近几年，普惠金融作为金融"五篇大文章"之一被反复强调，体现了我国金融工作以人民为中心的价值取 向。 "普惠金融对于缩小城乡、区域、群体间的金融资源差距具有重要作用。"世纪证券党委书记、董事长李 剑峰接受证券时报记者专访时表示，依托深圳前海作为"特区中的特区"政策和区位优势，世纪证券正通 过科技赋能、产品创新与业务协同，探索普惠金融实践路径，推动财富管理从"交易驱动"转向"价值创 造"，为行业提供差异化发展样本。 强化一体协同 随着居民财富管理需求升级，投资者从追求高收益转向风险收益平衡，更重视资产保值与合理增值，资 产配置多元化的需求日益强烈。世纪证券相关负责人表示，该公司坚持"以客户为中心"，根据客户需求 提供不同的金融解决方案；同时，根据市场变化提升专业能力水平，优化金融产品布局，满足广大居民 差异化的财富管理需求。 为此，世纪证券进一步深化各业务条线协同机制建设，整合内外部资源，建立合理合规的利益分配机 制，充分调动一线业务人员积极性，打通跨业务协作的"最后一步"，使专业资产配置服务更高效、精准 触达投资者。随着服务效能的不断提高，客户黏性逐渐增加，世纪证券帮助客户实现从追求高收益到财 富保值增值的转变 ...

Core Insights - The stability and efficient operation of supply chains are crucial for enhancing industrial competitiveness in the context of profound changes in the global economic landscape and ongoing domestic macro policies aimed at expanding domestic demand [1] Group 1: National Subsidy Policy - The national policy for "large-scale equipment updates and consumer goods trade-in" is expected to create market opportunities while testing the efficiency of policy implementation [2] - JD Supply Chain Financial Technology utilizes a "consumer finance + supply chain finance" collaborative model to create a closed loop of "demand activation and supply assurance" [2] - The introduction of products like "Jingbaobei," "Order Loan," and "Pledge Loan" addresses the pain points faced by enterprises under national subsidy policies, providing comprehensive funding coverage from procurement to sales [2] Group 2: Financial Support for Businesses - JD Supply Chain Financial Technology has launched significant financial support policies ahead of the 2025 Double 11 shopping festival, including interest rate reductions for core products [3] - The "Jingbaobei" product offers a first loan annual interest rate as low as 3.8%, with rapid disbursement capabilities [3] - The "Order Loan" and "Pledge Loan" have reduced first loan interest rates to 5%, with dynamic pledge technology allowing for quick approval and disbursement [3] Group 3: Domestic Computing Power - The rise of domestic computing power is creating increased demand in the supply chain, with JD Supply Chain Financial Technology responding by expanding its "Pledge Loan" service to the server sector [4] - JD has supported nearly 20 domestic computing power enterprises, helping them overcome funding bottlenecks during critical technology iteration periods [4] - The integration of "finance + warehousing + logistics" services enhances supply chain management efficiency for computing power companies [4] Group 4: Cross-Border Financial Services - JD Supply Chain Financial Technology is expanding its cross-border financial service capabilities in line with JD Group's internationalization strategy [5] - A new cross-border logistics pledge loan product was launched in September 2025, with plans to provide up to $1 billion in financing support for overseas clients by 2026 [5] - JD's global reach includes over 100 countries and regions, with cross-border financial products aimed at facilitating procurement financing for companies venturing abroad [5] Group 5: Overall Impact and Future Outlook - JD Supply Chain Financial Technology serves as a "converter" between policy dividends and market demand, helping enterprises resolve funding challenges and enhancing the overall quality and efficiency of the industrial chain [6] - As of June 2025, JD Supply Chain Financial Technology has facilitated over 500 billion yuan in annual financing, serving more than 3,000 large enterprises and over 2 million small and medium-sized enterprises [6] - The company aims to continue driving high-quality economic development in China through data-driven and scenario-based approaches [6]

Core Insights - The article highlights the successful issuance of export buyer's credit financing amounting to 7.129 billion yuan by Industrial Bank's Nanning branch for an Indonesian new materials company, aimed at supporting its renewable energy project in Indonesia [1] Group 1: Financing Details - The financing is the first independent export buyer's credit business undertaken by Industrial Bank, promoting the integration of cross-border finance and green finance [1] - The loan is insured by China Export & Credit Insurance Corporation (Sinosure) and utilizes future operating income from the project as the repayment source [1] - This financing model effectively addresses the integrated needs of "financing + construction + operation" for overseas projects, alleviating the financial pressure on enterprises and enhancing the competitiveness of Chinese companies in the international market [1] Group 2: Strategic Focus - Industrial Bank's Nanning branch is committed to aligning with national strategies and supporting the real economy, while seizing opportunities in China-ASEAN cooperation [2] - The bank aims to leverage its strengths in cross-border finance, green finance, and investment banking to enhance its cross-border financial service capabilities [2] - The focus is on exploring new paths for the integration of "cross-border + industry" development, facilitating more overseas project financing and the expansion of industrial chains [2]

Group 1 - Financial technology positions are once again the focus of the job market for the 2025 autumn recruitment season, with banks, brokerages, insurance companies, and internet financial institutions actively hiring, but facing structural contradictions in supply and demand [1] - Major state-owned banks are prioritizing financial technology recruitment, with positions such as "Artificial Intelligence+" at Industrial and Commercial Bank of China and a plan to hire 491 for technology roles at Agricultural Bank of China, emphasizing a need for candidates with a dual background in finance and computer science [2][3] - Salaries in the banking sector show a "steady premium," with average annual salaries for technology positions in state-owned banks ranging from 250,000 to 350,000 yuan, while internet financial institutions offer higher compensation [2] Group 2 - Brokerages are intensifying their focus on quantitative and AI roles, with firms like GF Securities expanding recruitment by 30% for quantitative positions, but facing a shortage of qualified candidates [3] - The insurance industry is urgently seeking talent for its digital transformation, with China Life offering 127 financial technology positions, a 50% increase in demand for roles like intelligent underwriting and image recognition engineers [4] - Internet financial companies are emerging as winners in the talent competition, with positions at Ant Group and Tencent offering annual salaries between 500,000 and 800,000 yuan, but facing high competition and turnover rates [4][5] Group 3 - A significant mismatch exists in the job market, with 66.4% of financial institutions urgently needing AI talent, yet 84.2% cite a lack of relevant work experience as a major hiring challenge [6] - The recruitment landscape is polarized, with top firms offering salaries in the millions while smaller institutions struggle to attract suitable candidates, leading to a cycle of "unable to hire/unable to retain" [7] - The CGFT certification program launched in Shanghai aims to bridge the skills gap, with over 40,000 trained and 2,000 certified, but practical project experience remains crucial for hiring [8][9] Group 4 - The demand for compliance technology and cross-border financial roles is increasing, with positions for data compliance engineers at WeBank seeing an 80% year-on-year growth [5][9] - The financial technology talent standard is evolving from "programmers" to "financial algorithm engineers," with a growing need for professionals who can apply technical skills in real-world financial scenarios [9][12] - Companies are actively working to bridge the supply-demand gap by implementing joint training programs and adjusting educational curricula to better prepare graduates for the job market [11][12]

Group 1 - The report highlights significant achievements in the financial industry during the "14th Five-Year Plan" period, emphasizing both scale and quality improvements in financial services [1][9][10] - By June 2025, China's banking sector total assets reached nearly 470 trillion yuan, ranking first globally, while the stock and bond markets ranked second [11][10] - The report indicates that the direct financing ratio increased to 31.6%, up by 2.8 percentage points from the end of the "13th Five-Year Plan" [11][16] Group 2 - The report suggests five key investment areas based on the achievements of the "14th Five-Year Plan" and trends for the "15th Five-Year Plan": financial technology, capital market services, green finance, technology finance, and cross-border finance [2][25][26] - Financial technology is highlighted as a leading area, with mobile payments at an international forefront and steady progress in digital currency development [2][25] - Green loans grew at an average annual rate exceeding 20% during the "14th Five-Year Plan," with expectations for continued rapid growth in the "15th Five-Year Plan" [2][26] Group 3 - The report emphasizes the significant enhancement of financial services to the real economy, with loans to high-tech enterprises reaching nearly 19 trillion yuan, growing at an annual rate exceeding 20% [14][15] - The capital market's role in supporting technological innovation has accelerated, with over 90% of newly listed companies being technology-related [15][16] - The financial risk prevention and regulatory system has evolved, with a notable reduction in high-risk institutions and assets, ensuring that risks remain controllable [16][19] Group 4 - The report outlines a new pattern of institutional opening in the financial sector, with the removal of foreign ownership limits and an increase in foreign investment in A-shares [20][21] - By July 2025, foreign institutions and individuals held over 10 trillion yuan in domestic stocks and bonds, indicating a growing international presence in China's financial markets [20][21] - The report also notes the deepening of foreign exchange management reforms, facilitating cross-border investment and financing needs [21][24]

2025年"活力中国调研行"海南主题采访活动走进海南中行，了解跨境金融服务 海南EF账户成为跨境资金"高速路" 中国银行海南省分行部门负责人叶红介绍，EF账户支持本外币一体化，可同时兼容美元、欧元、日元等 多个可自由兑换的外汇币种，使用离岸汇率结算。企业可充分利用境内外两个市场，结合业务实需选择使用 境内一般账户的在岸汇率，或选择使用EF账户的离岸汇率，有效做好汇率风险管理，节约财务成本。 经过1年多的运行，海南EF账户业务稳步有序扩容增量，特别是今年以来，适用于海南自贸港内机构的 EFE账户逐步扩大范围，且开户数量稳步上升，为海南自贸港内机构在跨境资金流动方面带来了极大的自由 便利。今年上半年，海南自贸港新增EF账户273个(其中EFE账户131个)，并且EF账户发生业务量已达到折合 人民币918亿元。截至今年7月28日，海南自贸港已有10家银行试点开展EF账户业务。 (本报海口9月22日讯) 9月22日，2025年"活力中国调研行"海南主题采访活动走进中国银行海南省分行。海南日报全媒体记者 张茂 摄 EF账户全称为海南自由贸易港多功能自由贸易账户，作为跨境金融基础设施的核心，承担着打通境内外 资金循环的关 ...

Core Viewpoint - The Agricultural Bank of China Guangxi Branch is enhancing cross-border financial services and supporting the construction of the China-ASEAN Free Trade Area 3.0, leveraging its unique geographical advantages to strengthen the China-ASEAN community [1] Group 1: Financial Services to Enterprises - The bank emphasizes financial services for the real economy, focusing on five major areas to promote high-quality economic development [2] - Support for innovative enterprises includes a comprehensive support system, with strategic emerging industry loans reaching 82.888 billion yuan, an increase of 10.384 billion yuan, representing a growth rate of 14.32% [2] - The bank is actively expanding green finance, with a green credit balance of 126.358 billion yuan, an increase of 6.124 billion yuan [2] - Inclusive finance support for small and micro enterprises has led to a loan balance of 61.436 billion yuan, an increase of 6.904 billion yuan, with a growth rate of 12.66% [2] Group 2: Services for the Elderly and Digital Finance - The bank is enhancing financial services for the elderly, establishing 728 "Warmth Zones" and 714 "Caring Windows," with pension entrusted asset balance reaching 11.354 billion yuan [3] - Digital finance initiatives include the implementation of a management system and various innovation projects to promote high-quality development [3] Group 3: Cross-Border Financial Cooperation - The bank is focusing on cross-border financial innovation, facilitating trade and investment cooperation, with international payment volumes reaching 5.519 billion USD and cross-border RMB settlement volume at 7.402 billion yuan [4] - The bank has successfully executed its first cross-border settlement with a Vietnamese bank, marking a significant milestone in its cross-border operations [5] Group 4: Support for Belt and Road Initiative - The bank is increasing financial support for Belt and Road projects, exemplified by its involvement in a steel project in Malaysia, providing 100 million USD in cross-border loans [7] - The bank has achieved breakthroughs in various financial services, including offshore account transfers and trade financing, enhancing its service capabilities in the ASEAN region [8]

Group 1 - The core viewpoint emphasizes the need for improved capital market construction to support the development of new productive forces in China [1][2] - Cross-border finance will be a key research focus, addressing the financial challenges faced by Chinese enterprises expanding overseas [2][3] - The current financial system in China is primarily bank-based, contrasting with the capital market-oriented system in the United States, which affects innovation financing [2] Group 2 - There is a significant lack of in-depth research on the financial needs of Chinese enterprises going abroad, particularly in offshore financial development [2] - The People's Bank of China announced a pilot reform for offshore trade finance services in the Lingang New Area, which aims to facilitate a "global order, overseas processing, Lingang settlement" model [2] - The focus on domestic demand growth and recovery is highlighted, with a call for increased attention to high-end service industry development as a means to boost consumption [3]

人民财讯9月17日电，9月17日，香港特区行政长官李家超发表新一份施政报告指出，2024年外地驻港企 业在香港共设有超过1400家地区总部，其中逾300家来自内地。接下来，将为"出海"企业制订多元方 案，其中包括：香港金管局会推动银行业尤其内地银行在港设立区域总部，利用香港优势，辐射开拓东 南亚和中东等地区市场，提供更全面的跨境金融方案；吸引更多内地企业在港设立财资中心，于2026年 上半年完成研究优化税务宽减措施。金管局和沙特阿拉伯公共投资基金(PIF)已签署谅解备忘录，创立 达10亿美元的新投资基金，用于香港和其他大湾区城市"出海"到沙特阿拉伯的企业。 ...

Core Insights - The event "Study Abroad for Children" was successfully held in Kunming, co-hosted by Bank of China Yunnan Branch and New Channel Kunming School, focusing on study abroad planning and cross-border financial services [1][3] - The event highlighted the increasing demand for quality international education and professional financial services among families in Yunnan [5] Group 1: Event Overview - The event featured speeches from key representatives, including Wu Tao, Vice President of Bank of China Yunnan Branch, and Li Hua, Deputy General Manager of the Personal Finance Department [1] - The event provided professional and comprehensive financial and educational guidance for families intending to send their children abroad [1] Group 2: Financial Services - Qiao Li, Cross-Border Product Manager of the Personal Finance Department, presented on the advantages of Bank of China's cross-border services, including study abroad account opening, foreign currency exchange, and cross-border remittances [3] - Bank of China leverages its century-long international service experience and global network to offer safe, convenient, and efficient cross-border financial solutions, helping families mitigate exchange rate risks and optimize fund allocation [3] Group 3: Educational Insights - Hu Min, Chairman of New Channel International Education Group, delivered a keynote speech on international education path planning, trends in studying abroad at a young age, and educational choices in the era of artificial intelligence, resonating with the audience [5] - The interactive segment of the event saw enthusiastic participation, reflecting the urgent need for quality international education and professional financial services among local families [5] Group 4: Future Initiatives - Bank of China Yunnan Branch plans to continue launching more exclusive financial products and service activities tailored for study abroad families, supporting their educational aspirations [5] - The event reinforced the trust between the bank and its clients, showcasing Bank of China's expertise and social responsibility in the cross-border financial sector [5]