近年来，全球经济格局深度调整，国内经济迈向高质量发展新阶段，金融作为国民经济的血脉，正迎来 战略机遇与转型挑战并存的关键时期。 岁序更替，华章日新。中央金融工作会议明确"加快建设金融强国"的宏伟目标，"金融强国"被首次写入 五年规划建议当中，一系列稳增长、促创新、防风险的政策举措落地见效，货币政策与财政政策的协同 发力，为金融行业改革发展筑牢根基，更为中国金融开辟新赛道、书写新篇章指明了方向。 政策引领方向，实干书写答卷。金融"五篇大文章"的顶层设计已经构起"1+N"政策体系，为行业发展精 准导航。其中，科技金融聚焦高水平科技自立自强，为科创企业注入金融动能；绿色金融锚定"双碳"目 标，助力经济社会全面绿色转型；普惠金融深耕薄弱环节，让金融服务触达千家万户；养老金融呼应人 口老龄化需求，完善民生保障体系；数字金融依托技术革新，重塑金融服务生态。五篇文章相互支撑、 协同发力，成为金融服务实体经济的核心抓手与重要路径。 守正创新，笃行不怠，新征程的画卷正待铺展，让我们满怀热忱与期待，共赴这场盛会，为共同书写中 国金融高质量发展的崭新篇章而凝心聚力、勇毅前行！ 【点击报名参会】 责任编辑：王进和 潮起东方，奋楫争先 ...

□ 在全球数字金融竞争白热化、货币体系加速向数字化深度重构的关键期，我国已构建起顶层设计清 晰、技术基础成熟、产业生态完善等三重优势，为大力发展数字人民币，参与全球数字金融治理、保障 国家金融主权筑牢根基 （一）顺应数智时代新趋势，构建新时代结算体系 数字人民币是我国构建新时代结算体系的重要载体。当今世界，新一轮科技革命和产业变革加速突破， 数字技术依托其高创新性、强渗透性和广覆盖性已成为重塑全球经贸格局与货币体系、驱动产业变革的 先导力量，持续催生新产业、新业态、新模式，同时也对传统结算体系提出更高要求。 □ "十五五"时期应全面完善数字人民币体系化建设。在制度标准方面，提高数字人民币战略定位，加快 顶层立法，构建适配监管体系，加强国际规则制定话语权。在生态建设方面，加强数字人民币技术底座 建设，拓展数字人民币应用场景，优化数字人民币运行生态。在监管体系方面，完善监管体系，提升智 慧监管能力，增强政策透明度 党的二十届四中全会通过的《中共中央关于制定国民经济和社会发展第十五个五年规划的建议》（以下 简称"十五五"规划建议）提出，"稳步发展数字人民币"。当前，我国已在政策顶层设计、技术研发、生 态培育等方面奠 ...

在监管层面，各方一致同意推动设立统一的金融科技监管机构，以简化审批流程、明确监管规则，为创 新企业提供更清晰的发展环境。 斯金融科技论坛主席德席尔瓦表示，本次峰会以闭门圆桌形式与央行等监管机构深入磋商，重点围绕关 键指标、实施路径和阶段目标形成可执行方案，标志着斯数字金融建设正从讨论阶段转向落地实施。 峰会明确，未来将重点推动交通、公共事业收费和中小企业支付等"高现金使用场景"的数字化转型，同 时通过邮局和合作社网络扩大数字金融服务覆盖面，提升全民数字支付可及性。 斯里兰卡《岛报》1月12日报道，2025年首届斯金融科技峰会近日闭幕，政府监管机构与行业代表达成 两项国家级重点行动方向：一是设定明确目标，在三年内将现金流通量占GDP比重从目前的4.5%降至 3.5%；二是推动建立统一的金融科技监管机构，加强行业统筹管理。 ...

Core Insights - Ningbo Bank is positioned for a key transformation period in 2026, focusing on serving the real economy with a customer-centric approach and a comprehensive service system [1] Financial Performance - As of September 2025, Ningbo Bank's total assets reached 3.58 trillion yuan, a 14.50% increase from the beginning of the year [1] - Customer loans and advances amounted to 17.2 trillion yuan, up 16.31% year-on-year, with corporate loans growing by 30.83% [1] - Customer deposits totaled 2 trillion yuan, reflecting an 11.52% increase from the start of the year [1] - For the first nine months of 2025, the bank reported operating income of 55 billion yuan, an 8.32% year-on-year growth, and a net profit attributable to shareholders of 22.4 billion yuan, up 8.39% [1] - The annualized weighted average return on equity stood at 13.81%, with basic earnings per share of 3.35 yuan, a growth of 8.77% [1] - By the end of Q3, operating cash flow per share reached 33.68 yuan, a significant increase of 78% year-on-year [1] Service and Product Development - Ningbo Bank has established a multi-dimensional and differentiated service system, with foreign exchange trading volume reaching 72 billion USD in the first half of 2025 [2] - Wealth management clients reached 12.31 million, with private banking assets under management totaling 358.5 billion yuan [2] - The bank's digital transformation includes the upgrade of its treasury management system and the launch of new digital products, enhancing service efficiency [2] - As of June 2025, the bank's wealth management product scale was 601.1 billion yuan, and its international settlement volume was 158 billion USD, a 19% increase year-on-year [2] Risk Management and Asset Quality - As of September 2025, Ningbo Bank maintained a non-performing loan ratio of 0.76%, with a provision coverage ratio of 376% [3] - The capital adequacy ratios are robust, with a core tier 1 capital ratio of 9.21%, a tier 1 capital ratio of 10.70%, and a total capital ratio of 14.62% [3] Strategic Focus - In 2026, Ningbo Bank aims to enhance its customer-centric approach, providing comprehensive financial services to support clients in asset management and risk management [4] - The bank plans to leverage digital systems and open banking to improve operational efficiency and support high-quality development for clients [4] - Ningbo Bank is committed to comprehensive risk management and sustainable development, aiming to create more value for society, shareholders, and customers [4]

近日，中央财经大学与社会科学文献出版社联合发布《数字金融蓝皮书：中国数字金融创新发展报告 (2025)》。《报告》指出，数字人民币试点地区范围和使用规模继续扩大，应用领域不断扩展。截至 2024年10月，数字人民币试点范围已覆盖17个省(市)。截至2024年7月末，数字人民币APP累计开立个人 钱包1.8亿个，试点地区累计交易金额7.3万亿元。 从覆盖区域来看，在北京，截至2024年10月20日，北京市辖区内累计开立数字人民币钱包2255.5万个， 落地场景69.3万个；京东、美团、滴滴等线上主流消费平台均支持数字人民币支付，线上"食、住、 行、游、购、娱"等应用场景实现全覆盖。在深圳，截至2024年9月末，深圳地区数字人民币钱包数量较 年初增加超600万个，累计流通业务金额较上年同期增长超80%。从应用场景来看，数字人民币已从批 发零售、餐饮文旅等传统领域，进一步延伸至教育医疗、城市治理等多个新兴领域。例如，在雄安新 区，数字人民币应用于公交领域的硬件钱包双离线支付、农民工工资全链条穿透式支付、自动兑付科技 创新券等创新场景，并成功实现首批数字人民币租房补贴及数字货币桥交易场景验证。在苏州，累计落 地应用场 ...

专题：金麒麟论坛 · 2025金融新启航 近年来，全球经济格局深度调整，国内经济迈向高质量发展新阶段，金融作为国民经济的血脉，正迎来 战略机遇与转型挑战并存的关键时期。 岁序更替，华章日新。中央金融工作会议明确"加快建设金融强国"的宏伟目标，"金融强国"被首次写入 五年规划建议当中，一系列稳增长、促创新、防风险的政策举措落地见效，货币政策与财政政策的协同 发力，为金融行业改革发展筑牢根基，更为中国金融开辟新赛道、书写新篇章指明了方向。 政策引领方向，实干书写答卷。金融"五篇大文章"的顶层设计已经构起"1+N"政策体系，为行业发展精 准导航。其中，科技金融聚焦高水平科技自立自强，为科创企业注入金融动能；绿色金融锚定"双碳"目 标，助力经济社会全面绿色转型；普惠金融深耕薄弱环节，让金融服务触达千家万户；养老金融呼应人 口老龄化需求，完善民生保障体系；数字金融依托技术革新，重塑金融服务生态。五篇文章相互支撑、 协同发力，成为金融服务实体经济的核心抓手与重要路径。 潮起东方，奋楫争先，值此行业变革与政策赋能的交汇点，新浪财经将于2026年1月15日举办"第18届金 麒麟论坛·金融新启航"。本届论坛聚焦银行与保险两大核 ...

Core Viewpoint - The establishment of the Financial Trusted Data Space Laboratory in Jiangsu marks a significant step in the digital finance sector, providing robust support for the construction of a strong financial province [1] Group 1: Purpose and Function of the Laboratory - The laboratory aims to address data silos and circulation barriers, facilitating financing for small and micro enterprises and promoting the deep integration of digital technology with the real economy [1] - It is designed as a data circulation infrastructure based on consensus rules, connecting multiple stakeholders to achieve shared use of data resources [1] Group 2: Technological and Collaborative Framework - The laboratory will utilize cutting-edge technologies such as privacy computing, blockchain, and data sandboxes to eliminate data circulation bottlenecks [2] - It will establish a cross-institutional collaboration network characterized by "multi-level governance, clear responsibilities, and controllable security" to enhance the value of data elements [2] Group 3: Goals and Expectations - The laboratory is expected to enhance the efficiency of financial services to the real economy by empowering data elements, innovating digital financial products, and creating an open collaborative platform [2] - Jiangsu Bank expresses optimism about the laboratory's potential to explore new models and paths for data-enabled high-quality financial development [2]

Core Viewpoint - The global economic landscape is undergoing significant adjustments, and the domestic economy is entering a new stage of high-quality development, presenting both strategic opportunities and transformation challenges for the financial sector [3][6]. Policy and Strategic Framework - The Central Financial Work Conference has set the ambitious goal of "accelerating the construction of a financial power," marking the first time this has been included in the five-year planning recommendations [7]. - A series of policies aimed at stabilizing growth, promoting innovation, and preventing risks have been implemented, with coordinated monetary and fiscal policies laying a solid foundation for the reform and development of the financial industry [7]. - The "1+N" policy system has been established, focusing on five key areas: - Technological finance to support high-level self-reliance in technology and inject financial momentum into innovative enterprises [7]. - Green finance targeting carbon neutrality goals to assist in the comprehensive green transformation of the economy and society [7]. - Inclusive finance to reach underserved segments, ensuring financial services are accessible to all [7]. - Pension finance addressing the needs of an aging population to improve the social security system [7]. - Digital finance leveraging technological innovation to reshape the financial service ecosystem [7]. Upcoming Events - Sina Finance will host the "18th Golden Unicorn Forum: Financial New Start" on January 15, 2026, focusing on the banking and insurance sectors [8]. - The forum will address two main topics: "Banking New Start: Enhancing Financial Quality and Efficiency to Support High-Quality Economic Development" and "Insurance New Start: Reshaping Value Ecology through Core Return" [8]. - Regulatory leaders, industry leaders, and scholars will gather to contribute insights for the transformation and development of the financial industry [8].

Core Insights - The article discusses the transformation of digital finance driven by advanced technologies such as big data, artificial intelligence, and blockchain, moving from "connected finance" and "intelligent finance" to "trusted finance" [1] - It highlights the Chinese government's initiatives to accelerate innovation in artificial intelligence and digital technologies, aiming to establish a modern financial system that aligns with the digital economy by 2027 [1][2] - The evolution of digital finance in China is characterized by a shift from quantity-driven growth to quality-driven development, emphasizing the importance of meeting the public's aspirations for better financial services [2] Group 1: Digital Finance Development - Digital finance in China has evolved from early electronic finance to internet finance and now to a quality-oriented digital finance ecosystem, reflecting the adaptability of production relations driven by technology [2] - The introduction of digital currency by the People's Bank of China serves as a foundational infrastructure for digital finance, optimizing financial markets and preventing financial crimes [2] - The 20th National Congress of the Communist Party of China has established the goal of building a strong financial nation, positioning digital finance as a core component of the mainstream financial system [2] Group 2: Technological Innovations - Advanced technologies such as quantum technology, generative artificial intelligence, and virtual reality are reshaping the underlying architecture and service models of digital finance [4] - The rapid iteration of large model technologies is driving the evolution of digital finance, enhancing capabilities in customer service, risk management, and transaction processing [5] - Privacy-enhancing computation technologies are enabling data value circulation while ensuring data security, supporting risk assessment and targeted marketing in financial institutions [5] Group 3: Financial Services and User Experience - Virtual reality technology is transforming user interactions with financial services, providing immersive experiences and enhancing remote financial service delivery [6] - Quantum technology offers efficient solutions for complex financial calculations, improving risk assessment and investment portfolio optimization [6] - Multi-modal biometric authentication technologies are being developed to enhance security and convenience in identity verification for emerging financial scenarios [6] Group 4: Data Integration and Asset Management - Data is recognized as a core production factor in the digital economy, with policies promoting the integration of data elements into financial services to enhance the level of service to the real economy [8] - High-quality financial data sets are essential for the development of digital finance, enabling compliance, risk management, and operational efficiency [9] - The establishment of a trusted data space is crucial for secure data circulation, addressing safety and trust issues in the development of digital finance [9] Group 5: Future Development Paths - The future of digital finance will focus on five development paths: integration of industry and technology, inclusive services, digital infrastructure, original innovation, and open collaboration [11] - The integration of advanced technologies in financial services aims to enhance service delivery and operational efficiency, while also addressing social financing issues [14] - Open collaboration in the financial ecosystem will facilitate cross-border cooperation and the development of innovative financial products for international investors [16]

医疗险服务方面，中国人寿通过科技手段简化理赔流程，实现便捷服务直达民心。持续深化理赔直付服 务，将医疗数据与保险理赔服务场景深度融合，在依法合规的前提下，通过主动获取客户诊疗数据，为 客户提供赔案快速处理、保险金快速给付的新型理赔服务模式，全年理赔直付服务817万人次，理赔金 额超43亿元。其中一站式结算服务"出院即可赔"服务530万人次，理赔金额近16亿元，实现"免报案、免 申请、免资料、免临柜、免等待"无感服务。部分地区率先启动快赔服务，提交理赔申请最快仅需8秒， 服务客户超9万人。 2025年，中国人寿理赔总件数超6224万件，同比增长7%，理赔总金额超1004亿元，同比增长10%，其 中健康保险责任理赔金额超788亿元。在身故、医疗、重疾、伤残四大维度赔付占比分别为18.7%、 60.6%、17.9%和2.8%。从身故保障的托底到医疗保险的护航，从重疾赔付的纾困到伤残保障的支撑， 用千万份保单书写民生答卷，让健康保障的阳光照亮万千家庭。 过去的一年，中国人寿深化无纸化理赔改革，减免提交纸质申请资料超5121万件，占比超80%，超75% 赔案可在资料齐全后1小时到账，让便捷服务省时更省心。 秉持"普惠保 ...