Banks - Small and medium-sized banks are advised to adjust their strategic direction to embrace new economies and serve new driving forces [4]. - These banks should focus on strategic emerging industries and enhance their risk management capabilities [4]. Group 5: Strengthening Financial Regulation - The "14th Five-Year Plan" emphasizes comprehensive financial regulation and the establishment of a risk prevention and resolution system [5]. - Regulatory efforts will focus on proactive warning, comprehensive coverage, and precise measures to maintain financial stability [5]. - The rise of artificial intelligence is expected to enhance early identification and management of financial risks [5]. Group 6: Legal and Regulatory Framework - Financial legal construction is deemed essential for the development of the banking industry [6]. - Regulatory frameworks need to adapt to the rapid development of financial technology and the complexities of financial products [6].

Core Viewpoint - The article emphasizes the importance of county-level development in China's modernization, highlighting its role as a foundation for the national economy and a potential area for future domestic demand growth [2]. Group 1: County-Level Economic Significance - Counties connect urban and rural areas, covering over 90% of China's land and housing more than 600 million people, contributing nearly 40% to the national GDP [2]. - Understanding county dynamics is essential for grasping the resilience and potential of the Chinese economy [2]. Group 2: Financial Support for Agriculture - Agricultural Bank of China is focusing on long-term investment needs in agricultural technology and industrial upgrades, introducing specialized financial products like "Technology e-loan" and "Agricultural Machinery Loan" [9]. - The bank's support has enabled companies like Zhongyu Food to enhance their production capabilities, transforming wheat into high-value functional ingredients [6][9]. Group 3: Innovations in Agricultural Production - Innovations in agricultural machinery, such as hybrid power tractors and unmanned tractors with navigation systems, are being developed to improve efficiency and sustainability [7]. - Financial support is crucial for these technological advancements, enabling the transformation of agricultural productivity [7][9]. Group 4: Seed Industry Development - The seed industry is likened to the "chip" of agriculture, with significant financial backing needed for seed breeding and production [11]. - Agricultural Bank has provided substantial loans to seed companies, facilitating their growth and operational efficiency [12][13]. Group 5: Supply Chain Financing - Agricultural Bank's "Agricultural Bank Smart Chain" platform integrates financial services with supply chain management, providing financing solutions based on real-time data [16][18]. - This model has successfully supported companies like Wuzheng Group, enabling them to manage cash flow and enhance production capabilities [18]. Group 6: Digital Transformation in Agriculture - The formation of new agricultural productivity relies on digital support across the entire supply chain [21]. - Agricultural Bank is actively embedding financial services into local government initiatives, enhancing the alignment between financial resources and regional development goals [21][22]. Group 7: Community and Credit Building - The concept of "credit" is evolving into a digital asset for farmers, promoting responsible borrowing and community accountability [23]. - Initiatives like "whole village credit" have been implemented, resulting in significant loan disbursements and improved community dynamics [23]. Group 8: Post-Harvest Financial Solutions - Financial services are being tailored to address post-harvest challenges, such as grain drying and storage, ensuring efficient operations during critical periods [25][26]. - The integration of data-driven financial solutions is enhancing the efficiency of agricultural production and supply chain management [26].

Core Viewpoint - The article highlights the transformation of the agricultural sector in China, particularly focusing on the wheat industry in Shandong, where innovative practices and financial support are enhancing productivity and value creation in the agricultural supply chain [2][3][7]. Group 1: Agricultural Innovation - The wheat industry in Shandong is evolving from basic grain production to high-value functional raw materials, with companies like Zhongyu Food Co. leading the way in deep processing and extraction of functional components from wheat [2][7]. - The integration of technology in agriculture is evident through the development of advanced machinery, such as hybrid tractors and autonomous seeders, which improve efficiency and reduce energy consumption [3][8]. - Financial institutions, particularly Agricultural Bank, are playing a crucial role in supporting agricultural innovation by providing tailored financial products like "Tech e-loans" and "Agricultural Machinery Loans" to facilitate research and development [3][11]. Group 2: Financial Support and Impact - Agricultural Bank has provided significant financial support to companies in the agricultural sector, with Zhongyu Food receiving over 900 million yuan in loans to enhance its processing capabilities [7]. - In Heilongjiang, the bank's "Longjiang Seed Industry Special Loan" helped Xin Feng Seed Industry Co. with 5 million yuan to alleviate cash flow issues during the harvest season, demonstrating the bank's proactive approach to supporting local agricultural enterprises [5][6]. - The bank's innovative financing models, such as "Order e-loans" and "Supply Chain Financing," have enabled companies like Wuzheng Group to streamline their operations and improve cash flow management [9][10]. Group 3: Digital Transformation - The article emphasizes the importance of digitalization in agriculture, with Agricultural Bank leveraging data to enhance financial services and support local government initiatives [11][12]. - The integration of digital platforms allows for better credit assessment and resource allocation, as seen in the "Village Credit" model, which has facilitated over 500 billion yuan in loans across thousands of villages [12][13]. - Digital financial services are reshaping the agricultural landscape by providing farmers with access to credit based on their operational data, thus promoting a more efficient and responsive agricultural economy [15][16].

Core Insights - The digital economy has become a crucial engine for China's economic growth, with its share of GDP exceeding 40% since 2022, and is experiencing rapid growth [1] - Digital finance is recognized as one of the key components for high-quality development of the digital economy, as emphasized by the central financial work conference [1] Group 1: Digital Financial Initiatives - China Merchants Bank Chengdu Branch is leveraging the "Smart Bank" strategy to enhance customer service and accelerate digital transformation in response to national and head office strategies [1] - The branch has implemented an immersive experience in its digital finance exhibition hall, allowing customers and employees to engage with AI tools for practical applications [2] - The bank has introduced digital solutions targeting pain points in key industries such as manufacturing, retail, and high-tech, providing comprehensive digital services for human resources and finance [3] Group 2: Regional Economic Support - The Chengdu Branch is actively supporting local enterprises' digital transformation in line with the Chengdu-Chongqing economic circle strategy, enhancing convenience for citizens through services like roadside parking payments via the bank's app [4] Group 3: Talent and Mechanism Innovation - The bank emphasizes the recruitment of tech talent, with over 65% of its tech team possessing relevant R&D skills, and promotes deep integration of tech personnel with business lines [5] - The "Ferry Plan" has been established to collaborate with the head office on IT projects, accelerating the digital transformation process [5] Group 4: Cloud Infrastructure Development - The bank has completed a comprehensive cloud migration project over three years, breaking traditional architecture barriers and supporting rapid business validation and iteration through a microservices approach [6] Group 5: Social Value and Financial Inclusion - Since the 14th Five-Year Plan, the bank has utilized "technology + finance" to empower digital transformation for enterprises and support rural revitalization, addressing financing bottlenecks for small and micro enterprises [7] - The bank's future digital initiatives will continue to focus on serving the real economy and social welfare, with products designed to enhance efficiency and convenience for citizens and businesses alike [8]

作为本年度研究成果的重头戏，由公司董事长兼总经理宋成撰写的《立足功能定位、突出专业特色，做 深做实金融"五篇大文章"》一文，发表于2025年第4期《中国证券》，从战略高度系统阐述了中小券商 如何把握政策与科技双轮驱动机遇，破解发展难题，实现差异化突围。该文不仅为中小券商转型发展提 供了清晰的行动框架，也展现了麦高证券对行业趋势的深刻把握与前瞻布局，是公司"功能定位"与"专 业特色"发展理念的集中诠释。 2025年，麦高证券在权威财经媒体先后发表四篇深度研究文章，内容覆盖金融"五篇大文章"战略实践、 科技型企业并购重组、经济转型期消费提振以及跨境并购路径探索等多个前沿领域，展现出公司在战略 研究、政策解读与行业洞察方面的深厚积累与专业影响力。这一系列成果不仅是麦高证券理论研究文化 建设的集中体现，更是公司积极践行中国特色金融文化、服务实体经济与国家战略的生动写照。 一、立足功能定位，系统阐释金融"五篇大文章"战略路径 由刘娟秀、黄章越合作的《经济转型期大力提振消费的思考与实践》(发表于2025年4月14日《金融时 报》)，系统梳理了当前消费市场的结构性特征与挑战，体现了麦高证券对普惠金融、民生保障等重大 议题的 ...

Core Viewpoint - The "14th Five-Year Plan" marks a significant shift in China's economic development model, focusing on high-quality growth rather than rapid expansion, with a strong emphasis on digital economy and digital finance as key drivers of this transformation [1] Strategic Planning and Policy Framework - The strategic elevation of digital finance during the "14th Five-Year Plan" period is evident, with financial institutions integrating digital transformation into core strategies rather than treating it as a mere technological tool [2] - The People's Bank of China has outlined six development goals for financial technology from 2022 to 2025, including deepening the integration of finance and technology, enhancing consumer protection, and improving regulatory frameworks [2] Regulatory Framework and Institutional Innovation - A comprehensive legal framework for data security and personal information protection has been established, including laws such as the Cybersecurity Law and the Data Security Law, to safeguard consumer rights and prevent data misuse [3] - Regulatory technology (RegTech) is being utilized to enhance the precision and effectiveness of financial supervision, while mechanisms like regulatory sandboxes are being employed to test financial innovations in controlled environments [3] Technological Empowerment and Innovative Applications - Artificial intelligence (AI) is identified as a core driver of financial digital transformation, enabling precise risk identification and personalized financial services [4] - Cloud computing provides scalable infrastructure for financial institutions, significantly reducing IT costs and improving resource utilization [5] - Big data technologies are transforming data assets into business value, allowing for real-time monitoring and fraud detection [6] - Blockchain technology is redefining trust mechanisms in financial transactions, particularly in trade finance and digital currency applications [6] - Quantum technology is being explored for its potential to enhance financial infrastructure security and optimize investment strategies [6] Inclusive Finance and Development - Digital inclusive finance is addressing the needs of small and micro enterprises and rural sectors by leveraging technologies to overcome traditional barriers to credit access [7] - The application of digital technologies is lowering the cost and accessibility of financial services, particularly for underserved populations [8] Ecological Integration and Open Collaboration - The concept of open banking is being widely implemented, enhancing cross-institutional cooperation and expanding the scope of financial services [9][10] - The establishment of a middle-office architecture is crucial for supporting ecological integration and improving operational efficiency [10] International Competition and Global Cooperation - A comparative analysis of digital finance development paths between China and the U.S. highlights China's strengths in application scenarios and market scale, which are fostering rapid fintech innovation [11] - China is actively enhancing its cross-border payment infrastructure and promoting the use of the renminbi in international trade to bolster financial security and resilience [12] Summary and Outlook - Digital finance in China is evolving into a core engine for high-quality financial development, driven by technological innovation and a focus on inclusivity [13] - Future developments in digital finance will focus on deepening digital transformation and expanding high-level openness, with an emphasis on leveraging emerging technologies for enhanced financial services [14][15]