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。宇信科技"零售信贷（包括普惠和消费信贷）自营业务转型合作运营模式——区域性银行数字化普 惠金融新范式"凭借突出的创新性、显著的实践成效与广泛的行业示范意义，成功斩获"十四五"金融创 新优秀案例奖项。宇信科技数字金融产研融合业务部总经理李安东受邀出席大会并上台领奖。 作为国内科技与金融领域的重要交流平台，本次大会由证券时报社主办，汇聚了来自多个国家部委及广 东省领导、知名经济学家、科技金融企业代表等重量级嘉宾，共同探讨"十四五"后期科技与金融深度融 合的新路径、新模式。此次获奖，不仅是对宇信科技在金融科技领域技术实力与创新能力的权威认可， 更彰显了公司在助力区域性中小银行数字化转型、推动普惠金融落地方面的实践价值。 该项目的成功缘于在模式、风控、技术与体系四个维度的全面创新：1. 服务模式创新："联合运营+效 果付费"破解合作困局；2. 风控机制创新：量化风控与传统风控的有机融合；3. 科技应用创新：微服务 架构支撑全流程数字化；4. 体系协同创新：五大体系联动实现全域高效运营。 成效显著：数据印证价值，示范 ...

Core Insights - The conference "2025 Financial Development Forum" held in Beijing focused on exploring new paths for high-quality development in the financial industry, gathering experts from various sectors including banking, insurance, and trust [1] Group 1: Company Overview - Sichuan Bank, established on November 7, 2020, is the first provincial-level city commercial bank in Sichuan Province, with total assets exceeding 500 billion yuan, which is more than three times its initial size [1][2] - The bank has maintained a "double AAA" credit rating since its inception [1] Group 2: Challenges and Growth - Sichuan Bank has faced multiple challenges due to a low-interest-rate environment and intense competition, particularly from large banks extending services to small and medium-sized enterprises [2] - Despite these pressures, the bank has achieved rapid asset growth, with total assets surpassing 500 billion yuan as of September this year [2] Group 3: Strategic Directions - The bank's growth is attributed to several key strategic directions: 1. A firm market positioning focused on local markets and regional clients, leveraging deep regional knowledge [3] 2. A shift from relying solely on interest margins to providing diversified financial services centered around customer needs [3] 3. A timely response to market demands by utilizing the advantages of small and medium-sized banks in decision-making processes [3] Group 4: Product Offerings - Sichuan Bank has developed a range of specialized credit products targeting key industries such as manufacturing and strategic emerging industries, including "Chuan Yin Intelligent Manufacturing Loan" and "Chuan Yin Green Loan" [3] - The bank is also exploring financial empowerment for the cultural and tourism sectors through an integrated service model [3] Group 5: Digital Transformation - The bank emphasizes the strategic importance of digital transformation, launching a plan to provide dedicated service teams for local industrial parks, aiming to cover the entire financial service chain for enterprises [4] - By the end of September 2025, Sichuan Bank aims to provide financial services to 100 industrial parks, with proactive credit issuance exceeding 200 billion yuan [4] - The bank is integrating digital capabilities to enhance service efficiency and is collaborating with fintech companies and data centers for data modeling and digital capability development [5]

Core Insights - The article emphasizes the importance of domestic demand as a key driver for economic growth during the "15th Five-Year Plan" period, highlighting the role of financial support in stimulating consumption and unleashing potential in domestic demand [1][2]. Group 1: Financial Support for Consumption - Financial tools are being utilized to rapidly revive the consumption market, with increased fiscal subsidies and financial interest discounts aimed at promoting major consumer goods such as automobiles and home appliances [1][2]. - The introduction of personal consumption loan interest subsidies covers high-frequency scenarios like shopping, tourism, and home decoration, injecting strong momentum into service sector consumption [1][2]. Group 2: Growth of Consumer Credit - Consumer credit has seen both quantity and quality growth, with a significant increase in household consumption loans excluding personal housing loans compared to the beginning of the "14th Five-Year Plan" [2]. - Financial institutions are innovating to support new consumption patterns, launching targeted products like "Specialized and Innovative Loans" to provide precise funding for emerging business models [2]. Group 3: Digital Transformation in Consumer Finance - The digital transformation of consumer finance is accelerating, with improvements in mobile payment and digital currency infrastructure, leading to a comprehensive financial service ecosystem [2]. - By 2024, mobile payment transaction volume is expected to reach 563.7 trillion yuan, with user numbers surpassing 1 billion, indicating a robust digital finance landscape [2]. Group 4: Addressing Financial Service Imbalances - The article identifies the need to improve inclusive finance mechanisms to address imbalances in financial services between urban and rural areas, advocating for collaboration between major banks and rural credit cooperatives [3]. - Establishing a rural credit scoring system based on integrated data from social security and consumption will provide better loan terms for creditworthy rural consumers [3]. Group 5: Enhancing Financial and Industrial Policy Coordination - Strengthening the collaboration between financial and industrial policies is essential to activate new consumption growth points, with a focus on integrating financial services into key industries like green appliances and renewable energy vehicles [4]. - The establishment of special consumption finance guiding funds is encouraged to support innovative projects in essential service sectors, creating a virtuous cycle of policy guidance, financial support, and industrial implementation [4]. Group 6: Risk Management and Regulatory Framework - The article stresses the importance of a new governance system that combines technology and regulation to prevent systemic risks, including clear capital requirements for internet lending platforms [4]. - Continuous monitoring of credit fund flows and strict measures against fraudulent practices are necessary to protect consumer rights and support sustainable economic growth [4].

Group 1 - Hong Kong government plans to relax capital investor entry scheme to attract more investors into the fintech sector [1] - Hong Kong Monetary Authority is exploring tokenization of conventional finance through the Ensemble sandbox and applying regulatory sandboxes to promote innovation and prudent risk management [1] - Hong Kong ranks third globally and first in Asia in the Global Financial Centers Index, with over 1,200 fintech companies, a 10% year-on-year growth [1] Group 2 - By 2032, the total revenue of Hong Kong's fintech industry is expected to exceed $600 billion, with an annual growth rate of over 28% [1] - The People's Bank of China emphasizes the importance of technology-driven financial innovation as a key driver for changes in financial development and governance systems in the context of the digital economy [2] - The People's Bank of China is focused on deepening the application of next-generation artificial intelligence in finance, developing policies to guide financial institutions in safely leveraging AI capabilities [2]

Core Viewpoint - The "14th Five-Year Plan" emphasizes the construction of a strong financial nation, focusing on serving the real economy, deepening reform and innovation, and preventing financial risks [1] Group 1: Development of Financial Sectors - The plan highlights the development of five key areas: technology finance, green finance, inclusive finance, pension finance, and digital finance [2] - In technology finance, banks and securities firms are encouraged to support innovative enterprises through loans and equity investments [2] - Green finance aims to align standards with international practices and explore carbon financial derivatives, supporting industries like energy storage and hydrogen [2] - Pension finance focuses on building personal pension product offerings and encouraging the development of long-term, stable pension products [2] - Inclusive finance should leverage digital transformation to create online financial products for small and micro enterprises and rural areas [2] - Digital finance requires financial institutions to invest in digital infrastructure and enhance service efficiency and risk control through technology [2] Group 2: Optimization of Financial Institutions - The plan calls for optimizing the financial institution system, encouraging institutions to focus on their core businesses and improve governance [3] - The financial system has developed into a comprehensive support service structure, with banks as the main service providers [3] - Large banks are expected to transition towards comprehensive and international development, while small and medium banks will focus on niche markets [3] - Non-bank financial institutions will play a more significant role in asset and wealth management [3] - Regulatory authorities will guide institutions to find their positioning and promote differentiated competition [3][4] Group 3: Strengthening Financial Regulation - The plan emphasizes the need for comprehensive financial regulation, enhancing collaboration between central and local regulators [5] - A robust risk prevention and resolution system is to be established to ensure financial stability [5] - Financial institutions are advised to strengthen risk management frameworks and utilize digital tools for comprehensive risk control [6] - There is a focus on improving compliance management and ensuring adherence to regulatory requirements [6]

Core Insights - The recent trend of banks consolidating their apps is a strategic decision to address user pain points and enhance service quality, marking a shift from rapid expansion to a focus on quality improvement in digital transformation [1][2][3] Industry Trends - The closure of independent banking apps, such as credit card and direct banking apps, is a response to issues like redundant functionalities and poor user experience, which have emerged from the previous rapid proliferation of various banking apps [2][3] - According to iResearch, user engagement with mobile banking apps in China is declining, with daily effective usage time dropping from 4.93 minutes to 2.70 minutes and daily usage frequency decreasing from 4.54 times to 2.86 times between 2023 and 2025 [2] Operational Efficiency - By shutting down less frequently used apps, banks can significantly reduce redundant technology development and operational costs, allowing for a focus on enhancing core functionalities such as biometric recognition, intelligent customer service, and risk control models [3] - The integration of functionalities aims to create a unified user data platform, breaking down data silos and enabling a shift from product-oriented to user-oriented services [3] Future Outlook - The ongoing "slimming down" of banking apps reflects a rational return for the banking industry, moving away from digital anxiety towards a focus on quality improvement, emphasizing service quality and user experience [3][4] - As technologies like artificial intelligence and big data become more prevalent, banking apps are expected to offer more precise functionality customization and smarter service recommendations, becoming a key battleground for competitive differentiation [3][4] User-Centric Features - Banks are encouraged to retain and optimize features for specific user groups, such as large text interfaces and voice navigation for elderly users, and one-stop services for small business owners [4] - Effective communication during the transition of functionalities is crucial to minimize user dissatisfaction, utilizing methods like SMS notifications, app tutorials, and dedicated customer service lines [4]

Group 1: Overview of Financial Cloud Development - Financial cloud refers to the use of cloud-native, artificial intelligence, and big data technologies to enhance the efficiency and service quality of financial institutions by migrating data and processes to the cloud [1][3] - The financial cloud industry has rapidly developed, becoming a key driver for the digital transformation of the financial sector, with significant growth in market size observed in recent years [3][4] Group 2: Current Status of Financial Cloud - The Chinese financial cloud market reached a size of $6.56 billion in 2021, with projections of $8.05 billion in 2022 and $8.82 billion in 2023, indicating a continuous growth trend [3][4] - Different scales of financial institutions exhibit varying demands for financial cloud technology, with larger institutions focusing on hybrid cloud platforms and smaller institutions leveraging cost advantages for digital transformation [3][4] Group 3: Competitive Landscape - The financial cloud market is characterized by diversification and specialization, led by integrated cloud vendors, product-focused cloud vendors, traditional IT service providers, and fintech subsidiaries [4][10] - The emergence of financial cloud hosting services has become a new competitive direction, providing operational cost reduction and enhanced business agility for financial institutions [10] Group 4: Development Trends - The digital transformation of financial institutions is expected to accelerate, driven by the application of advanced technologies such as big data, artificial intelligence, and blockchain [6] - Financial institutions are increasingly adopting cloud services to replace traditional information systems, allowing for cost reduction and efficiency improvements [7] - The security framework in the financial sector is continuously improving, with a focus on building a robust ecosystem based on domestic technology [8] Group 5: Industry Interconnections - The upstream supply chain consists of core hardware suppliers and supporting software vendors, while the downstream includes various financial institutions such as banks and leasing companies [9] - The financial cloud sector is closely linked to both upstream and downstream industries, with software development reliant on upstream hardware and software platforms, and downstream demand influencing market dynamics [9] Group 6: Key Players in the Market - Notable companies in the financial cloud sector include: - Industrial Digital Financial Services (Shanghai) Co., Ltd., focusing on banking cloud solutions [11] - Shandong Urban Commercial Bank Cooperation Alliance, providing cloud services to member banks [11] - Jindian Cloud Digital Technology Co., Ltd., offering comprehensive services to small and medium financial institutions [11] - Shenzhou Rongxin Cloud Technology Co., Ltd., specializing in digital cloud platform services for the financial industry [11] - Jinzheng Co., focusing on financial technology and providing a full range of solutions for the financial sector [11]

Core Insights - Beijing Kelong Software Co., Ltd. (科蓝软件) and Beijing 360 Intelligent Technology Co., Ltd. (360智领) have signed a strategic cooperation agreement to collaborate in the mobile application security sector [1][2] - Kelong Software has maintained the number one market share in the mobile banking sector for nine consecutive years, and this partnership will allow them to promote and sell 13 core products from 360智领 [1] - The collaboration aims to enhance Kelong Software's service offerings from "digital solutions" to "security protection," leveraging 360智领's technical capabilities [2] Company Overview - Kelong Software will gain authorization for the promotion and sales of 360智领's 360 Tianyu series products, which include security enhancement for various operating systems and applications [1] - The products will support both localized and SaaS deployment models, catering to different scales of financial institutions [1] Market Context - The mobile application security market is experiencing a growth rate exceeding 30% annually amid the digital transformation in the financial sector [2] - The partnership is expected to positively impact Kelong Software's business expansion and customer maintenance efforts [2]

Core Insights - The conference theme emphasizes the dual drive of innovation and openness in building a strong financial nation, highlighting the importance of adapting to technological advancements in finance [3] Group 1: Financial Technology and Digital Transformation - Financial institutions in China are accelerating their digital transformation, with a goal to achieve over 85% digitalization rate by 2027 [3] - China's digital finance landscape is expanding, covering various services such as payment, credit, investment, insurance, and credit reporting, with a leading position in global mobile payments [3] - The number of mobile payment platform users in China exceeds 1 billion, making it the largest market globally, and 88% of individuals are expected to use mobile banking by 2024 [3] Group 2: Internationalization and Cross-Border Finance - Significant progress has been made in the internationalization of the Chinese financial system, with record high offshore RMB bond issuance and breakthroughs in cross-border financial services [4] - The establishment of the digital RMB international operation center is expected to increase the proportion of RMB in cross-border payments [4] Group 3: Openness and Regulatory Framework - The importance of openness in promoting reform and innovation is emphasized, with a focus on enhancing the efficiency of financial resource allocation and international competitiveness [4] - The need to align with international high-standard trade agreements in the financial sector is highlighted, aiming to simplify restrictive measures and improve cross-border investment and financing [4] - The potential for offshore RMB stablecoin trials in Hong Kong is discussed, with a call for regulatory measures to keep pace with these developments [4]

Core Insights - Haier Financial Company successfully connected to the People's Bank of China's GFIX system, becoming one of the first financial companies to do so, marking a significant milestone in its operational capabilities [1][4] Group 1: Key Values of GFIX Connection - Value 1: Transaction efficiency and security are enhanced through the standardized messaging and automated processing of the GFIX system, allowing for end-to-end processing of fund flows and information transfer [2] - Value 2: Operational costs are reduced while quality and efficiency are increased, as the system allows for centralized management of multiple bank accounts, minimizing redundant system development costs [2] - Value 3: Information channels are expanded, addressing the issue of isolated accounts that hinder centralized fund management, thus enabling better integration with central bank payment systems [3] Group 2: Regulatory and Compliance Benefits - Value 4: Risk management and compliance are improved through standardized messaging, enhancing data traceability and reducing operational risks, aligning with regulatory requirements for financial infrastructure [3][4]