12月26日，金融监管总局公开发布《银行业保险业数字金融高质量发展实施方案》（下称《方案》）， 提出银行业保险业高质量推进数字金融服务的八个重点领域，涵盖支持科技型企业创新成长、服务先进 制造业发展、深化小微企业金融服务等；同时，要求金融机构充分发挥人工智能等新技术创新引领作 用、有效激发数据要素潜能。 2022年1月，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》(下称《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，其核心在于为金融机构提供监管指引。金融监管总局有 关司局负责人指出，《意见》与《方案》构成递进关系，后者是前者的深化与升级，两者共同构建了数 字金融发展的监管政策框架。 支持科技型企业创新成长位列八大领域首位 具的应用能力，建设智能监管人才梯队。 作为金融机构深化数字化转型的指引文件，《方案》结合当前发展形势，新增了"人工智能+""数据要素 ×"等工作内容。例如，在人工智能技术飞速发展的背景下，《方案》鼓励有条件的金融机构构建企业 级人工智能平台，通过集中管理模型开发、部署与评估流程，提升人工智能建模及安全应用能力。积极 探索量子计算、区块链、隐私计算等前沿技术在金融场景 ...

支持科技型企业创新成长位列八大领域首位 具体来看，本次《方案》首先要求金融机构科学统筹制定数字金融发展规划、建设数字化运 营体系、建设数字型组织体系、建立数字人才体系等，建立健全数字金融治理机制。 2022年1月，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》(下称《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，其核心在于为金融机构提供监管指 引。金融监管总局有关司局负责人指出，《意见》与《方案》构成递进关系，后者是前者的 深化与升级，两者共同构建了数字金融发展的监管政策框架。 同时，进一步明确了推进数字金融服务的八个重点领域：支持科技型企业创新成长、服务先 进制造业发展、助力绿色经济发展、深化小微企业金融服务、在民生服务领域开发有针对性 的数字金融产品、服务乡村振兴、支持落实国家重大区域发展战略、支持贸易数字化。 其中，支持科技型企业创新成长在各重点领域居首位。《方案》提出，要围绕科技型企业"两 高一轻"特点，建立科创大数据集为企业识别画像。合理运用智能审批授信模型提高审批效 率，对未通过线上审批的客户提供线下补充申请渠道。探索发展数据资产、网络安全等相关 保险业务，为科技创新应用提 ...

人工智能如何驱动金融创新？数据要素如何释放价值潜能？转型风险如何有效管控？针对数字金融发展 的核心议题，12月26日，国家金融监督管理总局发布《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》），旨在推动银行业保险业数字金融高质量发展。 出台背景： 金融机构数字化转型仍面临挑战 2023年10月，中央金融工作会议对做好数字金融等"五篇大文章"作出重要部署，提出"数字金融要把握 机遇、重视安全。金融机构要加快数字化转型，提高金融服务便利性和竞争力"。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》，为数字金融的发展指明了方向。 谈及《方案》出台的背景，国家金融监督管理总局有关司局负责人表示，近年来，我国金融机构推动数 字化转型取得明显成效，但在实践中还面临一些困难和挑战，如不同机构在数字金融治理、数字金融服 务、新技术应用、发挥数据要素潜能、有效防范数字化环境下的风险等方面还存在不足。对此，金融监 管总局制定《方案》，明确相关指导原则，鼓励和引导银行业保险业加快发展数字金融，赋能金融服务 提质增效，助力数字经济建设，有效防范相关风险，推动数字金融高质量发展。 据介绍，《方案 ...

Core Viewpoint - The implementation plan for the high-quality development of digital finance in the banking and insurance sectors emphasizes the need for digital and intelligent transformation in regulatory practices, aiming to enhance regulatory capabilities through technology and data utilization [3][4]. Group 1: Background and Context - The plan is a response to the Central Financial Work Conference's directive on digital finance, which highlights the importance of seizing opportunities while ensuring security in financial services [4]. - The plan aims to address challenges faced by financial institutions in digital governance, service delivery, and risk prevention, thereby promoting high-quality development in digital finance [4]. Group 2: Relationship with Previous Guidelines - The plan builds upon the previous guidelines issued in January 2022, which focused on strategic planning and organizational processes for digital transformation in financial institutions [5]. - It introduces new elements such as "Artificial Intelligence+" and "Data Elements×", expanding the scope of digital finance development and regulatory requirements [5]. Group 3: Key Areas for Digital Financial Services - The plan identifies eight key areas for advancing digital financial services, including support for technology-driven enterprises, advanced manufacturing, green economy, small and micro enterprises, and rural revitalization [6]. - It emphasizes the need for tailored financial products in public services and the integration of digital finance in trade and regional development strategies [6]. Group 4: Role of New Technologies - The plan encourages the development of "Artificial Intelligence+Finance" and the establishment of enterprise-level AI platforms to enhance modeling and application capabilities [7]. - It calls for improved technology research and development capabilities, advocating for a market-oriented approach to technology sharing among financial institutions [7]. Group 5: Data Utilization and Governance - The plan outlines requirements for enhancing data governance and management within financial institutions, focusing on compliance and risk prevention [8]. - It promotes the establishment of a secure and trustworthy data ecosystem, encouraging the sharing and utilization of cross-industry data while ensuring data security [8]. Group 6: Risk Management in Digital Finance - The plan stresses the importance of strategic risk management during digital transformation, ensuring alignment with institutional development strategies and risk control capabilities [9]. - It advocates for the construction of intelligent risk management systems and the enhancement of AI application safety [9]. Group 7: Regulatory Digital Transformation - The plan integrates regulatory digital transformation as a key focus, aiming to enhance the digital and intelligent capabilities of regulatory practices [10]. - It emphasizes the need for improved data standards and management in regulatory reporting, as well as the establishment of a robust regulatory infrastructure [11].

智通财经APP获悉，12月26日，国家金融监督管理总局办公厅印发《银行业保险业数字金融高质量发展 实施方案》的通知。通知提出，未来五年，银行业保险业数字金融发展的主要目标是数字化转型取得积 极进展，数字技术的驱动支撑能力和数据要素的价值转化能力显著增强，在数字金融治理、数字金融服 务、数字技术应用、数据要素开发、数字风险防控等方面取得显著进步。 深入探索挖掘数字技术和数据要素创新应用场景，持续提升对科技、绿色、普惠、养老等重点领域的金 融服务质效，加大对重大战略、重点领域、薄弱环节的金融支撑，形成一批可复制推广的数字金融良好 实践，推动资源配置更加优化，促进金融服务扩面、提质、增效；高效推动监管数字化智能化转型，提 升监管穿透能力，全面支撑"五大监管"能力建设，助力金融监管"长牙带刺"、有棱有角。. 原文如下： 银行业保险业数字金融高质量发展实施方案 为贯彻落实中央经济工作会议、中央金融工作会议精神，按照《关于做好金融"五篇大文章"的指导意 见》（国办发〔2025〕8号）和《关于银行业保险业做好"五篇大文章"的指导意见》（金发〔2024〕11 号）有关要求，鼓励和引导银行业保险业加快发展数字金融，充分发挥数字 ...

Core Viewpoint - Inspur Software's stock price has shown volatility, with a year-to-date increase of 25.61% but a recent decline of 25.93% over the past 20 days, indicating mixed performance in the market [1][2]. Group 1: Stock Performance - On December 26, Inspur Software's stock rose by 2.16%, reaching 18.00 CNY per share, with a trading volume of 334 million CNY and a turnover rate of 5.79% [1]. - The stock has experienced a net inflow of 24.79 million CNY from major funds, with significant buying and selling activity from large orders [1]. - The stock has appeared on the "龙虎榜" (a trading leaderboard) nine times this year, with the most recent appearance on December 3, showing a net buy of -93.44 million CNY [1]. Group 2: Financial Performance - For the period from January to September 2025, Inspur Software reported a revenue of 727 million CNY, a year-on-year decrease of 29.61%, and a net profit attributable to shareholders of -211 million CNY, down 122.78% [2]. - The company has distributed a total of 234 million CNY in dividends since its A-share listing, with 21.07 million CNY distributed over the past three years [3]. Group 3: Shareholder Information - As of September 30, 2025, Inspur Software had 66,500 shareholders, a decrease of 6.32% from the previous period, with an average of 4,871 circulating shares per person, an increase of 6.74% [2]. - The third-largest circulating shareholder is Hong Kong Central Clearing Limited, holding 2.35 million shares as a new shareholder, while 财通资管数字经济混合发起式A remains the fourth-largest with 2.16 million shares unchanged [3]. Group 4: Business Overview - Inspur Software, established on November 7, 1994, and listed on September 23, 1996, is primarily engaged in software development and system integration for digital government, tobacco, and other industries [1]. - The company's main business revenue composition is 99% from software and system integration, with 1% from other sources [1].

Core Viewpoint - The stock of Shenzhen Institute of Building Science Co., Ltd. (建科院) has shown fluctuations, with a recent increase of 2.06% on December 26, 2023, despite a year-to-date decline of 1.55% [1][2]. Group 1: Stock Performance - As of December 26, 2023, the stock price reached 15.86 CNY per share, with a trading volume of 42.68 million CNY and a turnover rate of 1.87%, resulting in a total market capitalization of 2.326 billion CNY [1]. - The stock has experienced a 2.12% increase over the last five trading days, an 8.48% decline over the last 20 days, and a 4.48% increase over the last 60 days [2]. Group 2: Financial Performance - For the period from January to September 2025, the company reported a revenue of 171 million CNY, representing a year-on-year decrease of 31.35%, and a net profit attributable to shareholders of -69.91 million CNY, a decline of 102.73% year-on-year [2]. - Cumulatively, the company has distributed 91.67 million CNY in dividends since its A-share listing, with 23.47 million CNY distributed over the last three years [3]. Group 3: Shareholder Information - As of December 19, 2023, the number of shareholders decreased by 2.39% to 14,600, with an average of 10,050 circulating shares per shareholder, an increase of 2.45% [2]. - Notable institutional holdings include Noan Multi-Strategy Mixed A (320016) as the fifth largest shareholder with 1.0411 million shares, an increase of 356,100 shares from the previous period, and CITIC Prudential Multi-Strategy Mixed (LOF) A (165531) as a new tenth largest shareholder with 588,200 shares [3].

Group 1 - The core viewpoint of the news is that Yihualu's stock has experienced significant fluctuations, with a year-to-date decline of 27.95% and a recent increase of 3.88% over the last five trading days [1] - As of December 10, Yihualu's revenue for the first nine months of 2025 was 415 million yuan, a year-on-year decrease of 3.91%, while the net profit attributable to shareholders was -535 million yuan, an increase of 12.78% year-on-year [2] - The company has a market capitalization of 12.137 billion yuan and has seen a net inflow of main funds amounting to 1.322 million yuan on December 26 [1] Group 2 - Yihualu's main business involves providing intelligent traffic management solutions through its self-developed integrated command platform software ATMS, with revenue composition of 59.45% from digital systems and 40.55% from data operations and services [2] - The company has not distributed any dividends in the last three years, with a total payout of 415 million yuan since its A-share listing [3] - As of September 30, 2025, the top ten circulating shareholders include notable funds such as E Fund's Growth ETF and Noan Growth Mixed A, with some shareholders reducing their holdings [3]

Core Insights - The article emphasizes the importance of advancing the construction of a digital China as outlined in the 15th Five-Year Plan, highlighting its role in enhancing new productive forces and national competitiveness [2][3][4]. Group 1: Data as a Key Factor - Data elements are increasingly recognized as crucial for developing new productive forces, with national data production expected to reach 41.06 zettabytes in 2024 and the data industry projected to scale up to 5.86 trillion yuan [3]. - The plan includes tasks to improve the foundational data system, establish a unified data market, and enhance the development and utilization of data resources, aiming to activate the multiplier effect of data elements [3][4]. Group 2: Role of Intelligent Technology - Intelligent technologies, particularly artificial intelligence, are identified as vital for fostering new productive forces, with initiatives to accelerate AI innovation and integration into various sectors [3][4]. - The strategy aims to leverage AI to create new business models and enhance overall productivity, positioning China favorably in global technological competition [3][4]. Group 3: Digital Economy as a Driving Force - The digital economy is becoming a significant economic form, with the integration of data elements into various industries leading to new production models and organizational changes [4]. - The plan calls for deepening the integration of the digital economy with the real economy, fostering new industries and competitive advantages [4]. Group 4: Smart Transformation Across Sectors - The article discusses the rapid penetration of intelligent technologies into various fields, including economy, politics, culture, and social services, emphasizing the need for a smart transformation in public services to enhance accessibility and quality [5][6]. - The strategy includes deploying smart technologies to improve public services, education, healthcare, and other sectors, ensuring equitable access to digital resources [6]. Group 5: Strengthening Data Infrastructure and Market - The plan outlines the need to establish a robust data infrastructure and improve data market mechanisms to facilitate efficient data circulation and utilization [8][9]. - It emphasizes the importance of creating a conducive environment for data trading and fostering a vibrant data industry ecosystem [9][10]. Group 6: International Cooperation in Data Governance - The strategy highlights the importance of international cooperation in data governance, advocating for the establishment of global data governance rules and enhancing mutual trust in data policies with key countries [10].

Core Viewpoint - The article discusses the strategic task of "deepening the construction of Digital China" as outlined in the "Suggestions for the 15th Five-Year Plan" approved by the 20th Central Committee, emphasizing the role of data elements and intelligent technology in driving new productive forces and economic development [1][2]. Group 1: Data Elements and New Productive Forces - Data elements are increasingly recognized as crucial for developing new productive forces, with national data production expected to reach 41.06 zettabytes in 2024 and the data industry scale projected to hit 5.86 trillion yuan [3]. - The Suggestions call for the establishment of a national integrated data market and the deepening of data resource development and utilization, aiming to enhance the market-driven allocation of data elements [3][4]. Group 2: Intelligent Technology - Intelligent technology, particularly artificial intelligence, is highlighted as a key driver for new productive forces, with initiatives to accelerate AI innovation and implementation [4][5]. - The Suggestions emphasize the need for integrating AI with industry to foster new business models and enhance overall productivity, positioning China favorably in global technological competition [4][5]. Group 3: Digital Economy - The digital economy is identified as a significant economic form, with the integration of data elements into various industries leading to personalized and flexible production models [4][6]. - The Suggestions outline strategic tasks to promote the deep integration of the real economy and digital economy, aiming to cultivate new industries and advantages in the digital economy [4][6]. Group 4: Empowerment through Digitalization - The article discusses the role of digitalization in enhancing public services, aiming to bridge gaps in resource distribution and improve access to quality services for all citizens [6][7]. - The Suggestions propose leveraging digitalization in various sectors, including education and healthcare, to ensure equitable access to services and improve the quality of life for the populace [6][7]. Group 5: Data Infrastructure and Market Development - The national data bureau plans to enhance the data infrastructure and establish a comprehensive data market to support the effective circulation and utilization of data elements [7][8]. - Key initiatives include improving data property rights, promoting data trading, and fostering a vibrant data industry ecosystem [7][8]. Group 6: International Cooperation - The article emphasizes the importance of international cooperation in data governance and the establishment of cross-border data flow models [9]. - The Suggestions advocate for engaging in global dialogues on digital policies and enhancing mutual trust in data management with key countries [9].