Core Viewpoint - The company has signed a non-binding memorandum of understanding with Zhongwan International Financial Limited and Yunzhi Digital Technology Limited to establish a long-term strategic partnership aimed at expanding the digital asset business in the cultural and tourism sector [1][2] Group 1: Partnership Details - The collaboration involves Zhongwan International, a holding company for several licensed financial institutions in Hong Kong, which possesses expertise in cross-border financing and capital operations [1] - Yunzhi Technology specializes in blockchain and cryptocurrency applications, with a developed platform for digital asset tokenization [1] Group 2: Project Objectives - The project aims to promote the digital transformation of cultural and tourism assets, focusing on the launch of collectible cards and research on stablecoin applications [2] - The initiative is expected to enhance asset liquidity and capital operation efficiency, aligning with the digitalization trend in the cultural and tourism industry [2]

准合作项目预期重点推进文旅资产数字化、潮玩文旅数实卡牌发售及稳定币应用场景研究等方向。公司 将提供底层文旅资产与Fcard飞卡平台基础，中湾国际将依托其跨境融资专业优势，统筹整体资本规划 与合规架构设计，为业务推进提供全方位支持，云鋕则负责区块链技术整合与产品开发支持。 准合作项目旨在通过资源整合与技术创新，构建完整的文旅数字资产生态。本次合作旨在分阶段推动公 司文旅资产的数字化转型，重点推动潮玩文旅数实卡牌的产品落地，实现文旅资产数字化平台的稳定运 营，提升资产流动性及资本运作效率。长远而言，公司将把握香港RWA政策发展机遇，探索文旅资产 与数字金融的深度融合，为业务增长注入新动力。 准合作项目符合文旅产业数字化的发展趋势，有望提升公司资产流动性、拓宽融资渠道，并增强品牌在 旅游与资本市场的协同影响力。 智通财经APP讯，飞扬集团(01901)发布公告，于2025年11月13日，公司与中湾国际金融有限公司及云鋕 数字科技有限公司共同签署一份不具法律约束力的谅解备忘录，旨在建立长期战略合作关系，共同拓展 文旅数字资产业务发展。 中湾国际为香港数家持牌金融机构的控股公司，持有香港证券及期货事务监察委员会颁发的第 ...

Core Viewpoint - The company has signed a non-binding memorandum of understanding with Zhongwan International Financial Limited and Yunzhi Digital Technology Limited to establish a long-term strategic partnership aimed at expanding the digital asset business in the cultural and tourism sector [1] Group 1: Background of Partners - Zhongwan International is a holding company for several licensed financial institutions in Hong Kong, possessing regulatory licenses for various activities, including cross-border financing and financial advisory [2] - Yunzhi Technology specializes in blockchain and cryptocurrency applications, with a self-developed digital property platform and extensive technical solutions in smart contract development [2] Group 2: Cooperation Content - The cooperation will focus on the digitalization of cultural tourism assets, the sale of collectible cards, and research on stablecoin application scenarios [3] - The company will provide foundational cultural tourism assets and the Fcard platform, while Zhongwan International will leverage its cross-border financing expertise for comprehensive support [3] Group 3: Cooperation Goals - The project aims to integrate resources and innovate technology to build a complete digital asset ecosystem for cultural tourism [4] - The collaboration will promote the digital transformation of cultural tourism assets, enhance asset liquidity, and improve capital operation efficiency [4] - The company plans to seize opportunities from Hong Kong's RWA policy development to explore deep integration of cultural tourism assets and digital finance for business growth [4]

南方财经 21世纪经济报道记者 张伟泽 香港报道 2025年11月11日，香港特区政府正式宣布，其第三批数字绿色债券成功完成定价，总额高达100亿港元。这一数字不仅刷新了香港自身的发债 记录，更使其成为迄今为止全球规模最大的一笔数字债券发行。 这批债券涵盖港元、人民币、美元及欧元四个币种，发行年期从2年延长至最多5年。四个币种的债券共获得了超过1300亿港元的总认购金额， 超额认购约12倍。 香港特区政府财政司司长陈茂波表示，特区政府这次发行的第三批数码绿色债券认购热烈，反映市场对相关代币化产品的支持；同时，也应用 了多项创新技术，进一步推动以金融科技赋能债券以及绿色和可持续金融市场发展。 他明确指出，特区政府将通过恒常化发行代币化债券，助力市场建立更全面的基准，扩大数字金融的更广泛应用。 新加坡数字资产托管和钱包技术提供商Cobo RWA代币化业务负责人黄亮对21世纪经济报道记者表示，本次香港发行全球最大规模的代币化绿 债，说明代币化在效率与透明度上的优势已经被市场认可。链上发行与结算大幅提升了效率、降低了成本，并实现了绿色项目数据的实时可追 溯，这些都是传统债券无法比拟的。 8亿到100亿的跨越 香港财经 ...

Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) Hechi Branch is focusing on enhancing financial services and risk management to support the high-quality economic development of Hechi City, aligning with regional economic development plans [1] Group 1: Financial Support and Development Focus - The bank is concentrating on five key areas, increasing resource allocation and policy support, particularly in technology finance, green finance, and inclusive finance [2] - As of October 31, loans to technology enterprises increased by 258 million yuan since the beginning of the year [2] - The bank provided 100 million yuan in green working capital loans to a biomass technology company, supporting its circular economy model [2] - Inclusive finance initiatives have led to an increase of 495 million yuan in inclusive loans since the beginning of the year [2] Group 2: Credit Structure Optimization - The bank is optimizing its credit structure while ensuring stable growth in total credit, focusing on expanding its customer base to include high-potential small and micro enterprises and personal consumption loans [3] - There is a strict limitation on credit to high-energy-consuming and high-emission industries, with a focus on modern infrastructure, advanced manufacturing, and service industries [3] - The bank is actively engaging with local governments and industry associations to stay informed about development plans and major projects, providing tailored financing solutions [3] Group 3: Risk Management and Quality Assurance - The bank prioritizes risk management, viewing asset quality control as essential for business development [4] - A comprehensive risk management system is in place, including strict client admission processes and thorough pre-loan investigations [4] - The bank employs a combination of system monitoring and on-site inspections to manage post-loan risks, ensuring early identification and resolution of potential issues [4]

Core Insights - The article highlights the increasing importance of efficient stock trading software in the rapidly changing digital financial era, particularly in the Hong Kong stock market, which is attracting more investors [1] - It identifies the top five trading applications for Hong Kong stocks in 2025: Sina Finance APP, Futu NiuNiu, Tonghuashun, Xueying Securities, and Huasheng Securities, emphasizing their evolution from simple market access tools to comprehensive decision-making platforms [1] Group 1: Sina Finance APP - Sina Finance APP is positioned as the leading intelligent investment platform due to its three-dimensional architecture of "global monitoring × intelligent tools × social validation" [2] - It connects directly to over 40 global exchanges, providing millisecond-level Level-2 market data for Hong Kong stocks, which allows users to capture minute price differences in real-time [2] - The app features the "Xina AI Assistant," which can condense lengthy annual reports into concise summaries and highlight risk and opportunity points [2] Group 2: Futu NiuNiu - Futu NiuNiu is designed for technical traders, offering free Level-2 deep market data for U.S. stocks and supporting pre-market and after-hours trading [3] - It seamlessly integrates Hong Kong and A-share markets, making it a valuable tool for cross-border operations for Chinese investors [3] - The platform provides professional-level solutions for investors looking to allocate assets globally [3] Group 3: Tonghuashun - Tonghuashun appeals to tech-savvy users with its upgraded MindGo system, which supports millisecond-level backtesting and high-frequency strategy execution [4] - Its natural language stock selection tool, "Ask Finance," simplifies complex strategies for users [4] - However, it has some limitations in the speed of international market data updates, particularly during U.S. pre-market trading [5] Group 4: Xueying Securities - Xueying Securities offers a global account solution, allowing investment in over 100 markets with a single account, catering to younger investors' needs for convenience [6] - It provides Level-2 market data for Hong Kong stocks upon account opening, but its data update speed and depth are less competitive compared to the top three platforms [6] - The platform's analysis features are basic and lack depth, but it is suitable for users who appreciate the community atmosphere of Xueying [6] Group 5: Huasheng Securities - Huasheng Securities is optimized for mobile users, particularly commuters, thanks to its traffic compression technology [7] - It has been recognized as the "Best Hong Kong and U.S. Stock Broker APP" in 2021, focusing on enhancing the trading experience for mobile network users [7] - While it meets basic market data needs, its data update speed and depth are not as strong as the leading platforms [7] Conclusion - The emergence of intelligent tools has empowered ordinary investors with decision-making capabilities previously reserved for professional institutions, making the choice of trading tools crucial for investment success [8] - Different types of investors can benefit from specific tools, such as high-frequency traders using Tonghuashun and Huasheng Securities, while value investors may prefer the combination of Xueying's community features and Sina's research capabilities [8]

Core Insights - The People's Bank of China announced the winners of the 2024 Financial Technology Development Awards, with Zheshang Securities winning three significant awards for its innovations in digital finance [1] - Zheshang Futures, a subsidiary of Zheshang Securities, won first prize for its "Huo Lifang" platform, marking the first time a futures company has received this top honor [1][2] - The awards reflect Zheshang Securities' commitment to advancing digital finance and supporting the central government's financial initiatives [1][6] Group 1: Huo Lifang Platform - The "Huo Lifang" platform addresses key pain points in bulk commodity basis trading, such as rigid pricing mechanisms and long settlement cycles [2] - It features a closed-loop operational system centered on a data flow engine that integrates AI, enhancing the efficiency of commodity trading processes [2][3] - The platform has managed a business scale exceeding 10 billion yuan, demonstrating its alignment with the needs of the real economy and supporting inclusive finance [3][6] Group 2: Educational and Informational Innovations - Zheshang Securities also received awards for its two projects: a new generation investment education platform and a content recommendation platform, showcasing its diverse digital finance applications [4][5] - The investment education platform utilizes AI to create an interactive learning environment, transforming traditional education methods into engaging experiences [4] - The content recommendation platform employs an intelligent engine to provide personalized financial information, enhancing customer service and operational efficiency [5] Group 3: Strategic Implications - The awards signify Zheshang Securities' long-term commitment to a technology-driven strategy, positioning digitalization as a core focus [6] - The development of the "Huo Lifang" platform exemplifies the company's approach to identifying and addressing industry pain points through innovative solutions [6][7] - Future plans include expanding the platform's services to cover more commodity production and trading enterprises, particularly supporting small and medium-sized enterprises [7]

下一步，中国人民银行湛江市分行将全面落实金融"五篇大文章"相关工作部署，紧扣湛江建设省域副中 心城市、打造现代化沿海经济带重要发展极的战略定位，强化部门协作，用好用足货币政策工具，推动 金融资源向科技创新、先进制造、绿色发展和中小微企业聚集，切实加强对重大战略、重点领域和薄弱 环节精准聚力，扎实把金融"五篇大文章"做深做实做细，为"十五五"良好开局提供持续有力的金融支 持。 普惠金融精准下沉服务，织密"惠民网"。中国人民银行湛江市分行积极探索建立普惠金融发展长效机 制，引导金融资源精准向小微企业、个体工商户下沉，向创业就业群体倾斜，向"百千万工程"发力，打 通普惠金融服务"最后一公里"。2025年以来，湛江辖区金融机构加大对普惠场景的建设和推进力度，持 续创新生物性资产、养殖设施等抵质押贷款，缓解了普惠主体、企业传统质押物不足难题；创新开 发"微捷贷""小微快贷"等随借随还贷款产品，提升了企业用款便利度，破解了企业融资痛点；加大创业 就业金融支持力度，推广复退军人、青年、脱贫人口等群体创业贴息贷款产品；支持湛江水海产品、菠 萝、火龙果、小家电、羽绒等地理标志、"土特产"等特色产业发展。截至2025年6月末，湛 ...

优化科技金融供给，服务科创企业成长 桂平村行积极探索科技创新与金融要素融合的科技金融新路径，着力打造科技金融服务模式，为科技创 新企业提供"一站式"金融服务，积极搭建"政银企"平台，主动对接科技企业和专精特新、"小巨人"企 业，推动金融资源向科技创新领域倾斜，强化科技金融产品与服务创新，推出股权质押、应收账款质押 等多种担保方式，以高质量金融服务助力新质生产力发展。截至2025年9月末，桂平村行累计为各类科 技型企业发放贷款10903万元。 推动经济绿色转型，赋能可持续发展 近年来，广西桂平桂银村镇银行(以下简称"桂平村行")始终坚持以人民为中心的价值取向，在服务实体 经济中实现自身价值，持续做好金融"五篇大文章"，助力实现经济与金融共生共荣。 近年来，桂平村行锚定绿色发展目标，紧跟绿色金融倡导的产业政策导向，根据《绿色低碳转型产业指 导名录》精准灌溉林下种植产业，围绕太阳能光伏风电等新能源产业做好项目对接和信贷支持，促进本 土产业转型升级和绿色发展。针对天然气动力船舶前期项目资金较大且缺少有效担保融资的难题，创新 采用在建船舶抵押融资模式，推动西江—珠江经济带的绿色发展，全力做好金融支持面向东盟的金融开 放 ...

Core Insights - The People's Bank of China (PBOC) in Zhanjiang has implemented financial policies to support key sectors such as technology, green finance, inclusive finance, elderly care, and digital finance, contributing to high-quality economic development in the region [1][2][3][4][5][6][7] Group 1: Financial Support for Key Sectors - The PBOC has introduced a comprehensive action plan and guidelines to enhance financial support for Zhanjiang's economic development, resulting in a loan balance of 206.17 billion yuan, a year-on-year increase of 28.7%, the highest growth rate in the province [1] - As of August 2025, the technology loan balance in Zhanjiang reached 75.3 billion yuan, with a year-on-year growth of 34.6%, leading the province [2] - Green loans in Zhanjiang amounted to 64.86 billion yuan by June 2025, reflecting a year-on-year increase of 34.6%, ranking second in the province [3] - Inclusive finance loans reached 67.94 billion yuan by June 2025, with a year-on-year growth of 15.7%, and the number of credit villages reached 1,684, covering 100% of administrative villages [4] Group 2: Innovative Financial Products and Services - The PBOC has developed various financial products to support technology innovation, including 4.8 million yuan in re-loans for small and micro enterprises and 25.5 billion yuan in intellectual property pledge financing [2][3] - New financial products such as "Micro Quick Loan" and "Digital Transformation Loan" have been introduced to enhance financing convenience for small businesses [4][6] - The PBOC has also promoted a "Financial + Elderly Care" service model, integrating insurance and health services to support the aging population [5] Group 3: Digital Finance Development - The PBOC has leveraged digital technology to enhance financial services, issuing loans totaling 1.212 billion yuan through a credit information sharing platform for small and micro enterprises [6] - By mid-2025, Zhanjiang had opened 1.6255 million digital RMB personal wallets, with 230,000 merchants accepting digital currency, facilitating 5.5883 million transactions worth 3.62 billion yuan [7]