余伟文指，采用数字金融或金融科技是大趋势，要拥抱这个趋势，同时亦要求银行在相关风险管理及营 运韧性进行更多工作，令有关服务可保持稳定及稳健，强调这亦是香港金管局未来数年会加强的工作。 智通财经APP获悉，香港金管局副总裁阮国恒表示，"智安存"去年12月全面推出，今年会与非牟利机构 合作向长者推广。他指出"智安存"不是只给长者，而是给所有市民。 对于汇丰银行上周五手机应用程式HSBC HK短暂未能提供服务，香港金管局总裁余伟文表示，汇丰有 向香港金管局作出报告，服务亦在数小时内恢复。余伟文说，香港金管局要求银行提供详细报告，找出 根本原因，而初步据银行理解是内部系统问题，与网络攻击等没有关系。期望汇丰尽快作出详细调查， 尽量确保系统保持稳健及减少再度发生事件机会。 ...

编者荐语： 转载自申万宏源发布。 以下文章来源于申万宏源发布 ，作者申万宏源证券 申万宏源发布 . 申万宏源证券官方发布 6 中资离岸债承销数量排名中资券商 第5 + 服务科技金融 + 聚焦创新驱动,点燃科技引擎 i 服务科技领域境内股权融资17单、募集资金 规模70.88亿元，同比大幅增长 9 发行科技创新债券142只、规模522.99亿元, 同比分别增长167.92%和161.58% ✪ 「申万宏源大投行业务全景回顾」 2025年,是全面完成"十四五"规划目标的"收 官之年",申万宏源大投行业务深化科技化、产 业化、国际化、一体化的转型发展方向，坚守功 能性定位,构筑服务国家战略新生态。 数说2025: 以金融之力 赋能局质量发展大局 新三板累计挂牌家数、定向发行次数保持行业 e 第1 2 A股IPO发行上市5单,排名 1;其中创业 板3单,排名第3 并购重组财务顾问交易规模1,392亿元,排名 B 算3 债券主承销债券923只、金额3.545亿元,稳居 S 行业第一梯队,其中熊猫债(国际机构债)承销 只数排名第3,金融债承销只数排名并与 港股IPO保荐数量、承销数量均排名中资券商 5 IPO 助力科技领 ...

1 、 国家税务总局发布公告，进一步调整优化自然人增值税起征点标准判定细则。 自今年起，按次纳税起征点标准由每次（日）销售额 500 元提升到 1000 元，自然人发生出租不动产、通过"反向开票"销售报废产品等 6 种特定情形的，不再适用按次纳税 1000 元的起征 点标准，而是参照按期纳税直接适用月销售额 10 万元的起征点标准。 2 、 本周全球市场大事不断！国内方面，沪市首份 2025 年年报将披露；光伏、脑机接口等多个产业会议召开；中国 1 月外汇及黄金储 备数据将于 2 月 7 日公布。 国际方面，欧美多国 1 月 PMI 数据、美国非农就业报告将陆续出炉；欧洲央行、英国央行将公布利率决 议；日本众议院选举定于 2 月 8 日举行；谷歌、亚马逊等科技巨头将发布最新财报。此外，芝商所将调升黄金和白银期货交易保证金， 上期所同步跟进；" AI 大战"进入白热化，巨头动向备受关注。 3 、 美国总统特朗普表示，美国与委内瑞拉两国领导层的关系非常好，双方将"分享"石油收益。 在谈及古巴时，特朗普称古方可能会 来寻求同美国谈判，双方会就此达成协议。特朗普指出，关于格陵兰岛的谈判已经启动，谈判基本达成一致，并最 ...

Core Insights - The company has developed a comprehensive omnichannel payment system that supports various payment methods including bank cards and QR codes, providing customized solutions for industries such as retail, catering, and e-commerce [3] - The integration of artificial intelligence and blockchain technology has led to the establishment of an intelligent risk control system, with real-time transaction monitoring capable of identifying risks in milliseconds and achieving industry-leading fraud interception accuracy [3] - All transaction data is stored using blockchain technology, ensuring immutability and traceability throughout the process, while customer funds are independently managed by banks [3] Future Outlook - The company aims to continue innovating to provide safer and more efficient services, contributing to the development of the real economy and building a new digital financial ecosystem [4]

Core Viewpoint - Huajin Securities has demonstrated significant achievements in various areas, including an 18-place improvement in company bond underwriting rankings and a 62% year-on-year increase in institutional client trading volume, while focusing on high-quality development and enhancing its service capabilities for the real economy [1][2]. Group 1: Company Achievements - In 2025, Huajin Securities successfully issued convertible bonds for Huafa Co., marking a breakthrough in its service offerings [1]. - The company has established a professional research and service team focused on industries such as biomedicine, semiconductors, and artificial intelligence, enhancing its ability to serve technology innovation enterprises [2][3]. - Huajin Securities has launched innovative services like "Youxiang Account" to achieve unified management and scientific allocation of assets [3]. Group 2: Strategic Focus - The company emphasizes a functional approach, prioritizing compliance and the service value of the brokerage industry while driving profit growth [2]. - Huajin Securities aims to deepen its focus on regional and industrial development, particularly in the Greater Bay Area and Yangtze River Delta, to enhance its market positioning and brand influence [5][6]. - The company is committed to integrating green finance, inclusive finance, and digital finance into its service offerings, developing tailored financial products for green industries and small and medium-sized enterprises [3][6]. Group 3: Internal Management and Compliance - Huajin Securities is enhancing its internal management through refined operational systems and cost control measures, aiming to improve overall business efficiency [6][7]. - The company is transitioning compliance management from a cost center to a value-creating foundation, focusing on proactive and intelligent risk management strategies [7][9]. - A dynamic threshold management mechanism has been established to monitor and evaluate risks effectively, ensuring the stability of risk management indicators [9]. Group 4: Cultural and Governance Framework - The company integrates cultural construction into its strategic framework, promoting compliance, integrity, professionalism, and stability as core values [10][11]. - Huajin Securities emphasizes the importance of party leadership in its governance structure, ensuring that financial work aligns with national strategies [10][11]. - The company is committed to fostering a high-quality workforce through systematic training and development programs, enhancing employee engagement and organizational cohesion [12].

Core Viewpoint - Huajin Securities has demonstrated significant achievements in 2025, including an 18-place increase in company bond underwriting rankings, successful issuance of convertible bonds, and a 62% year-on-year growth in institutional client trading volume, reflecting its commitment to high-quality development and service to the real economy [1][2]. Group 1: Company Achievements - In 2025, Huajin Securities successfully issued Huafa Co., Ltd. convertible bonds and achieved IPO breakthroughs through its alternative subsidiary Huajin Avenue [1]. - The company has launched innovative services such as "Youxiang Account," creating a diversified account system for unified asset management and scientific allocation [3]. Group 2: Service Enhancement - The company focuses on enhancing professional service capabilities, particularly in sectors like biomedicine, semiconductors, and artificial intelligence, by forming specialized research and service teams [2][6]. - Huajin Securities aims to deepen wealth management transformation by optimizing advisory services and upgrading digital tools to provide diversified wealth management solutions for residents [2]. Group 3: Regional Focus and Differentiation - The company leverages its resources and regional advantages, particularly in the Guangdong-Hong Kong-Macao Greater Bay Area and the Yangtze River Delta, to drive differentiated development [5][6]. - Huajin Securities emphasizes a "regional deep cultivation - industry focus - professional empowerment" model to enhance its core competitiveness [6]. Group 4: Compliance and Risk Management - Strengthening compliance management and risk prevention is viewed as essential for sustainable development, with a focus on proactive compliance and intelligent risk management [8][9]. - The company has established a dynamic threshold management mechanism to ensure effective monitoring of risk indicators and enhance risk management capabilities [9]. Group 5: Cultural and Organizational Development - Huajin Securities integrates cultural construction into its strategic framework, promoting compliance, integrity, professionalism, and stability as core cultural values [10][11]. - The company emphasizes the importance of party leadership in its governance structure, ensuring alignment with national financial strategies [11][12].

Core Viewpoint - Huajin Securities has demonstrated significant achievements in various areas, including an 18-place increase in company bond underwriting rankings, successful issuance of convertible bonds, and a 62% year-on-year growth in institutional client trading volume, reflecting its commitment to high-quality development and service to the real economy [1][2] Group 1: Company Achievements - In 2025, Huajin Securities achieved a notable increase in company bond underwriting rankings, moving up 18 places [1] - The company successfully issued its first Sci-tech bonds and rural revitalization bonds, showcasing its innovative capabilities [1] - Institutional client trading volume increased by 62% year-on-year, indicating strong market engagement [1] Group 2: Strategic Focus - The company emphasizes high-quality development, focusing on functional positioning and regional and industrial development [1][2] - Huajin Securities aims to enhance its professional service capabilities, particularly in sectors like biomedicine, semiconductors, and artificial intelligence [2][5] - The company has established specialized industry research and service teams to support technology innovation enterprises [2][5] Group 3: Financial Services and Wealth Management - Huajin Securities is committed to providing diversified wealth management solutions, focusing on asset allocation and value investment principles [2][3] - The launch of innovative services like "Youxiang Account" aims to facilitate unified management and scientific allocation of assets [3] - The company is actively developing financial products tailored to green industries and small and medium-sized enterprises [3][4] Group 4: Internal Management and Risk Control - Huajin Securities is enhancing its internal management through refined operational systems and cost control measures [5][6] - The company is implementing a dynamic threshold management mechanism to ensure effective risk management and compliance [6][7] - A focus on compliance and risk prevention is seen as essential for the company's long-term stability and growth [6][7] Group 5: Cultural and Governance Framework - The company integrates cultural construction into its strategic framework, emphasizing compliance, integrity, professionalism, and stability [8][9] - Huajin Securities promotes a governance structure that includes comprehensive leadership from the party committee, strategic decision-making by the board, and operational responsibility by management [9][10] - The company is committed to fostering a culture of risk management and compliance as a foundation for sustainable development [9][10]

Core Insights - In 2025, Huizhou's financial indicators are showing a stable recovery, with increased financial support for major strategies, key areas, and weak links in the economy [2] - The overall loan growth trend is positive, with significant increases in loans to key sectors and weak links [2] - The financing structure is continuously optimizing, with a notable increase in loans for the "Five Major Financial Articles" [2] Loan Growth - By the end of December, the total balance of various loans in Huizhou reached 11,476.1 billion yuan, a year-on-year increase of 4.6% [2] - Loans to enterprises and institutions increased significantly, with a balance of 5,889.5 billion yuan, reflecting an 11.2% year-on-year growth [2] - Household loans totaled 5,478.4 billion yuan, showing a slight decline of 2.3% year-on-year [2] Sector-Specific Support - Loans for technology and digital economy sectors accounted for 23.1% and 10.2% of total loans, ranking third in the province [3] - Manufacturing loans reached 2,334.6 billion yuan, with an 11.3% year-on-year increase, leading the province in loan balance [3] - Infrastructure loans amounted to 1,069.3 billion yuan, growing by 10.5% year-on-year, while agricultural loans reached 1,816.4 billion yuan, up by 7.0% [3] Deposit Growth - Total deposits in Huizhou reached 10,170.2 billion yuan by the end of December, marking a 0.8% year-on-year increase [3] - Household deposits grew by 11.3% year-on-year, while non-financial enterprise deposits decreased by 2.7% [3] - The increase in demand deposits indicates improved economic activity, with household and corporate demand deposits growing by 9.4% year-on-year [3] Financing Costs - The financing cost for the real economy continues to decline, with loan interest rates at historically low levels [4] - By December 2025, the interest rate for newly issued loans decreased by 56 basis points compared to the previous year, with corporate loan rates down by 33 basis points [4]

精彩数据：101.3亿元 打造科技金融生态圈 2025年是"十四五"规划收官之年，也是嘉兴打造长三角城市群重要中心城市的加速之年。宁波银行嘉兴分行深入学习贯彻党的二十届四中全会精神，严格践 行"八八战略"，锚定国家金融"五篇大文章"战略部署，将金融活水导向区域经济发展关键领域和重要环节，与城市发展同频共振。 2025年，宁波银行嘉兴分行存贷规模超1200亿元，企业客户超1.4万户，其中规上企业客户超6500家，个人客户规模超57万户，努力成为嘉兴城市高质量发 展进程中笃实的同行者与赋能者。 宁波银行嘉兴分行深度融入嘉兴科创金融改革试验区建设，通过搭建科创金融专班，持续完善"资金链、技术链、产业链、供应链"四大维度科创服务体系， 推动"科技+金融"协同发展驶入"快车道"。 创新特色产品，做创新的陪伴者。根据不同发展阶段科技型企业需求，针对性提供覆盖企业全生命周期的"人才贷""伙伴贷""订单贷"等特色产品，以技术专 利、研发能力、人才储备、市场潜力等企业"软实力"作为核心评估维度，将金融活水精准滴灌至科技创新最需要的环节。2025年，宁波银行嘉兴分行科创企 业贷款余额101.3亿元，其中信用贷款占比超39%，有效 ...

数字金融是中央金融工作会议提出的金融"五篇大文章"之一，对于提升金融业竞争力和服务实体经济效率具有深刻意义。 为推动金融机构加快数字化转型，政策方面持续跟进。早在2022年，原银保监会印发《关于银行业保险业数字化转型的指导意见》（以下简称《指导意 见》），明确了银行保险机构数字化转型的指导思想和基本原则，核心在于为金融机构提供监管指引。此外，2025年3月，国务院办公厅印发《关于做好金 融"五篇大文章"的指导意见》提出，加快数字金融创新，支持巩固拓展数字经济优势。 此次《方案》立足金融机构数字化转型的实际，旨在推动金融机构高质量发展。金融监管总局有关司局负责人就《方案》答记者问时表示，《方案》与《指 导意见》在原则导向上一脉相承。《指导意见》侧重战略规划与能力建设，引导金融机构启动数字化转型，《方案》则聚焦具体举措与质量提升，指引金融 机构通过深化数字化转型推进数字金融高质量发展，两份政策文件构成递进关系，共同构建了数字金融发展的监管政策框架。 （来源：经济日报） 转自：经济日报 为推动金融机构数字化转型，国家金融监督管理总局日前发布《银行业保险业数字金融高质量发展实施方案》（以下简称《方案》），围绕金融机构 ...