2026年以来，又有多家银行信用卡分中心关停。不同于以往国有大行主导的收缩态势，城商行等中小银 行也纷纷加入"瘦身"阵营，成为本轮调整的新亮点。 作为开年以来首家启动信用卡分中心关停的城商行，广州银行的动作尤为迅猛。开年不足一个月，该行 已接连获批关停7家信用卡分中心，涵盖珠三角核心城市——1月21日，珠海金融监管分局发布批复，同 意广州银行股份有限公司信用卡中心珠海分中心终止营业；在此之前，江门、中山、惠州、佛山、深 圳、东莞6家分中心已先后完成停业批复流程。 国有大行的关停步伐也未曾停歇，延续了此前的转型节奏。1月4日，四川金融监管局发布批复，明确同 意交通银行（601328）太平洋信用卡中心成都分中心终止营业，并要求该分中心在停业后及时拆除原址 标识标牌，不得再开展任何金融业务。 记者注意到，交通银行信用卡分中心的持续收缩，实则是其业务模式战略转型的具体落地。早在2024年 度业绩发布会上，该行管理层就明确表态，为了更好地适应信用卡业务发展到新阶段的要求，该行将信 用卡的业务模式由过去集中直接经营改为分行属地经营，将信用卡业务纳入属地零售业务中进行统一经 营。这一转型方向在2025年半年报中进一步明确， ...

（原标题：波黑塞族共和国拟推支付服务法，从而打破银行垄断推动支付革命） 该法律草案将在塞族共和国国民议会近期常会上提交审议。提案方财政部表示，法案旨在向支付机 构等新服务提供商开放市场，使其与银行竞争，从而强化市场竞争、推动技术创新、加强支付服务用户 保护，并通过资本要求、所有权与管理要求的明确规定，以及银行业监管局的监督，确保支付服务提供 商安全透明运营。该法律的通过亦是加入欧元跨境支付系统——单一欧元支付区（SEPA）的关键前提 之一，并符合西巴尔干增长计划的要求。 此次改革被视为波黑塞族共和国融入欧洲支付体系、加速金融数字化转型的重要一步。（驻波黑使 馆经商处） 波黑国家台1月25日报道。波黑塞族共和国政府近日通过《支付服务法》草案，标志着该地区支付 系统迎来近25年来最大规模改革。新法案首次将银行与金融科技公司置于平等地位，并向支付交易领域 的新参与者开放市场。该法律废除了自2001年改革以来银行在支付系统中的垄断地位，新法案首次引入 竞争机制，支付系统将涵盖电子货币机构、支付机构、小额信贷公司以及全新的账户信息接入服务提供 商。 该法案基本与欧盟2018年《支付服务指令》（PSD2）保持一致，该指令 ...

Core Insights - The report by CCID Consulting outlines the development blueprint and transformation directions for the IT industry in China by 2026, focusing on ten key areas including computing power, storage, AI, industrial software, and financial digital transformation [1][2][3]. Computing Power - The demand for computing power is expected to grow exponentially due to the deep integration of large models and industry applications, with China's total computing power projected to exceed 1200 EFLOPS by 2026, maintaining the second position globally, and intelligent computing contributing nearly 90% [1]. - A collaborative model of "cloud centralized training and edge flexible reasoning" will be widely adopted, with super-node architectures overcoming traditional computing cluster bottlenecks, becoming a significant choice for large intelligent computing centers [1]. Artificial Intelligence - The "AI+" sector is anticipated to enter a new phase of typical demonstration and large-scale implementation by 2026, with cloud services accelerating towards AI-native evolution, transitioning from "resource supply" to "intelligent engine" [2]. - High-quality private data sets will become scarce resources, and lightweight AI terminals will serve as crucial carriers for application implementation, driving deep penetration of "AI+" in industries such as automotive and logistics [2]. - The large model market is expected to experience explosive growth, with both deployment and usage volumes increasing significantly, focusing on vertical small models and autonomous collaborative intelligent agents [2]. Industrial Software - The global industrial software market is projected to grow steadily from 2023 to 2025, with a compound annual growth rate of approximately 6.4%, reflecting a balance of stable growth and structural optimization [2]. - By 2026, industrial software is expected to play a vital role in transforming manufacturing from experience-driven to data-driven, enhancing industry efficiency and resource allocation [2]. Financial Digital Transformation - By 2025, the financial industry is expected to undergo a high-quality paradigm shift from "digitalization" to "intelligentization," driven by AI and open API ecosystems, supported by distributed core system restructuring and technological breakthroughs [3]. - IT investment in China's financial sector is projected to continue expanding, with AI reshaping financial technology and generative AI accelerating penetration into vertical financial fields, evolving IT from a supportive tool to a core engine driving financial innovation [3].

"优惠+便利"：进一步激发湾区消费 自《粤港澳大湾区发展规划纲要》实施以来，粤港澳大湾区互联互通日益迈向纵深，基础设施建设 的"硬联通"持续完善，金融互联、人才流动的"软联通"稳步推进。在此背景下，金融服务的便捷化与一 体化，成为提升湾区居民生活质量、促进各类要素高效流动的关键一环。 12月20日，广发信用卡中心携手广发澳门分行、广州分行在广州南沙率先启动一项跨境金融服务创新试 点，面向在南沙工作生活的港澳人士推出信用卡线上服务。此举旨在以数字化能力打破地域与服务边 界，为湾区生活提供更流畅、更便捷的金融支持。 服务创新：从线下折返到线上闭环 接受采访时，广发信用卡中心相关负责人表示，为彻底解决港澳客户申领内地信用卡需多次跨境奔 波"折返跑"传统难题，广发信用卡中心率先在广州南沙推出面向港澳人士线上申请、激活信用卡的一站 式服务。 据该负责人介绍，在全新服务模式下，港澳客户仅需通过"发现精彩"APP，即可在线上完成信用卡申请 全流程操作，将过去可能耗时数日、多次往返的线下流程，压缩至线上短时间内轻松完成，真正实现了 跨境办卡的"零距离"与"零往返"。这不仅极大地优化了港澳客户体验，也是广发信用卡深化数字化转 ...

12月18日，以"AI赋能金融创新"为主题的第六届金融科技应用与服务大会在上海市黄浦区召开。会议不 局限于对技术应用的常规探讨，更深入聚焦人工智能驱动下金融业的根本性变革。 浦发银行金融市场总监、首席经济学家薛宏立提出了一个结构性框架：以AI工程化驱动金融供给侧结 构性改革；以"数智化"重构金融服务价值链，激活新质生产力；以"人机协同"提升服务实体经济的质 效，最终践行"金融为民"的宗旨。这一论述超越了工具性应用，触及了AI如何从根本上改变金融业的供 给模式、价值创造与最终使命。 本次大会设立"提升金融数字化转型、赋能科技金融创新"圆桌对话环节。对谈直面金融数字化转型进 入"深水区"后的核心命题：在技术工具日益普及的当下，如何实现从"局部优化"到"系统重构"的跨越。 与会嘉宾形成共识——未来的突破将取决于技术、业务、组织与治理四者的协同演进。 上海市黄浦区人民政府副区长沈丹娜表示，作为上海国际金融中心的核心承载区，黄浦区深刻认识 到"科技是金融发展的核心引擎，AI是数字金融的未来方向"。黄浦区将全力支持各类金融科技企业在黄 浦发展壮大，在上海建设全球金融科技中心的征程中勇挑重担、走在前列。 中共上海市委金融委 ...

Core Viewpoint - The company emphasizes the importance of integrating national strategies with local needs through the "Four Types of Financial Services" framework, which includes innovation-driven, service-oriented, platform-based, and transformative financial solutions [1] Group 1: Innovation-Driven Financial Services - The company aims to activate the technology finance engine by establishing a comprehensive service system centered on "investment banking + investment + research" [1] - It has managed over 100 billion yuan in industry funds, leveraging nearly 160 billion yuan in social investments, and has supported 136 technology innovation enterprises, helping 16 specialized and innovative companies to go public or pass the review [1] Group 2: Service-Oriented Financial Services - The company focuses on creating a green finance network to support the active private economy in Zhejiang, particularly for small and medium-sized enterprises [2] - It has implemented an "insurance + futures" model in collaboration with Yong'an Futures to reduce transformation costs for enterprises, guiding funds to be allocated precisely through professional research [2] Group 3: Platform-Based Financial Services - The company is committed to building a platform-based financial service model that enhances the accessibility of inclusive finance, which is crucial for optimizing the business environment and promoting common prosperity [2] - It currently manages residential assets totaling 14 trillion yuan and has developed a low-threshold, low-fee inclusive product system, with sales of common prosperity products reaching 20.3 billion yuan in 2024, a 16% increase year-on-year [2] Group 4: Transformative Financial Services - The company is focused on enhancing the supply of pension financial services to ensure that the elderly population shares in the development benefits, having issued three pension products with a total scale of approximately 250 million yuan [3] - It is actively constructing an "AI*(1+4+N)" intelligent financial innovation system, which integrates a central intelligent financial brain with four comprehensive service platforms to empower various business scenarios [3] - The integration of the four types of financial services is seen as the core competitive advantage for high-quality service development [3]

Core Insights - The establishment of the National Small and Micro Enterprises Fund Flow Credit Information Sharing Platform aims to address financing difficulties faced by small and micro enterprises across China, enhancing their access to credit and financial services [1][2][3] Group 1: Platform Overview - The Fund Flow Information Platform, launched on October 25, 2024, aggregates financial data to create accurate credit profiles for over 66 million enterprises, facilitating the sharing of more than 100 million enterprise settlement account credit information [1][2] - As of October 2025, 1.5 trillion yuan in loans have been issued through the platform, with 1.3948 trillion yuan specifically supporting small and micro enterprises [2] Group 2: Support for Innovation - The platform assists technology-driven enterprises by providing a comprehensive view of their financial activities, thus enabling financial institutions to better assess their creditworthiness [3][4] - In regions like the Guangdong-Hong Kong-Macao Greater Bay Area, the platform has led to the development of tailored financing solutions for innovative companies, enhancing their funding environment [3] Group 3: Green Finance Initiatives - The platform addresses challenges in green agriculture financing by improving credit information sharing and monitoring, thus facilitating access to financial resources for environmentally sustainable projects [5][6] - Specific cases include loans issued to agricultural enterprises in Guizhou, supporting local agricultural industries and enhancing financial backing for rural revitalization [6] Group 4: Accessibility for Small Enterprises - The platform enables small and micro enterprises, often lacking formal credit histories, to establish credit profiles based on their actual financial transactions, thus overcoming traditional barriers to financing [7][8] - Examples include a family-run vegetable farm receiving a 100,000 yuan credit loan based on its operational data, showcasing the platform's effectiveness in providing timely financial support [7] Group 5: Support for the Elderly Care Sector - The platform enhances financing opportunities for the elderly care industry, which typically faces high investment costs and long payback periods, by providing detailed insights into operational performance [9] - Successful financing cases include a 400,000 yuan credit line granted to a nursing institution in Chongqing, demonstrating the platform's role in supporting the aging population's needs [9] Group 6: Financial Transformation - The platform is pivotal in driving the digital transformation of the financial sector, allowing institutions to leverage big data and AI for improved credit assessment and risk management [10][11] - Initiatives in Shandong and Anhui provinces exemplify the platform's role in creating innovative financing solutions for small and micro enterprises, enhancing their access to credit [10][11]

Core Insights - The establishment of the national small and micro enterprise fund flow credit information sharing platform aims to address the funding challenges faced by small and micro enterprises across various sectors in China [1][2] Group 1: Platform Achievements - As of October 2025, the platform has integrated 1,828 legal entities, creating fund flow credit profiles for over 66 million enterprises and facilitating the sharing of fund flow credit information for more than 100 million enterprise settlement accounts, achieving nationwide coverage [2] - Financial institutions have issued loans exceeding 1.5 trillion yuan, with 836.9 billion yuan supporting inclusive finance and 1.3948 trillion yuan aiding small and micro enterprises, effectively converting data into tangible financial support for business development [2] Group 2: Support for Innovation - The platform assists technology-driven enterprises by providing a comprehensive credit profile that highlights their operational strengths, thus overcoming traditional barriers to financing [3] - Financial institutions are developing tailored financing solutions for innovative enterprises by utilizing the platform's data to assess their operational capabilities and creditworthiness [3] Group 3: Green Finance Initiatives - The platform addresses challenges in green agriculture financing by enabling financial institutions to monitor enterprises' financial activities and project progress, thereby enhancing credit assessments [4] - Specific cases include loans issued to agricultural enterprises, such as 3 million yuan to a grain company and 1 million yuan to a tea enterprise, which have bolstered local green agricultural industries [5] Group 4: Accessibility for Small Enterprises - The platform creates credit profiles for previously unbanked small enterprises, allowing them to secure financing without traditional collateral [7] - Examples include a family farm receiving a 100,000 yuan loan based on its operational data, demonstrating the platform's effectiveness in facilitating access to credit [7] Group 5: Support for the Elderly Care Industry - The platform enhances financing opportunities for elderly care enterprises by providing comprehensive insights into their operational status, thus addressing the lack of collateral [9] - A case study highlights a care institution receiving a 4 million yuan credit line after verification of its stable operations through the platform [9] Group 6: Financial Transformation - The platform promotes the digital transformation of the financial industry by enabling data sharing and the application of advanced technologies like big data and AI in credit processes [10] - Initiatives in Shandong and Anhui provinces exemplify the platform's role in fostering innovative financial products and improving access to credit for small and micro enterprises [10]

Core Insights - The event "Generative AI Technology Innovation Day" was successfully held by Financial One Account, in collaboration with Amazon Web Services and technology partner JuCloud, gathering over 40 guests to discuss the innovation blueprint and application prospects of generative AI in the fintech sector [1][3]. Group 1: Strategic Importance - Generative AI technology is rapidly reshaping the global industrial landscape and is becoming a core engine for digital transformation and business innovation [3]. - Financial institutions and technology companies view embracing generative AI as a crucial strategic choice during the key phase of intelligent, scenario-based, and open financial services [3]. Group 2: Expert Contributions - Financial One Account's CEO in Hong Kong, Jin Xinming, emphasized the strategic significance of generative AI for digital transformation in the financial industry, predicting more innovative applications and industry integration in the future [3]. - Amazon Web Services' financial industry sales leader Chen Ming and JuCloud founder Zhu Jun also contributed insights, agreeing on the importance of deep communication to explore new boundaries for generative AI applications in fintech [3]. Group 3: Technical Insights - Amazon Web Services expert Deng Qibiao provided a specialized training session on generative AI technology, covering its evolution, core principles, and mainstream models, thereby constructing a systematic knowledge framework for attendees [4]. - AWS's generative AI product solutions architect Gao Yunyi shared breakthroughs in multi-modal embedding models, illustrating the unique value of this technology in handling complex financial data through detailed case studies [4]. - JuCloud's generative AI architect Fu Yunbo shared practical experiences on efficiency improvement and cost reduction in enterprise-level applications, offering valuable references for future project implementations [4]. Group 4: Future Collaboration - The event facilitated a platform for deep dialogue between technology suppliers and industry users, highlighting the exploration of generative AI in enterprise intelligent transformation [4]. - Financial One Account aims to continue focusing on technological frontiers and deepen collaboration with partners to promote the in-depth application of AI technology in financial scenarios, enhancing its core competitiveness in the fintech sector [5].

Core Viewpoint - The company is focusing on building a comprehensive value management system that covers the entire data lifecycle to support financial innovation and digital transformation in the financial sector [1] Group 1: Company Strategy - The company is leveraging its digital capabilities in the financial industry by concentrating on three main aspects: data aggregation, asset activation, and value realization [1] - It has developed a comprehensive data management platform that aligns with the digitalization process of the banking industry [1] Group 2: Data Solutions - The company offers a complete data solution that includes five dimensions: data aggregation, data governance, data assets, data applications, and data services [1] - This integrated approach aims to provide financial clients with thorough data system consulting and implementation solutions [1]