Group 1: Core Insights - The financial industry must adopt AI technologies to avoid obsolescence, with a focus on understanding AI's applicability to their specific needs [5][7][9] - The emergence of DeepSeek has democratized AI access for small and medium-sized financial institutions, enhancing their capabilities and transforming the financial landscape [3][4][11] - The development of a governance framework for AI in finance is essential to address new risks such as model hallucinations and algorithmic opacity [9][12] Group 2: Digital Economy and Financial Growth - In the first quarter, the core industries of the digital economy in China grew by over 10%, significantly outpacing GDP growth, contributing to a strong macroeconomic start [3][4] - Investment in emerging fields like AI and humanoid robots has surged, injecting vitality into the industry [3][4] - Eastern regions of China lead in digital economy contributions, with A-share listed companies in these areas accounting for over 90% of national revenue and net profit [3][4] Group 3: Future Predictions and Trends - The future of digital finance is expected to evolve into a more intelligent financial system, emphasizing safety and fairness [15] - AI models are anticipated to further empower the financial sector, enhancing international competitiveness [15] - The transition from product-centric to service-centric financial models is expected as AI becomes a foundational infrastructure in the industry [14][15]

科技金融是实现科技与金融双向促进，推动新质生产力发展的重要支撑。金融"五篇大文章"中，科技金 融位居首位。 近年来，从中央到地方，一系列支持科技创新的金融举措加速落地，我国金融支持科技创新的深度和广 度不断提升。目前，我国已经初步形成银行信贷、资本市场、债券市场和创业投资等多层次、多元化的 科技金融服务体系。 如何为科技创新注入更强的金融动力，记者采访了国家金融与发展实验室副主任杨涛。 记者：如何满足科技企业和科技创新的金融服务需求？ 杨涛：为科技创新提供更好金融服务，至少应该考虑以下两方面问题。第一，兼顾科技企业与科技创新 活动。一方面，各类科技企业是科技创新的核心力量，只有满足好科技企业的各种金融需求，才能在微 观层面上保障中国特色自主创新的顺利推进。另一方面，传统产业与企业相对缺乏科技创新能力，获得 科技金融支持的可能性相对低，如果能通过加强金融服务激发传统产业与企业的创新活力，就可能使科 技强国建设获得更广泛的基础。 杨涛：首先，要以系统化思维推动科技金融体制改革。一则，构建同科技创新相适应的科技金融体制， 更需推动供给侧结构性改革，不应该静态、片面地追求特定金融产品的规模与数量，要更加动态平衡、 结 ...

全国社会保障基金理事会原副理事长、深圳市金融稳定发展研究院理事长 王忠民 他指出，以微信支付和支付宝为代表的数字账户不仅具有低成本、零收费的特征，还具备数据自动积累功能。个人和家庭用户可以基于自身日常消费、支付 和现金流情况，在平台上构建出简易的复式财务账户，涵盖收入、支出、资产与负债等关键维度。该账户既可支撑家庭创业、经营，也便于金融机构开展信 用评估与尽职调查，为信贷、投资乃至上市服务提供基础数据。 王忠民强调，这一模式不仅实现了从消费金融向生产金融的自然延伸，也体现了普惠金融的范围经济与规模经济效应。平台化的现金管理工具正在提升资产 配置效率，在部分场景下，其短期现金管理收益甚至高于传统固收类资产。 他补充指出，在当前社会零售总额和内需增速承压的背景下，消费金融平台反而呈现30%、100%、甚至300%的高速增长，说明在低成本、高效率、风险可 控的机制下，数字金融已成为宏观经济调整周期中的稳定力量和创新源泉。 凤凰网财经讯 5月17-18日，2025清华五道口全球金融论坛在深圳举办，本届论坛主题为"共享未来：构建开放包容的经济与金融体系"，凤凰网财经全程报 道。 全国社会保障基金理事会原副理事长、深圳市 ...

中新网深圳5月18日电 (记者 夏宾)2025清华五道口全球金融论坛于17日至18日在广东省深圳市举行。第 十二届全国政协副主席、中国央行原行长周小川出席开幕式，清华大学党委副书记过勇、清华大学五道 口金融学院院长焦捷分别发表开幕致辞。波兰前总理马雷克·贝尔卡、2001诺贝尔经济学奖得主迈克尔· 斯宾塞发表主旨演讲。清华大学五道口金融学院副院长张晓燕担任开幕式主持人。 焦捷表示，多年来，中国一直是世界经济增长的主要贡献者和稳定锚。中国坚持真正的多边主义，积极 参与全球经济治理，是经济全球化和贸易自由化的倡导者。中国致力于以高质量发展的确定性应对外部 环境急剧变化的不确定性。 2025清华五道口全球金融论坛于17日至18日在广东省深圳市举行。主办方供图。 过勇表示，面对世界百年变局加速演进和全球经济不确定性，中国正以高质量发展的确定性为世界经济 提供"稳定锚"，通过建设金融强国彰显"中国力量"。 过勇强调，清华大学始终服务国家战略，在深圳创新沃土上深化产学研融合，聚焦金融科技等前沿领 域，并依托全球合作网络破解全球性发展难题。 他指出，五道口金融学院作为中国金融理论创新的策源地，构建融通中外的金融知识体系，以" ...

本报讯 （记者金婉霞）在全球数字经济蓬勃发展的当下，数字金融创新已成为推动经济增长的关键引 擎。5月15日，树图区块链香港管理有限公司（Conflux Hong Kong Management Limited）、上海树图区 块链研究院（Conflux）、上海市分布式共识技术协会、香港青年科学家协会、香港Web3.0标准化协会 以及香港金融科技行业协会联合主办的Conflux树图数字金融与生态发展大会举办。会上发布了"域外归 珍"公益项目、"一带一路"跨境贸易场景合作。 记者了解到，其中，"域外归珍"公益项目系在中国文物交流中心的支持下，依托中心的国际文物交流与 文物回流保护职能，共同打造国际文博数字保护利用服务平台。该平台以树图区块链为技术底座，通过 合法途径开展流失文物回归、研究、展览、教育开发等工作，深入挖掘文物艺术品的资产价值和知识产 权价值，通过IP授权、衍生品开发等多元化应用路径，助力中华文明在数字时代焕发新生。 "一带一路"跨境贸易场景合作则是上海树图区块链研究院、香港金融科技公司AnchorX与大宗易行 （TradeGo）三方正式达成的战略合作，将依托Conflux公链的技术性能、AnchorX ...

Core Viewpoint - The integration of AI in the financial sector presents significant risks, including model hallucination, algorithmic opacity, and over-reliance on a few tech companies, necessitating a governance framework involving multiple stakeholders [1][3][4]. Group 1: AI Risks in Finance - Model hallucination poses a challenge due to the high data accuracy required in finance, which can lead to inappropriate applications in certain areas [3]. - Algorithmic opacity complicates regulatory oversight and risk management, making it difficult to trace accountability [3]. - The increasing reliance on a few large tech companies by financial institutions may amplify traditional risks and create systemic vulnerabilities [3][4]. Group 2: Governance Framework - A governance ecosystem should include six key stakeholders: financial institutions, consumers, tech companies, industry governance organizations, regulatory bodies, and financial professionals [4][5]. - Financial institutions must ensure that AI technologies are suitable for their specific business scenarios to avoid unnecessary complexities and risks [4]. - There is a need for human intervention in critical decision-making processes to enhance controllability and risk management [5]. Group 3: Regulatory Approaches - Regulatory bodies should adopt a balanced approach, allowing for innovation while ensuring risk management through trial and error in a controlled environment [5][6]. - Enhanced regulatory measures should be implemented for systemically important financial institutions, including additional stress testing and higher capital requirements [7][8]. - Cross-market and cross-institutional risk monitoring should be strengthened to address the interconnected risks posed by AI technologies [8].

Core Viewpoint - The development of the digital economy and digital finance is progressing positively, with a strong emphasis on the integration of artificial intelligence (AI) in financial applications and the need for governance in this area [1][6][7]. Group 1: Digital Economy Growth - The digital economy showed a strong performance in Q1, with core industries growing over 10%, significantly outpacing GDP growth [3]. - The digital manufacturing sector's value added increased by 11.5%, surpassing the growth rates of the overall industrial and high-tech manufacturing sectors [3]. - Digital services, particularly in information transmission, software, and IT services, achieved double-digit growth, exceeding the overall service sector growth by 5 percentage points [3]. Group 2: Investment Trends - Investment in core digital economy industries surged, driven by policies and recovering market demand, with fixed asset investment growing by 4.2% year-on-year, an increase of 1 percentage point from the previous year [3]. - High-tech industry investment rose by 6.5%, significantly higher than the national fixed asset investment growth rate [5]. - Investment in digital economy core industries also saw double-digit growth, with electronic information manufacturing and information services increasing by 10.1% and 10.5%, respectively [5]. Group 3: Digital Consumption - Digital consumption is on the rise, with online food consumption growing faster than overall consumption, and the "trade-in" model boosting online sales [4]. - The rapid development of digital service consumption is notable, driven by innovations in digital technology and new consumption scenarios created through the internet and AI [4]. Group 4: Financial Institutions' Investment Strategies - Financial institutions are becoming more strategic in their technology investments, focusing on cost-effectiveness and the return on investment [5]. - The banking sector's technology investment growth has slowed, while the securities sector has increased its investment intensity, reflecting a shift in focus towards rational investment [5]. Group 5: Governance of AI in Finance - There is a need to establish a governance framework for generative AI applications in finance, including strict adherence to AI algorithm registration systems [6][7]. - The importance of matching AI models to specific financial scenarios is emphasized, alongside the need to address risks associated with AI misuse [7]. - The construction of a high-quality financial data market is essential, focusing on data ownership, pricing, and circulation [7][8].

Core Viewpoint - The article highlights the achievements and strategic initiatives of China Merchants Bank Nanchang Branch in supporting the economic development of Jiangxi province through various financial services and products. Group 1: Financial Contributions and Growth - Since its establishment in May 1998, the bank has invested over 920 billion yuan in credit funds in Jiangxi and contributed over 7 billion yuan in taxes [1] - As of April 2025, the bank's asset scale exceeded 140 billion yuan, ranking first among local joint-stock banks in terms of deposit and loan scale, serving 4.29 million personal clients and 68,000 corporate clients [1] Group 2: Support for Key Industries - In 2024, the bank provided nearly 13 billion yuan in loans to 12 key industrial chains in Jiangxi, with a year-on-year increase of 18.67% in loan balances for five major industries: non-ferrous metals, electronic information, equipment manufacturing, new energy, and pharmaceuticals [2] Group 3: Financial Services for the Real Economy - The bank has established a specialized working group to implement a series of action plans aimed at integrating financial services with the modernization of the industrial system in Jiangxi [3] - It has developed a comprehensive financial service system for technology enterprises, introducing standardized financing products such as "Science and Innovation Loan" and "Government Procurement Loan," serving over 3,200 technology companies [3] Group 4: Green Finance Initiatives - The bank has set up green finance promotion areas in 44 outlets and issued over 3.2 billion yuan in green loans in 2024, supporting the green transformation of the manufacturing industry [4] - It promotes innovative products like "Green Energy Insurance" to provide financial services for renewable energy companies [4] Group 5: Inclusive Finance Efforts - The bank has launched a new operating model for inclusive finance, enhancing service coverage for small and micro enterprises, with over 25,000 clients benefiting from inclusive loans [4] - In 2024, the average pricing of newly issued inclusive loans decreased by over 52 basis points compared to the previous year [4] Group 6: Pension and Elderly Services - The bank provides pension services to over 40 enterprises and has established a one-stop online service area for personal pensions, serving over 200,000 residents [5] - It enhances the online experience for elderly clients and optimizes offline services using portable smart devices [5] Group 7: Digital Finance Strategy - The bank actively implements a digital finance strategy, serving nearly 13,000 enterprises through the "Salary Welfare" platform and over 140 enterprises through the "E-Catering" platform [6] - It has integrated tax data with the Jiangxi Provincial Taxation Bureau to enhance the efficiency of financial services for the real economy [6]

Core Viewpoint - The 2025 Tsinghua Wudaokou Global Financial Forum emphasizes the need for an open and inclusive economic and financial system to enhance resilience amid global economic uncertainties [1][2] Group 1: Economic and Financial Stability - The forum aims to address the challenges posed by a rapidly changing international environment, economic transformations, and technological innovations [1] - Strengthening economic and financial stability is deemed crucial for improving resilience during uncertain times [1] Group 2: China's Role in Global Economy - China has been a major contributor to global economic growth and stability, advocating for true multilateralism and actively participating in global economic governance [1][2] - The country is transitioning from a rule follower to a reformer in global governance, focusing on high-quality development to counter external uncertainties [1] Group 3: Financial Development Initiatives - The Central Financial Work Conference has introduced five key areas for financial development: technology finance, green finance, inclusive finance, pension finance, and digital finance [2] - These areas are seen as new driving forces for high-quality financial development in China [2] Group 4: Forum Significance - The Tsinghua Wudaokou Global Financial Forum, initiated in 2014, has become a significant platform for international academic and policy exchange in finance [2] - This year's forum attracted nearly a hundred high-level political and economic leaders and experts to discuss pressing topics such as the global monetary system and challenges of economic fragmentation [2]

Group 1 - The annual Tsinghua Wudaokou Global Financial Forum took place on May 17, focusing on the theme "Sharing the Future: Building an Open and Inclusive Economic and Financial System" [1] - The forum aims to provide a high-level dialogue platform for global government officials, economists, and financial leaders to explore new paths for economic and financial development amid a complex global economic landscape [1][3] - Tsinghua University Wudaokou School of Finance has successfully held the forum for ten years, establishing itself as a significant international platform for financial academic and policy exchange in China [1] Group 2 - The current global economic landscape is characterized by fragmentation, rising instability, and uncertainty, leading to structural challenges and differentiated risks in economic growth [3] - China has been a major contributor to global economic growth and stability, advocating for true multilateralism and actively participating in global economic governance [3] - The Chinese government is focusing on high-quality development to address external uncertainties, with a new emphasis on five key areas of finance: technology finance, green finance, inclusive finance, pension finance, and digital finance [3][4]