在房地产行业深度调整的当下，债务重组已成为出险房企化解风险的关键。 近日，港股上市公司碧桂园发布公告称，碧桂园境外债务重组方案获高票通过，涉及约177亿美元债 务，其中组别一（银团贷款组别）赞成票对应债权金额占组别一出席并投票债权金额的83.71%，组别 二（美元债及其他债权）赞成票对应债权金额占组别二出席并投票债权金额的96.03%，达成重组方案 裁定通过的必要条件。今年9月，碧桂园8笔境内债券重组方案也经债券持有人会议审议通过，涉及本金 金额合计约人民币133.32亿元。 碧桂园发布的177亿美元境外债务重组可能进行的交易系列，包括计划发行总额近130亿美元的强制可转 换债券。其中，强制可转换债券A的发行金额为75.14亿美元，强制可转换债券B为54.42亿美元，强制可 转换债券C为0.39亿美元。 在房地产行业深度调整背景下，传统债务展期已难以满足债权人诉求，强制可转换债券成为企业"削 债"的核心工具之一。据证券时报记者不完全统计，今年以来，已有融创中国、旭辉控股、远洋集团等 多家房企发布债务重组计划，包括了发行强制可转换债券。 强制可转换债券是一种兼具债务与股权属性的金融工具。优美利投资总经理贺金龙向 ...

Core Viewpoint - The 19th Shenzhen International Financial Expo showcases innovative financial products and services aimed at supporting the real economy, with a focus on technology finance and inclusive finance, highlighting the role of financial institutions in driving high-quality development in Shenzhen [1][12]. Technology Finance - Shenzhen is recognized as a national high-tech innovation hub, with over 12.5 national high-tech enterprises per square kilometer and leading the country in PCT international patent applications for 21 consecutive years [5]. - Shenzhen Industrial and Commercial Bank (ICBC) provides comprehensive financial support to technology companies like Kenqing Technology, facilitating technology transformation, production scale expansion, and market promotion [3][5]. - The bank has developed a full-cycle "technology innovation product group" to activate the value of intellectual property and equity assets, including the first copyright pledge financing in Shenzhen [6]. - A unique "three-in-one" evaluation mechanism has been established to assess technology companies based on talent structure, R&D capabilities, and intellectual property value, rather than traditional financial metrics [6][7]. - A digital platform has been created to enhance efficiency and accurately match the needs of technology enterprises, resulting in the approval of over 240 cutting-edge technology companies since its launch [6][7]. Inclusive Finance - Shenzhen ICBC has achieved a historic milestone with its inclusive loan balance surpassing 200 billion yuan, with an annual growth rate of 43% [11]. - The bank has introduced three major products—"Operating Quick Loan," "Online Loan," and "Digital Supply Chain"—to meet the diverse financing needs of small and micro enterprises [8][10]. - The "Park e-loan" product converts soft power indicators into quantifiable assessment metrics, enhancing service quality through data interaction with park operators [10]. - The bank's support has enabled companies like Shenzhen Tengxin Bainai Technology to secure funding for raw material procurement and R&D investments, contributing to their growth as specialized "little giant" enterprises [10]. Fifteenth National Games Finance - The bank has launched a series of financial products related to the Fifteenth National Games, including themed debit and credit cards, integrating sports, finance, and culture [12][15]. - The digital RMB hard wallet allows for seamless payment experiences, enhancing convenience for both local residents and international visitors attending the games [14][15]. - The bank's initiatives aim to transform spectator enthusiasm into tangible benefits for residents, showcasing its commitment to community engagement and support for major events [15].

Group 1 - The event aimed to implement the requirements from the 20th National Congress regarding the improvement of the capital market functions that coordinate investment and financing [3] - Over 250 financial institutions and leading private equity firms participated, connecting with more than 300 quality enterprise representatives from Fujian Province and the Greater Bay Area [4] - The event featured presentations from various financial service providers and showcased five companies that shared their development plans and financing needs [4] Group 2 - The event included specialized sessions on themes such as biomedicine + new materials, artificial intelligence + high-end equipment manufacturing, and integrated circuits + next-generation information technology [4] - A "Walk into Shenzhen Stock Exchange" activity was organized, allowing nearly 50 quality enterprises to learn about innovative bond issuance practices and deepen their understanding of multi-level capital markets [4] - The event also provided training for companies looking to list in Hong Kong, with participation from over 200 enterprise representatives [4][5] Group 3 - The event was jointly organized by the Fujian Provincial Financial Office, Fujian Jin Investment, and Huafu Securities, emphasizing the goal of attracting quality financial resources to Fujian's industrial sector [5] - The focus was particularly on serving technology innovation enterprises and key industrial projects to inject financial momentum into the construction of Fujian's modern industrial system [5]

中国银行与体育赛事结缘已久，拥有深厚的服务积淀。中国银行曾为2008年北京奥运会和2022年北京冬 奥会提供全方位专业金融服务，积累了丰富的国际赛事服务经验。这些宝贵经验通过系统总结和传承， 已深深融入东莞中行的服务基因。 第十五届全国运动会在粤港澳大湾区隆重举行，这场体育盛会既是对我国体育事业发展成就的集中展 示，也是推动区域协调发展的重要契机。作为扎根东莞的金融机构，中国银行东莞分行（简称"东莞中 行"）充分发挥总行"双奥银行"的传承优势，通过支持赛事安保、助力潮玩产业、传承体育服务基因等 多维度举措，为十五运提供全方位金融保障。 针对潮玩企业的特点，该行积极推广"中银惠制造"专属服务方案，为企业量身定制融资方案，提供从原 材料采购到产品研发、从生产制造到市场推广的全产业链金融服务。依托数字金融工具，优化企业资金 周转效率，助力十五运吉祥物等衍生品按时保质投入市场。截至2025年10月末，东莞中行"中银惠制 造"专属服务方案当年累计投放超25亿元，贷款户数超600户。 东莞中行将以专业金融服务保障赛事安全，以创新金融产品支持产业发展，在服务十五运的实践中展现 国有大行的责任担当，为粤港澳大湾区体育事业高质 ...

范文仲对数智时代金融的五大趋势进行了预测。首先，金融的分析方式将从定期财务报表向实时数据包转变；其次，金融的支付方式将从建立在传统银行账 户上的法币支付，转变为建立在区块链账本体系上的稳定币支付；第三，金融融资方式将从企业上市、机构发债，转变为RWA代币化上链；第四，金融信 贷投资方式将从行业专家决策转变为AI智能体决策；第五，金融机构的组织形式将从传统公司和基金，向智能投资社区转变。 在范文仲看来，金融垂类专业大模型投资决策的效率和准确性将远超人类。首先，AI模型的决策逻辑是确定性的，给定相同的输入，模型总是产生相同的 输出，这种一致性不仅提高了决策的可靠性，也使得模型的行为可以被理解和验证。其次，AI模型可以持续从新数据中学习，迅速更新和优化其决策能 力。当市场环境发生变化时，模型可以快速适应新的情况，而不需要像人类专家那样需要长时间的经验积累。 "在未来的投资过程中，人类的角色将从'执行决策者'转变为'目标设定者'。"范文仲认为，未来的金融人才需要从单纯的"知识拥有者"转变为"AI管理者"， 他们需要具备理解AI模型、运用AI工具、评估AI风险的综合能力，并为AI智能体设定正确的价值观和科学的投资目标。 ...

据介绍，目前南沙区金融业增加值占全区GDP占比超10%，金融业产生的税收常年位居行业前五，成为 全区支柱性产业之一，"南沙金融30条"的重磅发布使南沙成为目前全国唯一连续三次获批国家级金融专 项政策的区级地区，累计落地近百项金融创新成果，有力彰显改革开放试验田引领作用。 人民财讯11月18日电，11月18日，第二十届中国经济论坛平行论坛--2025大湾区科技与金融创新发展大 会在广州南沙隆重举行。广州市南沙区委常委、常务副区长孙勇表示，近三年来，南沙高质量发展跑出 加速度、彰显高质量：2025年第一阶段目标任务基本完成，粤港澳联合科技创新体制机制不断健全，产 业协同发展纵深推进，区域创新与产业转化体系初具规模；经济运行稳中有进、质效双升，2025年前三 季度GDP增速跃居全市第二，"稳中向好、向新提质"的发展态势愈发强劲。 ...

1522米海洋深处采集的圣火、无人驾驶车护送的火炬、机器人"乐师"奏响的青铜钟、全息投影还原的百 人英歌舞 ...... 第十五届全国运动会开幕式上，130多款高科技产品惊艳全场。这些源自粤港澳三地人工 智能、新一代信息技术等前沿领域的创新成果，正以鲜活的姿态向全球展现大湾区科技创新的朝气与活 力。 前10月财政收入持续回暖 科技民生投) 科创与金融齐飞 粤港澳大湾区奔赴星辰 总面积5.6万平方公里的粤港澳大湾区，是我国开放程度最高、经济活力最强的区域之一，经济总量突破2万亿美元， 以全国不到0.6%的国土面积、6%的人口总量，创造出全国1/9的经济总量。这里更是科技创新的沃土，各类创新突破持 续涌现，既为金融创新提供了广阔场景，也驱动着金融打破传统边界、寻求模式革新。 在科技与金融的深度交织中，粤港澳三地求同存异、破解制度壁垒，推动科技与金融加速"双向奔赴"、同频共振，让 粤港澳大湾区跑出创新发展的加速度。 创新资本深度"伴跑" 全方位托举企业从0到100 在第十五届全运会火炬传递广州站的接力现场，一台搭载火炬的无人驾驶车辆从越秀公园出发，经过广州解放路、海 珠广场等地，将火种灯护送至广州体育馆传递点位。这 ...

1522米海洋深处采集的圣火、无人驾驶车护送的火炬、机器人"乐师"奏响的青铜钟、全息投影还原的百人英歌舞……第十五届全国运动会开幕式上，130 多款高科技产品惊艳全场。这些源自粤港澳三地人工智能、新一代信息技术等前沿领域的创新成果，正以鲜活的姿态向全球展现大湾区科技创新的朝气与 活力。 总面积5.6万平方公里的粤港澳大湾区，是我国开放程度最高、经济活力最强的区域之一，经济总量突破2万亿美元，以全国不到0.6%的国土面积、6%的 人口总量，创造出全国1/9的经济总量。这里更是科技创新的沃土，各类创新突破持续涌现，既为金融创新提供了广阔场景，也驱动着金融打破传统边 界、寻求模式革新。 在科技与金融的深度交织中，粤港澳三地求同存异、破解制度壁垒，推动科技与金融加速"双向奔赴"、同频共振，让粤港澳大湾区跑出创新发展的加速 度。 创新资本深度"伴跑"，全方位托举企业从0到100 在第十五届全运会火炬传递广州站的接力现场，一台搭载火炬的无人驾驶车辆从越秀公园出发，经过广州解放路、海珠广场等地，将火种灯护送至广州体 育馆传递点位。这是全运会历史上首次由无人驾驶车参与火炬传递，而确保这次护送工作安全、零误差的"硬核"技术，正 ...

Group 1: Technological Innovation in the Greater Bay Area - The 15th National Games showcased over 130 high-tech products, highlighting the vibrant technological innovation in the Guangdong-Hong Kong-Macau Greater Bay Area [1] - The Greater Bay Area, covering 56,000 square kilometers, has an economic output exceeding $2 trillion, contributing to 1/9 of the national economy with only 0.6% of the land area and 6% of the population [1] - The "Shenzhen-Hong Kong-Guangzhou" innovation cluster has ranked first globally, surpassing the "Tokyo-Yokohama" cluster, while the "Macau-Zhuhai" cluster has been recognized in the world's top 100 innovation clusters [2] Group 2: Investment and Capital Support - The Greater Bay Area has a comprehensive innovation capital system that supports enterprises from inception to maturity, with active private venture capital firms and state-owned capital matrices exceeding 100 billion yuan [3][4] - As of 2024, Guangdong has 2,466 private equity and venture capital fund managers, managing approximately 12,000 funds, leading the nation [4] - The investment from state-owned capital has significantly contributed to the commercialization of core products for innovative companies, as seen in the case of Deep Sea Intelligence [3] Group 3: Financial Innovation - Traditional financial institutions are innovating to support technology-driven enterprises, developing new financial products tailored for companies with intangible assets like patents and trademarks [6][8] - The introduction of climate-friendly financial services, such as the "climate融担" loan product, has provided tailored financial support for environmentally friendly enterprises [6] - Knowledge-based financial products, including the first knowledge property securitization product in the Qianhai cooperation zone, have enabled technology companies to convert intangible assets into development capital [7] Group 4: Cross-Border Collaboration - The Greater Bay Area has established cross-border mechanisms that facilitate seamless passage for events like the first cross-border marathon, enhancing collaboration among the three regions [9] - Infrastructure developments, such as the Hong Kong-Zhuhai-Macao Bridge, have strengthened connectivity, promoting the integration of innovation resources across the region [9] - The first cross-border financing support through knowledge property pledges has been successfully implemented, allowing companies to leverage their intellectual property for funding [11]

优化服务实体机制，金融资源直达快享。山东与中央金融机构开展全方位合作，聚焦科技创新、乡 村振兴等重点领域和项目，对接争取资金8644.45亿元。助力扩内需、促消费，精准对接文旅项目343 个、融资378亿元。开展个体工商户"育苗"行动，累计为1.51万户个体工商户发放贷款58.7亿元。 山东社会融资规模增速连续25个季度高于全国 金融总量实现跨越式增长，提前完成"十四五"规划主要任务目标 11月13日，省政府新闻办举行新闻发布会，介绍"十四五"时期山东推进金融高质量发展情况。记者 从发布会上获悉，近五年来，我省金融总量实现跨越式增长，社会融资规模增速连续25个季度高于全 国，今年5月迈上25万亿元台阶；本外币贷款余额增速连续20个季度高于全国，去年11月突破15万亿 元，"十四五"规划的主要任务目标均已提前完成。 "'十四五'时期是山东金融高质量发展的关键五年。"省委金融办分管日常工作的副主任、省委金融 工委分管日常工作的副书记、省地方金融局局长陈颖表示，全省金融系统认真落实省委、省政府部署要 求，锚定"走在前、挑大梁"，稳扎稳打、踏踏实实，在金融业实现高质量发展的同时，为新时代社会主 义现代化强省建设提供有 ...