2025年5月16 - 18日，备受瞩目的第六届"数智银行家"培养计划第一期课程暨开学典礼于北京圆满举办，吸引了来自金融行业的众多精英齐聚一堂，共同探 索金融数智化转型的前沿路径。龙环汇丰总裁索永鑫应邀参加了此次培养计划。 活动期间，学员们前往中信银行进行实地参访。中信银行信息技术管理部总经理刘良俊以"人工智能赋能业务高质量发展的探索与实践"为主题，分享了中信 银行在利用人工智能优化业务流程、提升服务质量方面的成功经验，展示了人工智能在金融领域的强大赋能作用。 龙环汇丰总裁索永鑫 中国银行原行长李礼辉致辞 开幕式上，金融界重量级嘉宾云集。原中国银行保险监督管理委员会副主席陈文辉先生、中国银行原行长李礼辉先生等出席并发表致辞。他们在致辞中深入 探讨了金融行业数字化转型的关键趋势与挑战，为学员们提供了宝贵的指导与启发。 此次培养计划学术导师阵容星光熠熠，第一次课程就邀请了数位重磅学术导师。监管专家从宏观政策与行业趋势角度，剖析了金融调控面临的问题与挑战， 以及优化金融调控的主要方向，为中小金融机构在数智浪潮下的发展指明方向。火山引擎金融行业总经理刘俊结合实际案例介绍了金融大模型和智能体的发 展趋势、应用场景，以及 ...

Core Viewpoint - Ningbo Bank Shanghai Branch has been committed to serving the local economy and supporting innovation and small enterprises over the past 18 years, aligning its strategies with the development of Shanghai as an international financial center [1][12]. Group 1: Support for Technology and Innovation - The bank has established a Technology Innovation Approval Center and a team of 100 experts to provide comprehensive financial support for technology enterprises throughout their lifecycle, issuing loans totaling 46.1 billion yuan to 1,140 tech companies in 2024 [2]. - The "Technology Loan" and "Talent Loan" products assist startups, while "Growth Loan" and "Partner Loan" support growing companies, and mature firms receive acquisition loans and bond underwriting services [2]. Group 2: Inclusive Finance for Small and Micro Enterprises - The bank has developed various financial products like "Fast Approval Fast Loan" and "No Principal Renewal Loan" to address the urgent financing needs of small and micro enterprises, providing over 20 billion yuan in inclusive loans in 2024 [5]. - The implementation of a no-principal renewal loan policy has helped 418 enterprises save over 100 million yuan in financing costs, ensuring the stability of their cash flow [5]. Group 3: Digital Transformation and Future Banking - The bank is advancing its digital transformation by offering integrated financial services through platforms like "Treasury Manager" and "Foreign Exchange Manager," serving over 1,000 corporate clients with an annual transaction volume exceeding 15 trillion yuan [7]. - The "Beautiful Life" service platform has distributed over 290,000 coupons to 380,000 residents, integrating financial services into daily life [7]. Group 4: Commitment to Social Responsibility - The bank actively supports the development of the Yangtze River Delta and the Shanghai Free Trade Zone, providing cross-border financing exceeding 1.1 billion USD to 263 enterprises in 2024 [8]. - It focuses on serving private enterprises by offering tailored financial services to meet their diverse needs [8]. Group 5: Future Outlook - The bank aims to enhance its professional, digital, platform, and international strategies, positioning itself as a financial partner that helps clients find and save money while supporting employees' well-being [11][12]. - As it celebrates its 18th anniversary, the bank is poised to leverage opportunities in Shanghai's financial landscape, continuing its commitment to innovation and practical service [11][12].

中欧金融工作组第二次会议在比利时布鲁塞尔举行 围绕全球经济不确定性等议题进行深入交流 智通财经5月14日电，中欧金融工作组第二次会议5月13日至14日在比利时布鲁塞尔举行。此次会议围绕 全球经济不确定性、中欧各自宏观经济形势与金融稳定形势、银行业保险业监管、养老基金与租赁公司 发展等议题进行了深入交流，并就可持续金融、跨境数据流动与跨境支付体系建设等新兴领域合作进行 了建设性的讨论。作为中欧金融工作组的配套活动，中欧金融机构圆桌会同期举行。中欧金融管理部门 认真听取了与会金融机构就金融数字化转型、金融科技创新等前沿领域提出的专业建议，并就优化市场 准入、促进业务创新等具体诉求进行了充分沟通。与会各方一致同意建立常态化交流机制，共同推动中 欧金融合作向更宽领域、更深层次发展。 ...

Investment Rating - The investment rating for the company is "Buy" [1][6] - The previous rating was also "Buy" [1] Core Views - The company's performance is expected to decline in 2024, but this short-term pressure does not alter its long-term growth trend [1][4] - As a leading provider of financial technology products and services in China, the company is poised to benefit from the digital transformation of finance and the release of incremental demand from the "Xinchuang" initiative [1][4][6] Financial Performance Summary - In 2024, the company achieved revenue of RMB 6.581 billion, a decrease of 9.6% year-on-year [4][9] - The net profit attributable to shareholders was RMB 1.043 billion, down 26.8% year-on-year [4][9] - The company's gross margin for 2024 was 72.02%, a decline of 2.82 percentage points year-on-year [9] - The company maintained a high level of R&D investment, with total R&D expenses amounting to RMB 2.458 billion, representing 37.36% of revenue [9][10] Future Earnings Projections - Revenue projections for 2025-2027 are RMB 6.840 billion, RMB 7.504 billion, and RMB 8.346 billion, respectively [6][8] - Net profit projections for the same period are RMB 1.220 billion, RMB 1.407 billion, and RMB 1.693 billion, respectively [6][8] - The expected earnings per share (EPS) for 2025-2027 are RMB 0.64, RMB 0.74, and RMB 0.89, respectively [6][8] Market Position and Strategy - The company is focusing on core products and deepening business cooperation with clients [9] - It is actively embracing AI technology to enhance product competitiveness and has developed a proprietary AI middleware platform [9][10] - The company is restructuring its operations by shutting down non-strategic and loss-making product lines to concentrate resources on productized business [9][10]

今年初，财政部、国家发展改革委、中国人民银行等六部门印发了《政府性融资担保发展管理办法》 （以下简称《管理办法》）。为推动政府性融资担保体系高质量发展、规范政府性融资担保机构行为， 《管理办法》从坚持定位、聚焦主业、加强能力建设等方面提出新要求。具体而言，《管理办法》强调 政府性融资担保机构应当坚持准公共定位，在可持续经营前提下保本微利运行，不以营利为目的。为推 动其积极发挥为小微企业、"三农"等普惠领域经营主体融资增信的政策功能作用，《管理办法》遵循一 直以来控制业务范围和担保额度的管理方式，除明确重点为单户担保金额1000万元及以下的小微企业 和"三农"主体等提供融资担保服务外，还要求"支小支农担保金额占全部担保金额的比例原则上不得低 于80%，其中单户担保金额500万元及以下的占比原则上不得低于50%"。在业务开展方面，《管理办 法》提出政府性融资担保机构应当切实承担风险防控主体责任，严格控制担保代偿风险，构建全面风险 管理体系，加强业务管理信息系统建设和应用，规范保前评估、保后管理、代偿追偿和风险处置等业务 开展流程。 除了需求端变化外，部分地方的政府性融资担保本身对自身定位不清、能力建设不足，也造成 ...

2024年，徽商银行有效扩大资产规模、优化业务结构、提升资产质量、全力做好金融"五篇大文章"， 积极服务地方经济发展，主要经营指标实现新跃升。 数据显示，2024年末，徽商银行资产总额突破2万亿元，较上年末增长近11.5%。2024年，该行实现营业 收入371.28亿元，同比增幅2.1%；实现净利润159.17亿元，同比增幅6.18%。 2025年，徽商银行将迎来正式挂牌成立二十周年。 徽商银行表示，将坚持金融工作政治性、人民性，扎实做好金融"五篇大文章"，持续推进"九大提升工 程"走深走实，深化转型发展，增强专业能力，奋勇争先进位，全力搭建"大资负""大风控""大科技"管理体 系，高质量实现"打造优秀地方主流银行"的战略目标。 同时，徽商银行加强负债成本管控，推动内外部定价精细化，截至2024年末，该行计息负债平均成本率 较年初下降14BP，其中，客户存款平均成本率较上年下降9个BP，负债成本管控成效显现。 年报显示，2024年 徽商银 行 积极应对低利率市场环境，加快个人金融业务转型步伐，坚持做大个人金融 资产规模，持续发力核心个人客户存款拓展，实现了个人客户存款的较快增长和市场份额的有效提升。截 至20 ...