Core Insights - The People's Bank of China announced the winners of the 2024 Financial Technology Development Award, with CITIC Futures and CITIC Securities receiving second and third prizes for their innovative projects, highlighting their commitment to technological innovation in the financial sector [1][3]. Group 1: Award Recognition - CITIC Futures and CITIC Securities were awarded the second and third prizes for their projects "Intelligent Futures Service Platform Based on Multi-Modal Large Models" and "Omni-Channel Hyper-Converged Intelligent Communication Platform" respectively [1]. - This recognition reflects the companies' adherence to the central government's strategy on technological innovation and their efforts to enhance digital financial services [1][3]. Group 2: Project Details - The "Intelligent Futures Service Platform" integrates AI and large model technologies to achieve intelligent management of the entire futures business process, ensuring compliance, data security, and operational convenience [1][2]. - The platform's intelligent customer service module enhances service efficiency by integrating comprehensive financial service capabilities, including intelligent Q&A and knowledge base functions [1][2]. Group 3: Technological Advancements - The "Omni-Channel Hyper-Converged Intelligent Communication Platform" addresses challenges in the futures communication business, such as redundant module construction and data silos, by creating an innovative solution with industry demonstration significance [2][3]. - The project employs a full-stack self-innovation architecture and multi-layered security defense systems to enhance information security and business intelligence levels [3]. Group 4: Future Outlook - CITIC Futures aims to continue driving development through technological innovation, enhancing its ability to serve the real economy, and contributing to the high-quality development of the futures industry [3].

但消费者在享受到数字金融带来的便捷服务的同时，其个人身份信息、交易数据、行为偏好等敏感信息 也被大量采集和利用。一旦隐私保护不到位，不仅可能导致消费者个人信息泄露、财产损失，更会侵蚀 消费者对数字金融体系的信任，进而动摇整个行业发展的根基。因此，切实保护好消费者隐私，是数字 金融实现健康、可持续发展的根本前提。 同时，行业协会要加强自律，通过制定行业公约、开展培训交流等方式，引导成员单位提升隐私保护意 识和能力，共同营造健康有序的市场环境。 此外，消费者自身也要提升隐私保护意识和技能，熟悉和了解个人信息保护的相关法律法规，在授权个 人信息时保持审慎，并学会运用法律武器维护自身合法权益。 在人工智能迅速发展、数字金融的创新浪潮奔涌向前的当下。唯有把消费者隐私保护这把"安全锁"拧紧 拧牢，让技术创新在合规的轨道上运行，数字金融才能真正行稳致远，更好地服务于实体经济，满足人 民日益增长的美好生活需要。 （文章来源：证券日报） 当前，我国在数字金融隐私保护方面已初步建立起法律框架，为数字金融领域的隐私保护提供了制度遵 循。未来，为了进一步织密消费者隐私"防护网"，仍需要多方携手，共同发力。 对于监管部门来说，要持续完 ...

■本报记者 田耿文 当前，数字经济快速崛起，为金融创新发展提供了契机。在此背景下，我国银行业金融机构以数字化转 型为核心驱动力，通过科技与业务的深度融合，全力提升数字金融服务能力。 以移动营销PAD 打造普惠金融服务新模式 数字金融的发展显著提升了金融的普惠性和服务便利性。 "在农行办贷真是太方便了！当场就能知道我能贷多少，并且钱很快就能到账。"在居住社区体验了农行 普洱分行的信贷服务后，王先生感叹道。 据悉，农行普洱分行推广应用移动营销PAD，开展网捷贷"进社区"营销，以网捷贷产品为切入口，客户 经理依托PAD对优质客群开展"进社区"营销。该分行充分利用PAD现场自动核额，快速审批入库，线上 签约用款，通过现场调查采集客户信息，利用"数据+模型"实现客户风控核查和预授信前置，现场告知 客户预计可贷额度。在PAD受理完成后，提交信贷中台快速作业，提升客户办贷体验，在为客群提供便 捷高效的消费信贷服务的同时，还能有效提升智能风控水平。 该分行通过PAD进行资料在线采集、现场OCR识别、电子签名、电子围栏、档案自动上传等操作，实现 人工复核电子化和无纸化，操作步骤和耗时减半，提升办贷效率，提高业务合规性。 "后续 ...

11月28日，由中国证券报主办，华鑫证券、西岸集团联合承办，深圳数据经济研究院提供独家学术支持的"2025量 化行业高质量发展大会暨金融科技·量化机构金牛奖颁奖典礼"在上海徐汇西岸举行。华鑫证券党委书记、董事长 俞洋在致辞中表示，量化投资的发展已站在新的历史起点，唯有将创新精神融入行业血脉，将责任担当刻入发展 基因，方能行稳致远。 作为2025证券业金牛奖的重要组成部分，在本次活动上，金融科技·量化机构金牛奖也同步揭晓。俞洋表示，金牛 奖作为行业标杆，不仅是对优秀量化机构创新能力、专业成果的展示，更是对行业坚守责任、合规经营的激励。 期待获奖机构发挥标杆作用，带动更多同行以创新不越界、担当不缺位的姿态，推动行业高质量发展。 展现蓬勃发展活力与创新动能 放眼全球，量化投资已有半个多世纪的演进，从理论探索到规模化、系统化应用，一定程度上影响着资本市场的 运行生态。俞洋表示，我国量化投资虽起步相对较晚，但依托庞大的市场容量、持续进步的金融科技以及日益完 善的监管环境，展现出蓬勃的发展活力与创新动能，量化投资正迎来以创新提质、责任筑基为特征的黄金发展 期，创新与责任在资本市场中的价值体现日益突出。 "技术创新正筑牢金 ...

Core Viewpoint - Gansu Bank has launched its new mobile banking version 8.0, emphasizing digital finance and customer needs, aiming to provide safer, more convenient, and warmer mobile financial services [1] Group 1: Service Features - The new mobile banking 8.0 integrates a one-stop service for retirement planning, pension inquiries, and policy interpretations, covering the entire lifecycle from young savings to retirement [2] - A new "certificate aggregation" feature allows users to consolidate their certificates in the mobile app, with automatic maturity reminders and real-time interest calculations for easier asset management [2] - The app collaborates with UnionPay to offer exclusive service areas for local life scenarios, including payment discounts, fuel recharges, and ride-hailing services [2] Group 2: User Experience Enhancements - The app provides a comprehensive view of personal accounts, managing deposits, investments, insurance, and loans, with frequently used functions optimized for easy access on the homepage [3] - A large cash withdrawal appointment feature allows users to select the branch and time online, eliminating the need to queue for in-person services [3] - The bank has developed a service chain based on customer segmentation, offering personalized benefits such as birthday gifts and holiday payment discounts [3] Group 3: Security Measures - AI facial recognition technology enables instant identity verification regardless of lighting or network conditions, enhancing transaction security [4] - Real-time monitoring of mobile threats provides immediate risk alerts, ensuring a secure transaction environment [4] - The updated privacy policy uses plain language to explain permissions, ensuring users are informed about their personal information usage [4] Group 4: Technological Integration - The app integrates Huawei's native smart features, introducing exclusive "small card" and "tap to share" functionalities for HarmonyOS users [5] - Desktop small cards display balance and payment information without needing to open the app, enhancing user convenience [5] - The bank aims to deliver seamless digital financial services across various regions, maintaining a commitment to collaboration, intelligence, and openness [5]

此次获奖是行业对威海银行数字金融创新实践的认可，更是威海银行持续深化消费金融服务的新起点。 未来，威海银行将继续以数字技术为引擎，紧密围绕消费提质升级需求，在产品创新、场景拓展与服务 优化等方面持续发力，进一步扩大金融服务覆盖面，降低消费融资成本，让金融服务更广泛、更精准地 惠及民生消费各领域，为推动经济高质量发展注入更强劲的金融动能。 本次活动聚焦"五篇大文章""消费与经济""数字与科技""风控与治理"等四大关键领域，吸引了近60家金 融机构的百余件案例参与角逐。经过公开征集、人气投票、专家评审及AI评估等多轮严格筛选，一批 具有行业引领性的优秀案例脱颖而出。威海银行申报的案例在产品创新、场景融合等方面表现突出，得 到评审委员会的高度认可。 作为数字金融的坚定践行者，威海银行始终秉持"金融为民"理念，积极响应国家提振消费政策导向，以 科技赋能多元消费场景。此次获奖案例"高速车主卡，'信'运加速"，融合ETC通行与信用卡消费双场 景，通过"0元送设备"及高速公路通行优惠等举措，形成了"硬件保障+长期权益"吸引力，将金融工具转 化为客户的"出行伙伴"，切实达成"通行省时、用车省钱、支付省心"的便民体验。 近日， ...

Core Insights - Delin Holdings Group reported significant financial growth, with a net profit of HKD 202 million, a year-on-year increase of 2511%, and main revenue of HKD 118 million, up 43% [2] - The company has made substantial progress in four key areas: asset digitization, digital asset investment, global top-tier real estate investment, and global market expansion [2] Group 1: Financial Performance - The company achieved a net profit of HKD 202 million, marking a 2511% increase year-on-year [2] - Main revenue reached HKD 118 million, reflecting a 43% growth compared to the previous period [2] - Other income surged to HKD 194 million, a 528% increase [2] Group 2: Asset Digitization - Delin Holdings initiated the tokenization process for its physical asset, Delin Tower, valued at HKD 500 million, with a tokenized value of HKD 60 million [2] - The tokenization plan for the luxury real estate project ONE Carmel, valued at HKD 312 million, aims to innovate shareholder return models, with special dividends planned for shareholders [2][6] - The company completed the tokenization of equity stakes in tech firms like ByteDance and Kraken, valued at nearly HKD 40 million [2] Group 3: Digital Asset Investment - The group invested HKD 320 million in high-performance mining machines and plans an additional HKD 800 million in digital asset investments, including HKD 560 million in computing power and HKD 240 million in gold digital assets [3] - A partnership with Antalpha has progressed, with an initial investment of nearly HKD 40 million in gold tokens completed [3] - Continuous investment in NeuralFin has resulted in a platform valuation of HKD 546 million, with plans for a U.S. listing [3] Group 4: Global Top-tier Real Estate Investment - The luxury real estate project ONE Carmel in California has received a sales white paper from the California Bureau of Real Estate, passing over 300 strict government approvals [5] - The land valuation for ONE Carmel exceeds HKD 1.56 billion (approximately USD 200 million), with an expected total development value exceeding HKD 15.6 billion (approximately USD 2 billion) [5] Group 5: Global Market Expansion - The group subscribed to new shares of Swiss-listed Youngtimers AG for up to USD 12 million, becoming its largest institutional shareholder, thus expanding its business network to Zurich and Sydney [5] - The company is actively converting physical assets into direct shareholder benefits through innovative digital financial methods, including special dividends from tokenized assets [6] Group 6: Commitment to Shareholders - Major shareholders have committed to lock their shares for 12 months, ensuring no reduction during this period [6] - The company has implemented a stock incentive strategy, utilizing 160 million shares for core team incentives without diluting existing shareholder equity [6] - The CEO emphasized the commitment to financial equality and inclusive finance through the tokenization of scarce assets [7]

Core Viewpoint - The article emphasizes the importance of finance as a vital component of national economic strength and highlights the Chinese government's commitment to developing five key areas of finance: technology finance, green finance, inclusive finance, pension finance, and digital finance, as outlined by President Xi Jinping [2][4][12]. Group 1: Financial Development Strategies - The Chinese government aims to deepen the understanding of the essence of socialist finance with Chinese characteristics, focusing on serving the real economy, risk prevention, and promoting financial innovation [3][9]. - The "five major articles" in finance are identified as key areas for high-quality financial development, which include technology finance, green finance, inclusive finance, pension finance, and digital finance [12]. Group 2: Policy Implementation and Achievements - Recent years have seen the introduction of various policies and frameworks to support the development of the "five major articles," including the establishment of a 200 billion yuan technology innovation relending program and a 5,000 billion yuan technology innovation and transformation relending program [5][6]. - By the end of September 2023, technology loans accounted for 30.5% of all new loans, with a year-on-year growth of 22.3% in loans to technology SMEs, significantly outpacing overall loan growth [7]. Group 3: Sector-Specific Developments - The green finance sector has seen a loan balance of 43.5 trillion yuan, with a year-on-year increase of 22.9%, and a total issuance of green bonds reaching 4.9 trillion yuan [7]. - Inclusive finance has expanded from simple credit offerings to a comprehensive service model that includes credit, insurance, and wealth management, ensuring financial services are accessible at the community level [6][10]. Group 4: Future Directions - The government plans to enhance support for technology finance by improving incentive mechanisms and providing comprehensive financial services for technology enterprises, aiming to create a virtuous cycle between technology, industry, and finance [9]. - There is a strong focus on developing green finance to facilitate a comprehensive green transformation of the economy, with an emphasis on funding for environmentally friendly projects [10].

Group 1 - The core viewpoint of the article highlights the innovative initiatives by China Construction Bank's Jiangmen branch in integrating digital financial services into various sectors, particularly focusing on the digital RMB and its applications in public services and education [2][3][4] - The Jiangmen branch has launched a "Smart Canteen System" that utilizes technology to enhance the efficiency of traditional canteen operations, providing a new approach for digital transformation in consumption scenarios [3][4] - The digital RMB fiscal distribution solution introduced by the bank aims to provide secure, efficient, and intelligent salary payment services for government departments, marking a significant step in the development of digital governance [2][4] Group 2 - The "Smart Canteen System" incorporates data analysis capabilities to create a fully digital management process, including online meal ordering, intelligent meal preparation, and facial recognition payment, thereby reducing food waste and improving service efficiency [4] - The system allows students to make payments through facial recognition without the need for physical cards or mobile phones, addressing common issues such as long queues and payment difficulties in traditional canteens [4] - The initiatives by the Jiangmen branch not only enhance the efficiency of fund circulation but also promote the digital transformation of management models, contributing to the digital development of the Guangdong-Hong Kong-Macao Greater Bay Area [4]

Core Insights - The Chinese government emphasizes the importance of finance as a vital component of national competitiveness and economic modernization, with a focus on high-quality financial development through five key areas: technology finance, green finance, inclusive finance, pension finance, and digital finance [1][2][3]. Group 1: Financial Development Strategies - The government aims to deepen the understanding of the essence of socialist finance with Chinese characteristics, integrating Marxist financial theory with contemporary Chinese realities and traditional culture [2]. - The focus is on serving the real economy, risk prevention, and promoting financial innovation within a market-oriented and legal framework [2][4]. Group 2: Implementation of Financial Policies - Various policy frameworks and tools have been established, including significant funding allocations for technology innovation and green finance initiatives, such as a 200 billion yuan technology innovation relending program and a 400 billion yuan inclusive pension relending program [4][6]. - The introduction of diverse financial products, such as patent pledge loans and technology insurance, aims to support technology enterprises and enhance the financial service ecosystem [5][6]. Group 3: Performance Metrics - As of September 2023, technology loans accounted for 30.5% of all new loans, with a 22.3% year-on-year increase in loans to technology SMEs, significantly outpacing overall loan growth [6]. - The balance of green loans reached 43.5 trillion yuan, reflecting a 22.9% year-on-year growth, with green bonds totaling 4.9 trillion yuan issued [6]. Group 4: Future Directions - The government plans to continue promoting the five key areas of finance to support the construction of a strong financial nation and the rejuvenation of the Chinese nation, aligning with the 15th Five-Year Plan [7][10]. - Emphasis will be placed on enhancing digital finance capabilities, improving service efficiency, and ensuring data security and consumer protection in the digital age [10][16].