智通财经6月24日午间新闻精选 1、9月3日上午，北京天安门广场将举行纪念中国人民抗日战争暨世界反法西斯战争胜利80周年大会， 包括检阅部队。 4、美国总统特朗普宣布的以伊停火时间已到，目前双方尚无官宣。以色列国防军24日发表声明说，伊 朗向以色列发射当天第五波导弹。 5、截至午间收盘，沪指涨1%，深证成指涨1.45%，创业板指涨1.94%。恒生指数涨1.95%，恒生科技指 数涨2.28%。 3、央行科技司副司长周祥昆介绍，下一步将研究制定新阶段金融科技发展规划，出台深化运用金融科 技推动金融数字化智能化转型的政策文件。 2、证监会科技监管司副司长、一级巡视员蒋东兴表示，证监会紧密围绕做好数字金融等"五篇大文 章"，将数据要素作为新质生产力的重要组成部分，稳步推进数据要素在资本市场的深度融合与创新应 用。 ...

Core Viewpoint - The Dalian Branch of China Construction Bank has played a significant role in supporting the revitalization of Liaoning Province, achieving a loan balance exceeding 120 billion yuan and ranking first among the four major state-owned banks in growth rate by the end of 2024 [1] Group 1: Economic Contributions - The bank has implemented a comprehensive set of incremental policies to directly benefit key sectors of the real economy, resulting in significant achievements [2] - It has actively supported the real estate sector by facilitating the adjustment of mortgage rates and down payment ratios, leading to the approval and funding of five key real estate projects [2] - The bank has provided over 4 billion yuan in credit support to more than 3,200 small and micro enterprises, significantly alleviating their financing pressures [2] Group 2: Financial Support Initiatives - In 2024, the bank has issued over 670 billion yuan in non-pledged loans, focusing on various sectors including technology, green finance, and inclusive finance [3] - The bank has supported technology innovation by providing over 190 billion yuan in loans to tech enterprises, including a major acquisition project for a national-level technology innovation demonstration enterprise [3] - It has issued nearly 50 billion yuan in green loans to support key energy projects in the region [3] Group 3: Digital Finance and Future Plans - The bank has collaborated with local governments to develop a digital home purchase certificate application system, issuing over 25,000 certificates totaling 2.2 billion yuan in 2024 [4] - The bank aims to continue leveraging its strengths to contribute more financial wisdom and support to the revitalization efforts in Liaoning Province [4]

2025年6月22日，中国人民银行与香港金融管理局联合推出的内地与香港快速支付系统互联互通（以下 简称"跨境支付通"）正式上线。在中国人民银行惠州市分行的指导下，中国银行惠州分行（以下简 称"惠州中行"）成功为当地居民办理全国首批惠州首笔跨境支付通业务，标志着惠州与香港的跨境支付 服务迈入"实时到账、便捷高效"的全新时代。 "没想到跨境汇款能这么快！以前要等1-3个工作日，现在通过手机银行点一点，人民币就'秒变'港币到 香港亲戚账户了！"首位体验客户李女士的感慨，生动诠释了"跨境支付通"带来的变化。跨境支付通可 实现用户通过手机银行随时随地办理跨境转账，资金实时到账，实现了"移动端发起、本币支付、实时 到账、零手续费"的全流程数字化体验，是践行金融工作五篇大文章中"数字金融"利民便民服务的体 现。 据中国人民银行惠州市分行相关负责人介绍，跨境支付通依托内地网上支付跨行清算系统与香港快速支 付系统"转数快"的直连互通，为两地居民提供高效、便捷、安全的跨境支付服务，极大地便利了两地居 民探亲访友、赡养汇款、留学缴费、跨境消费、医疗服务等日常需求。这种安全、高效、低成本的跨境 支付服务，切实解决了群众的"急难愁盼" ...

Core Insights - The "Xianjin Tong" digital financial platform in Xianning, Hubei Province, has significantly supported the China Bank Xianning Branch in serving the real economy, with over 2.5 billion yuan in loans disbursed by June 18, benefiting more than 110 small and micro enterprises and urban residents [1][2] Group 1: Support for Small and Micro Enterprises - The Xianning Branch focused on addressing the financing difficulties of small and micro enterprises, issuing 330 million yuan in inclusive loans to 51 small entities through the platform [1] - A specific agricultural trading enterprise in Jiayu County received a rapid loan approval of 10 million yuan within just two days, alleviating their funding shortage during the procurement season [1] Group 2: Services for Individual Residents - The branch issued 4.05 million yuan in personal operating loans in the second quarter, utilizing products like merchant convenience loans and E-commerce loans [1] - A resident in Chongyang County successfully obtained a 200,000 yuan loan for expanding her hotel business, highlighting the platform's accessibility and lower interest rates compared to the market [1] Group 3: Digital Empowerment and Efficiency - The "Xianjin Tong" platform has achieved full service coverage across 11 branches, with over 80% of 150 registered users completing credit applications via mobile [2] - The average approval time for small and micro enterprises has been reduced to within 24 hours, enhancing the flow of financial resources to the real economy [2] Group 4: Future Development Plans - The bank plans to deepen the application of the platform by expanding collaborations with agricultural cooperatives and business associations [2] - A "mobile financial service team" will be established to reach parks and communities, translating more beneficial policies into tangible development outcomes [2]

Group 1: Potential for China-Europe Financial Cooperation - The potential for China-Europe financial cooperation is significant, particularly in establishing a global unified and actionable green standard system [1][4] - The cooperation has evolved from mutual benefit in trade and investment to a more profound partnership aimed at shaping the future together, sharing development opportunities, and addressing global responsibilities [2][3] - The current global economic landscape presents challenges, with risks evolving from isolated incidents to chain reactions, necessitating a collaborative approach between China and Europe [2][3] Group 2: Currency and Economic Integration - There is a broad space for deepening cooperation between the Renminbi and the Euro, especially in the context of the Belt and Road Initiative, which could lead to a strategic "China-Europe Regional Economic Community" [3][4] - The internationalization of the Renminbi is supported by China's technological advancements and competitive products, which provide a long-term economic foundation for currency appreciation [5][6] - The interaction between high-level corporate internationalization and Renminbi internationalization is mutually reinforcing, enhancing competitiveness and risk management for enterprises [6] Group 3: Digital Finance and Innovation - Digital finance is showing immense potential, enhancing financial inclusivity and innovation, with a focus on the evolution of banks beyond traditional lending roles [7][8] - The rapid development of AI is transforming various industries, including finance, necessitating a proactive approach to embrace uncertainty and leverage opportunities in the AI era [8][9] - Shanghai is emerging as a global hub for green and digital finance, with significant advancements in policy openness, green financing mechanisms, and financial technology infrastructure [10] Group 4: International Financial Center Development - The construction of Shanghai as an international financial center requires balancing openness with security, innovation with regulation, and autonomy with collaboration [9] - Financial centers are transitioning from competition to collaborative win-win scenarios, focusing on areas such as green finance standards and regulatory technology [9][10] - The evolution of financial centers is characterized by the integration of capital, data, and talent, positioning Shanghai as a strategic high ground for financial innovation [10]

Core Viewpoint - Taizhou Bank is committed to its "1125 strategy" and aims to support the real economy's stable and high-quality development through robust financial services, despite facing economic challenges in 2024 [1] Group 1: Financial Performance - As of the end of 2024, Taizhou Bank's total assets reached 411.902 billion, an increase of 10.406 billion, representing a growth of 2.59% year-on-year [3] - The bank's non-performing loan ratio was maintained at a low level of 1.10%, significantly below the national average [4] - The provision coverage ratio stood at 309.67%, more than double the regulatory requirement, indicating strong risk resistance capabilities [4] Group 2: Focus on Small and Micro Enterprises - Taizhou Bank focuses on serving small and micro enterprises, with over 99% of loans directed to clients with loans below 5 million, highlighting its support for the private economy [3] - The bank has implemented a service model that includes "industry-based, village-based, platform-based, and ecological" approaches to provide customized financing solutions for small businesses [3] Group 3: Digital Transformation - The bank has made significant progress in digital transformation, establishing a "Smart Financial Service Platform" for small and micro enterprises [5] - By leveraging big data and artificial intelligence, Taizhou Bank has optimized its credit approval processes and enhanced service efficiency [5] - New digital products, such as the 3.0 version of the mobile business hall and the "Micro Green Pass" green finance service, have been introduced to support small businesses in their digital transition and low-carbon transformation [5]

所谓数字金融，是指利用大数据、云计算、人工智能、区块链等新兴技术，实现金融服务的数字化、智 能化和个性化，它打破了传统金融服务的时空限制，提高了金融服务的效率和覆盖面，为金融市场带来 了深刻变革，其核心在于技术驱动与数据赋能。 四是将数字金融普及与服务下沉。公司利用数字金融手段，拓宽金融服务的广度和深度，特别是在农村 地区和中小企业中推广期货知识，提供风险管理工具，帮助实体经济抵御价格波动风险，助力乡村振兴 和中小企业发展。近年来，公司利用行业优势，通过"保险+期货"模式助力产业振兴，向西藏、云南、 内蒙古等近20个省（区、市），共计投入帮扶资金超5000万元，覆盖花生、苹果、鸡蛋、生猪、橡胶、 白糖、大豆、玉米、豆粕、饲料等十多种农产品，保障现货量超30万吨，相关项目承保货值超30亿元， 项目最终赔付近1亿元，惠及超10万农户。 卢大印介绍说，近年来，随着金融科技的不断进步，期货公司纷纷布局数字金融，从数据平台优化、交 易系统升级、风险管理工具创新、客户服务智能化等多个维度进行探索。特别是大数据平台，通过整合 大量数据源，提升市场预测能力，优化交易策略，极大地丰富了期货市场的服务内涵。 尽管期货公司在数字金 ...

Core Insights - The article highlights the theme of "open innovation and technology empowerment" in the context of the China International Financial Expo, focusing on exploring new paths for high-quality financial development [1] - MAXHUB showcases its financial industry solutions that integrate "AI + localization + hyper-convergence" to address multi-level collaboration challenges faced by financial institutions [1][2] Group 1: Digital Collaboration Network - Financial institutions are facing three major challenges: cross-level collaboration barriers, the difficulty of extracting value from massive unstructured data, and the pressure for localization under security needs [2] - MAXHUB has developed a comprehensive collaboration network that includes a hyper-converged video conferencing solution adaptable to various deployment environments, meeting diverse performance, cost, and security needs [2][5] - The AI-powered meeting solution provides real-time features such as meeting minutes, multilingual translation, and automated task generation, transforming lengthy discussions into structured, retrievable knowledge assets [2][5] Group 2: Implementation and Impact - MAXHUB's solutions have been validated in both multinational meetings and remote collaborations, demonstrating high efficiency and security [6] - A state-owned bank replaced over 3,000 terminals in 60 days, achieving seamless integration and covering nearly 800 branches with a high-quality localized meeting experience [6] - In rural areas, MAXHUB screens have improved communication between banks and farmers, significantly reducing loan processing time to just two hours [7] Group 3: Connecting People - The core of financial digitalization is the efficient connection of people, as evidenced by the transformation of large meetings and enhanced interactions between banks and rural clients [10] - MAXHUB's mission is to bridge gaps in connectivity, supporting both large financial institutions and local banks, while facilitating communication across geographical barriers [10] - The collaboration network established by MAXHUB not only enhances operational efficiency but also serves as a vital pathway for improving financial service quality [10]

Core Viewpoint - The importance of safety and trustworthiness in digital financial innovation is emphasized, highlighting the need for regulatory clarity and market confidence [1][5][6]. Group 1: Digital Financial Innovation Principles - The "high, medium, initial, small" principle is proposed to balance innovation and risk tolerance, allowing for some flexibility in risk management [1][8]. - Financial models must prioritize safety, reliability, and explainability, with a focus on advanced security technologies to prevent malicious attacks [2][4]. Group 2: Key Considerations for Financial Models - Financial models should avoid pitfalls such as model hallucination, discrimination, algorithmic resonance, AI deception, and the coldness of machine interactions [4]. - The need for legal clarity regarding the status and responsibilities of financial AI is highlighted, ensuring that financial institutions have clear decision-making accountability [4][6]. Group 3: Economic Efficiency and Collaboration - Industry-level financial models should be developed through extensive data pre-training and customization to reduce development costs and expand application ranges [5]. - Collaboration between strong tech companies and financial institutions is encouraged to lead the development of industry-level financial models and applications [5]. Group 4: Regulatory Innovation - The necessity for a robust regulatory framework for digital finance is stressed, including the establishment of clear business norms and a comprehensive regulatory system [6][7]. - The balance between innovation and regulation is crucial, with a call for a flexible approach that does not stifle innovation while ensuring market stability [7][8].

作为平安银行的全资理财子公司，平安理财紧紧围绕母行"零售做强、对公做精、同业做专"的战略方 向，持续提升专业投研、产品体系、渠道经营、运营服务、风险管理方面"五位一体"的能力，构建多元 化人才队伍和数据科技创新"双擎驱动"的竞争优势。近年来，平安理财在全球资管榜单的排名稳步上 升，充分展示了公司卓越的投资管理能力、稳健的风险控制体系以及日益提升的市场影响力。 自成立以来，平安理财牢记"服务实体经济、坚持为民理财"的初心，积极践行金融工作的政治性、人民 性，以实干争先的状态做深做实金融五篇大文章。成立近五年来,平安理财累计为超1300万名客户创造 投资收益超1000亿元，平均每年提供超过2600亿元资金支持实体经济发展，以实际行动诠释了新时代银 行理财公司的使命与担当。 近日，欧洲权威出版集团"欧洲投资与养老金"（Investment & Pension Europe， IPE）最新发布了年度榜 单—"2025全球资管500强"，57家中国资管公司进入该榜单。平安理财有限责任公司（简称"平安理 财"）再度进入榜单，位列全球第167位，较2024年、2023年的排名分别上升了17位和23位，全球综合竞 争力持续提 ...