党的二十届四中全会审议通过的《中共中央关于制定国民经济和社会发展第十五个五年规划的建议》 对"加快建设金融强国"作出部署，强调大力发展科技金融、绿色金融、普惠金融、养老金融、数字金 融。大力发展数字金融，是深化金融体制改革、促进数字经济和实体经济深度融合的重要保障。2024年 11月，中国人民银行等7部门联合印发的《推动数字金融高质量发展行动方案》提出，到2027年底，基 本建成与数字经济发展高度适应的金融体系。本期特邀专家围绕相关问题进行研讨。 数字金融创新成效显著 "十四五"期间，我国数字金融发展取得哪些重要成果？ 张伟（清华大学五道口金融学院院长助理）：数字金融具有双重内涵，既包括技术驱动的金融创新，也 涵盖金融体系的数字化转型。"十四五"时期，我国金融业数字化转型取得积极成果，金融服务数字经济 和促进数实融合成效显著，为构建"科技—产业—金融"良性循环提供了坚实支撑。 一方面，金融业以数字化转型提高金融产品与服务效能。持续完善政策框架，形成系统化、多层次的发 展指引。在《金融科技发展规划（2022—2025年）》《关于银行业保险业数字化转型的指导意见》《银 行保险机构数据安全管理办法》等一系列政策引领 ...

转自：六安新闻网 （来源：六安新闻网） 活力——通过技术创新不断优化风控模型，提升金融机构的业务拓展能力。 韧性——强化风险识别与应对能力，增强金融体系的抗风险韧性。 拓新——探索AI、大数据等新技术在风控领域的深度应用，开辟金融科技新赛道。 2025年12月12日，由华夏机构投资者年会组委会主办的第十九届华夏机构投资者年会暨华夏金融（保 险）科技论坛在北京隆重举行。本次论坛以"活力与韧性拓新与赋能"为主题，汇聚了知名学者、金融机 构领导者及行业专家，共同探讨金融科技的未来发展方向。在本次盛会上，桔子数科凭借其自主研发的 智能风控系统"桔盾"，荣获"2025年度智能风控科技创新应用典型案例"奖项，彰显了公司在金融科技领 域的创新实力与行业影响力。 科技赋能，打造金融风控新标杆 当前，全球经济环境复杂多变，金融机构在数字化转型过程中，既需要保持发展活力，又需增强风险抵 御能力。桔子数科始终坚持以技术驱动风控革新，通过人工智能、大数据、机器学习等前沿技术，构建 了覆盖全业务场景的智能风控体系，助力金融机构提升风险管理效率，优化用户体验。 此次获奖的"桔盾"智能风控系统，是桔子数科在金融科技领域的核心成果之一。该系 ...

专题：第二十二届中国国际金融论坛 2月19日-20日，"第二十二届中国国际金融论坛"在上海举行，主题为：数字经济时代的智能金融生态构 建。上海金融业联合会常务副理事长孔庆伟出席并致辞。 孔庆伟谈到，当前我国数字经济发展迅速，在政策引领与实践创新下，已经形成了"顶层设计+专项部 署+地方试点"的多层次政策体系，推动数字经济规模实现快速增长。 他表示，上海近年来通过政策引导、基建支撑、要素结合、产业融合、治理优化等多项举措，推动数字 经济实现规模上量、结构优化、质量提升的快速发展。各个金融机构普遍积极布局AI技术，推动业务 从数字化向数智化转型，从智能客服到风险管控，从精准营销到投资决策，数字技术正在重构金融服务 的全链条。 在这样一个大背景下，对如何构建健康可持续的智能金融生态，孔庆伟提出了几点看法： 一、要进一步夯实数字基础设施，加快6G、千兆光网、智算力中心等新型基础设施建设，推动公共数 据的开放共享，打破数据孤岛，释放数据要素价值。 专题：第二十二届中国国际金融论坛 2月19日-20日，"第二十二届中国国际金融论坛"在上海举行，主题为：数字经济时代的智能金融生态构 建。上海金融业联合会常务副理事长孔庆伟出 ...

为深入贯彻落实关于深化国资监管体制改革、防范化解重大风险的决策部署，国务院国资委于2025年组织开展了《关于加强国有企业穿透式监管的理论框架 和实践要求》课题研究工作。中国电信翼支付凭借其在数字科技领域的实践积累，作为支撑单位深度参与课题研究，并重点承担其中两项子课题，这标志着 其运用数字科技服务国资监管智能化转型的专业能力与实践价值，获得了课题牵头方及监管机构的高度认可。 以数据科技筑基，深化穿透式监管体系建设 为确保课题研究的高质量推进，中国电信翼支付以数据科技全面助力穿透式监管走实走深为核心目标，组建了跨数据、技术、业务领域的专项研究团队。 在国务院国资委综合监督局的指导下，团队坚持全面推进与集中攻坚相结合、理论与实践调研相结合、宏观和微观相结合、守正与创新相结合的原则，围绕 中央企业"十五五"规划编制工作，聚焦"系统建设"与"数据责任"两大研究方向，深入全国多家单位开展扎实调研，系统梳理了穿透式监管的系统建设思路与 数据挑战，提出智能化穿透式监管系统建设的体系化实施方案与落地保障建议，并针对数据采集、传输、存储、使用、共享、销毁全生命周期创新性设计基 于区块链、隐私计算技术的数据安全保护方案。 以"御 ...

在全球经济不确定性加剧的背景下，新兴市场特别是亚太地区跨境企业面临多重金融服务挑战：本地支付壁垒高企、全球流动性割裂、多市场资金管理能 见度下降。特别是对于广大中小型企业，这些障碍不仅制约其市场拓展，更拉大了与大型跨国企业的竞争差距。 时势迫人，经过移动支付、超级应用这两个成长阶段，金融科技产业需要加速定义自己的3.0时代。 蚂蚁国际首席执行官杨鹏在2025年新加坡金融科技节指出，今日本地区金融科技的核心使命，不仅是连接交易，更是让所有市场和所有企业能克服不可避 免的长期动荡，获得"经济增长的真实驱动力"和"过去仅属于跨国企业的全球触达能力"。 破碎、不稳定、地区和体系壁垒林立的跨境支付长期以来是全球化的关键瓶颈。蚂蚁国际聚焦于推进公私营部门和跨领域合作，在不同地区和新旧支付体 系之间建立纽带，形成一个合规协同、低摩擦、高效率的全球支付生态，以此为起点逐步弥合不同商业生态间的鸿沟。 在促进数字账户的连接上，蚂蚁国际业务旗下 全球整合钱包网关服务Alipay+ 已与全球40家主流电子钱包和10多个国家二维码网络建立合作，覆盖100多 个市场。通过标准化接口，全球超过1.5亿商户无需逐一适配各国支付系统，即可无缝 ...

Core Insights - The core mission of fintech in the Asia-Pacific region is to connect transactions and enable all markets and enterprises to overcome long-term disruptions, achieving true economic growth and global reach previously reserved for multinational corporations [2][4]. Group 1: Financial Services Challenges - Emerging markets, particularly in the Asia-Pacific region, face multiple financial service challenges, including high local payment barriers, fragmented global liquidity, and decreased visibility in multi-market fund management [2]. - These challenges particularly hinder small and medium-sized enterprises (SMEs), widening the competitive gap with large multinational companies [2]. Group 2: Fintech 3.0 Vision - Ant Group is accelerating investment in a Fintech 3.0 vision characterized by an open ecosystem, multi-dimensional payment innovations, and trusted security technology [4]. - The company aims to establish a compliant, low-friction, and high-efficiency global payment ecosystem by promoting collaboration between public and private sectors across different regions and payment systems [5]. Group 3: Payment Innovations - Ant Group's Alipay+ has partnered with 40 major e-wallets and over 10 national QR code networks, covering more than 100 markets, allowing over 150 million merchants to seamlessly access major payment methods in the Asia-Pacific region [5]. - The introduction of real-time payment pathways between mobile payment systems and traditional banking systems is a significant breakthrough, enabling users to make instant payments at POS networks [6]. Group 4: AI and Payment Transformation - AI and blockchain technologies are driving profound changes in the payment sector, with Ant Group focusing on developing agentic payment solutions that assist in complex tasks beyond simple transactions [7]. - The company has launched Antom Copilot, an AI assistant for merchants, which simplifies onboarding and payment integration processes [8]. Group 5: Real-Time Payment and Forex Management - Real-time global payment settlement (RTP) is a key area for Fintech 3.0, allowing businesses to achieve 24/7 real-time settlements and improve liquidity management [9]. - Ant Group's Falcon AI model processed $15 trillion in funds in 2025, helping clients reduce forex hedging costs by 40% [9]. Group 6: Security Innovations - Ant Group introduced Alipay+ GlassPay, a smart glasses payment solution featuring advanced biometric identification methods, enhancing security in payment transactions [11][13]. - The company has developed the AI SHIELD TRANSFORMER risk control model, which processes over 720,000 transactions per minute with a high accuracy rate in identifying high-risk transactions [14]. Group 7: Privacy and Data Protection - Ant Group is investing in advanced privacy computing architectures to ensure data protection while sharing business insights securely [15]. - The establishment of the "Digital Wallet Guardians Alliance" aims to promote security technology sharing and best practices among partners [15]. Group 8: The Future of Fintech - The emergence of Fintech 3.0 represents a "super connector" era, integrating various payment tools and accounts, AI practices, transaction processes, and growth resources [16]. - Ant Group's new AI operational app, EPOS 360, aims to provide SMEs with insights and responsiveness comparable to large institutions, promoting inclusive growth [16].

Core Insights - The company emphasizes its commitment to "I + Blockchain" as a core driver for innovation and product competitiveness, focusing on AI, blockchain, big data, and privacy computing [1] - The company has developed a smart ecosystem centered around its self-developed large model, DareWen, which enhances various business sectors through intelligent applications [1][2] - The company reported a slight decline in revenue for the first three quarters of 2025, while net profit showed a modest increase [3] Group 1: Business Strategy and Innovation - The company is advancing its research in AI, blockchain, and big data, with a focus on lightweight large models and intelligent data space capabilities [1] - The application of AI spans multiple sectors, including social security, healthcare, electricity, and government services, creating a comprehensive digital governance system [1] - The trusted data space product facilitates data sharing and operational infrastructure, enhancing the data economy in cities and industries [1] Group 2: Financial Performance - For the first three quarters of 2025, the company reported a main revenue of 326 million yuan, a year-on-year decrease of 0.89%, while net profit increased by 1.3% to 31.5 million yuan [3] - In Q3 2025, the company’s single-quarter revenue was 117 million yuan, down 3.2%, but net profit rose by 14.49% to 11.7 million yuan [3] - The company maintains a debt ratio of 15.3% and a gross profit margin of 51.24% [3]

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Core Insights - Baidu Cloud's financial technology service provider, BaiRong YunChuang, has demonstrated strong growth in the financial digitalization sector, with loan service revenue exceeding 800 million yuan in the first half of the year [1] - Despite the revenue growth, there are ongoing complaints regarding high interest rates associated with its loan services, with reported annualized rates reaching as high as 35.95% [1] - The company claims that it has not received complaints regarding interest rates reaching 36%, asserting that all loan contracts are compliant and clearly state the applicable rates [1] Financial Performance - BaiRong YunChuang reported a revenue of 2.929 billion yuan for 2024, reflecting a year-on-year growth of 9% [4] - The revenue from Model as a Service (MaaS) was 932 million yuan, up 5% year-on-year, while Business as a Service (BaaS) revenue reached 1.997 billion yuan, growing by 12% [4] - The net profit for the year was 266 million yuan, a decline of 21%, with the net profit margin decreasing from 13% to 9% [4] Regulatory Context - The National Financial Regulatory Administration has issued guidelines requiring commercial banks to clearly define service fees in cooperation agreements and ensure that the total financing costs align with legal standards [2] - The Supreme People's Court has emphasized the need to regulate high-interest loans and support borrowers in reducing excessive interest rates that exceed 24% annually [3] - BaiRong YunChuang's subsidiary, Rongshu Loan, operates under these regulatory frameworks, providing intelligent financial services [3]

Core Insights - The car insurance market is undergoing a multi-dimensional transformation, with Ant Insurance integrating the "Anxin Pei" service for faster claims processing, indicating a shift towards digitalization in the industry [1][2] - Ant Insurance's car insurance business is projected to exceed 10 billion yuan in 2024, capturing 30% of the online car insurance market, with over 100 million users having accessed the platform [2][4] Online Migration and Pain Point Resolution - Car insurance premiums account for 54.7% of total property insurance premiums in China, highlighting its significant role in the market [2] - Traditional car insurance faces three main pain points: price opacity, complex plans, and excessive marketing calls, which Ant Insurance aims to address through its platform [2][4] Technological Reconstruction of Pricing Logic - The traditional pricing model based on vehicle factors is becoming inadequate in the era of electric vehicles, prompting a shift to a "joint pricing" model that combines user and vehicle data for accurate risk assessment [5][6] - The implementation of this technology has led to an average reduction of 3 percentage points in comprehensive cost rates for partner insurers, significantly impacting the profitability of the car insurance sector [5] Challenges from New Energy and Smart Vehicles - The rise of electric vehicles is reshaping the car insurance landscape, with a comprehensive cost rate exceeding 110%, leading to dissatisfaction among car owners and losses for insurers [6][7] - The integration of smart driving technology is expected to fundamentally change risk distribution and liability recognition in car insurance, with potential long-term reductions in overall risk [7][8] International Expansion and Innovation Boundaries - The competition in car insurance is extending internationally, particularly in Southeast Asia, as Chinese electric vehicle exports increase [8] - Ant Insurance is exploring partnerships with leading new energy vehicle manufacturers to leverage data technology and actuarial expertise, indicating a shift from price competition to a focus on technology, data, and service [8]