"十四五"收官迎来冲刺的关键节点。 实干为笔、成效作答——信托业以32.43万亿元的资产规模创新高，为产业链金融和养老保障注入 长期资金；消费金融行业贷款余额超万亿元，累计向8000多万人次的县域客户提供普惠金融服务；融资 租赁机构数据中心、算力、具身智能、绿色低碳等新兴场景租赁业务规模稳步增长，高端装备制造租赁 市场规模突破20万亿元……作为金融体系的重要组成部分，非银机构以多元业态、特色优势、差异服 务，在"十四五"即将圆满收官之际交出了一份高质量发展的亮眼答卷。 稳健是非银机构"十四五"时期发展的"关键词"。非银机构的稳健，在于既坚守合规发展底线、又筑 牢风险防控根基。 合规内控是首要防线。针对信贷投放、关联交易、流动性管理等关键领域，非银机构积极加强顶层 设计，建立事前预警、事中管控、事后追溯全流程机制。如国家电网下属的中国电财围绕特高压项目资 金管理核心需求，构建起"贷前调查-贷中监控-贷后检查"闭环管理机制。贷前通过账户监控功能核查项 目资本金足额到位情况，落实金融监管要求；贷中抓取资金流向数据，动态掌握资金使用情况；贷后定 期开展资金使用与建设进度配套合规性核查，确保每一笔资金精准高效用于特高压 ...

Core Insights - The Inner Mongolia Sports Lottery Center conducted an emergency drill to enhance risk prevention and safety production measures, focusing on improving emergency response capabilities and optimizing emergency plans [1][2] - The drill simulated a complete response process to a sudden online public opinion crisis, emphasizing key aspects such as information reporting, analysis, and collaborative response [1] Group 1 - The drill involved various levels of discussions and reporting scenarios to test the effectiveness of the emergency plan, including clear responsibilities and coordination among departments [1] - Participants engaged in simulated situations, with rapid emergency response initiated by the Inner Mongolia Sports Lottery Center and local centers, ensuring real-time communication and effective information collection [1] - The exercise highlighted the importance of timely and accurate information dissemination to clarify facts and guide public opinion positively [1] Group 2 - The emergency drill significantly improved participants' understanding of the core processes from information collection to decision-making [2] - It clarified specific responsibilities and collaboration paths within the emergency system, particularly between the Inner Mongolia Sports Lottery Center and local centers [2] - The comprehensive participation of all personnel enhanced the awareness and emergency response capabilities regarding sensitive public opinion issues, such as underage gambling [2]

Core Insights - China's inclusive finance has accelerated under policy guidance and technological empowerment, but faces challenges in risk prevention, coverage breadth, and institutional motivation, forming a "impossible triangle" that the industry must address [1] Policy and Market Dynamics - The development of inclusive finance in China has shown significant results, with policies and market mechanisms working in tandem to create a positive interaction [2] - Structural monetary policy tools like re-loans and discounts, along with fiscal incentives, have formed a targeted "combination punch" to support small and micro enterprises [2] - Efforts to enhance financing coordination for small businesses and improve credit service platforms have been made, aiming to guide financial resources to weaker sectors [2] Market Developments - The market has seen a collaborative effort across various financial sectors, with banks increasing the supply of first loans, credit loans, and renewals to meet financing needs [3] - Insurance institutions are providing multi-dimensional risk protection, while guarantee institutions are enhancing credit support for asset-light businesses [3] - By September 2025, the balance of inclusive micro-loans in China is projected to grow from 15.1 trillion yuan at the end of 2020 to 36.1 trillion yuan, a 139% increase over five years, with an average annual growth rate exceeding 20% [3] Challenges and Future Directions - Deep-rooted issues remain, particularly in financing accessibility for agricultural entities and tech startups, necessitating further efforts in risk prevention and sustainable business practices [4] - Key areas for future focus include building a robust credit system, upgrading risk prevention chains, and refining incentive mechanisms to balance risk control and sustainable development [4] Guangzhou's Inclusive Finance Practices - Guangzhou has positioned inclusive finance as a key driver for supporting the real economy and enhancing public welfare, with a focus on small businesses and agricultural entities [5] - By October 2025, the balance of inclusive micro-loans in Guangzhou reached 940.32 billion yuan, accounting for 10.8% of total loans, with agricultural loans at 422.16 billion yuan, reflecting a 15.34% year-on-year growth [6] Unique Features of Guangzhou's Approach - Guangzhou has developed a risk-sharing system to enhance financial support for small and micro enterprises, including a dual-mode risk-sharing mechanism [7] - The city emphasizes digital technology to improve service efficiency, with financial institutions investing in digital platforms and smart risk control systems [8] - Financial products are tailored to specific industry scenarios and customer needs, ensuring precise allocation of financial resources [9] - A multi-layered inclusive insurance system has been established to provide comprehensive coverage for vulnerable groups, enhancing social safety nets [10] Role of the Guangzhou Inclusive Finance Development Promotion Association - The association plays a crucial role in connecting financial institutions and enterprises, enhancing the effectiveness of inclusive finance services [11] - It has compiled a comprehensive policy guide and product directory to support practitioners and facilitate access to financial services [12] - The association fosters collaboration within the inclusive finance sector through conferences and training, promoting best practices and directing resources to key areas [13] Future Outlook for Inclusive Finance - The core essence of high-quality development in inclusive finance has shifted from mere coverage to a focus on precision, efficiency, and risk management [13] - Future trends include a shift from policy-driven to market-led initiatives, a transition from single credit services to comprehensive financial solutions, and a balanced approach to risk governance and sustainable development [14]

既"放得活"又"管得好" ——海南自由贸易港全岛封关运作系列评论之三 海南日报评论员 风险防控和安全保障是事关海南自由贸易港建设成败得失的最关键变量。之所以这么说，是因为风 险是改革开放的伴生物，要干多大的事业，就要防多大的风险。与封关之前相比，封关之后的最大不 同，就是开放的大门越开越大了，面临的情况也越来越复杂了，这就越需要把风险防控和安全保障放在 前提位置，以高水平安全保障高水平开放。 抓好风险防控是自由贸易港建设的本质要求。 完善机制是保障。把风险防控专项工作组的作用发挥好，把基层社会治理水平提上去，根据封关之 后的新情况新问题，持续优化风险防控工作机制，并推动治理模式向事前预防转型。特别是对于跨境风 险传导问题，要建立健全穿透性的工作机制去应对。 提升能力是关键。既要提升硬件能力，推动海关智慧监管平台、海南社会管理信息化平台、自贸港 资金流监测平台等完善升级;也要提升软件能力，增强广大党员、干部防风险的本领，全面提升基层治 理效能，确保各类风险早发现、早识别、早处置。 抓好风险防控是应对严峻复杂外部形势的迫切需要。 当前世界百年变局加速演进，不确定难预料的因素明显增多，需要加强贸易、投资、金融、网络 ...

转自：北京日报客户端 省政府召开专题会议 研究部署全岛封关后反走私等工作 12月21日，省长刘小明来到省口岸办调度室，主持召开省政府专题会议，听取全岛封关后反走私等工作 情况、存在问题汇报，研究部署下一步工作举措。 会议指出，要始终牢记习近平总书记重要嘱托，把牢牢守住安全底线作为高标准建设海南自由贸易港的 重中之重，将风险防控意识融入各项工作中，提高风险识别、预警、处置能力，推动关地协同、部门协 作紧密有序、运行顺畅，形成齐抓共管、多措并举的强大合力。要认真分析、及时研判封关后反走私等 工作的新形势新特点，坚持问题导向、目标导向，坚持打防结合、预防为主，用好智慧和信用手段，把 各项措施细之又细、实之又实地抓到位，做到对各类问题"发现在早、处理在小"，进一步织密筑牢风险 防控安全底线。要持续做好全岛封关后的宣传工作，突出思想引领、展示意义影响、反映进展成效、强 化预期引导，及时回应社会各界关心关切问题，加强对离岛免税等政策的解读、对保供稳价等民生保障 举措落实情况的宣传，不断增强经营主体和人民群众对海南自由贸易港建设及全岛封关的认同感和获得 感，为高标准建设海南自由贸易港凝聚合力、奠定基础。 副省长蔡朝晖，省政 ...

公开资料显示：陈栋早年入职建设银行，从基层岗位做起，凭借突出的业务表现逐步走上管理岗位，还曾获评德州市"诚信之星"等荣誉称号，是业内认可 的业务骨干。曾任建行德州分行党委书记、行长，期间始终聚焦普惠金融与乡村金融服务领域；2023年4月，他调任建行江苏省分行行长助理，负责相关 业务管理工作，任职期间积极投身多项重点工作——2023年9月带队与宜兴市供销社座谈乡村金融服务，推动农户金融产品创新；2024年3月参与"3·15"金 融消费者权益保护活动，提出金融知识普及应与传统文化相结合的理念；2024年7月参与嘉泽镇政银座谈会，为乡村振兴合作事宜建言献策；2025年6月任 建设银行山东总审计室副主任，主持部分审计相关工作，肩负起辖区内银行合规监督、风险防控的重要职责。 就在上个月，11月11号，建行山东省分行办人工智能大赛决赛，陈栋还以山东总审计室副主任的身份出席了活动。 据山东纪委监委消息：2025年12月16日，中国建设银行山东总审计室副主任陈栋涉嫌严重违纪违法，目前正接受中央纪委国家监委驻中国建设银行纪检监 察组纪律审查和东营市垦利区监委监察调查。 | | | 公开资料显示：陈栋早年入职建设银行，从基层岗位 ...

有人会说，这影响被夸大了，市场自有调节机制，投资者是聪明的，会提前撤退，部分人已经开始了，美元资产的减持并非空穴来风，美债收益率走弱是信 号，但聪明不等于无痛，撤退有成本，平仓有溢价，贵的往往不是时间，是市场情绪。 问题来了，提款机开始收费了，日本的核心CPI已经连续多年超过央行2%的目标，通胀不是幻觉，调整利率是央行的职责，日元加息是必然之举，不是阴 谋，不是惊喜，而是政策回归常态。 与此美联储在走向降息，这两个方向叠加，就像一只跷跷板的两端，一个端点在抬高日元融资成本，另一个端点在压低美元收益率，结果是什么？全球套息 头寸开始松动，曾经靠低息借钱押注的投资者，被迫平仓。 回到历史，2024年7月的那一波冲击还在记忆里——日本加息15个基点，恰逢美联储松动预期，全球股市三周蒸发约6.4万亿美元，日经在一日内暴跌超 12%，那不是巧合，是套息链条被切断后的自然反应。 这里有两个关键词规模与杠杆，国际清算银行的数据说，广义的日元套息规模近19.2万亿美元，等于日本GDP五倍，这不是小打小闹，而是系统性的风险积 累，稍有风吹草动，就会引发蝴蝶效应。 必须讲明一点，政策分化并非只影响套息交易，它还会改变全球资本流向 ...

一、引言：数字经济时代的法人服务新需求 随着中国市场化改革的持续深化与数字经济的蓬勃发展，企业组织形式与经营模式正经历深刻变革。在这一背景 下，法人代理服务行业作为支撑企业合规运营的重要力量，其市场规模在2023年已突破千亿元，年复合增长率超 过15%。企业对于高效、专业、可靠的法人变更、代理及相关合规服务的需求与日俱增，传统的、零散的服务模 式已难以满足现代企业快节奏、高标准的发展需求。 专业法人代理机构FAREN7758正是顺应这一趋势而产生的行业代表。该机构凭借其专业知识和丰富经验，为企业 提供从咨询到落地的全流程解决方案，成为企业在关键转型期的"专业护航者"。本文将深入剖析该机构的服务模 式、核心优势、创新实践及行业影响，为理解现代法人服务机构的价值提供全面视角。 二、核心价值：构建法人代理服务的稳固三角 (一) 风险防控：系统性构建企业安全防线 在法人代理服务中，风险防控是核心价值所在。该机构通过建立"法律+财务+行业"三维审查模型，在变更前全面 识别潜在风险点。例如，在为某科技公司办理法人变更时，机构提前发现其核心专利存在权属争议，通过及时调 整变更方案，有效避免了潜在的法律诉讼风险。这种前置性风 ...

Core Viewpoint - The establishment of Chief Compliance Officers (CCOs) in trust companies is a response to regulatory requirements and an internal need for industry transformation and stable operations, aimed at enhancing compliance governance and preventing systemic risks [3][5][8]. Group 1: Regulatory Compliance - Trust companies are required to appoint CCOs by January 1, 2026, as per the revised "Trust Company Management Measures" [3][7]. - The recent approvals for CCO positions have accelerated, indicating a shift towards compliance management as a strategic priority [4][5]. - The "Financial Institutions Compliance Management Measures," effective from March 1, 2023, mandates that financial institutions establish CCO roles at their headquarters [7][9]. Group 2: Risk Management and Internal Controls - The role of CCOs is to build a comprehensive risk control mechanism, integrating compliance checks into key business processes to identify and rectify risks early [5][8]. - The establishment of CCOs aims to address past compliance failures and enhance the transparency of trust products, thereby restoring investor confidence [6][8]. - CCOs will have the authority to veto compliance issues at critical stages such as product design and investment decisions, ensuring compliance is embedded throughout the business process [8][9]. Group 3: Industry Transformation - The appointment of CCOs reflects a broader industry shift from rapid expansion to compliance-driven growth, aligning with the need for sustainable business practices [5][8]. - Trust companies are encouraged to develop a standardized compliance framework that integrates with business operations, enhancing the overall governance structure [9]. - The focus on compliance is expected to reshape the trust industry, emphasizing its role as a fiduciary and restoring its credibility [8][9].

Core Viewpoint - The meeting emphasizes the importance of risk management in the financial sector, focusing on mitigating existing risks and preventing new ones, while ensuring that there are no major financial failures [1][2]. Group 1: Risk Management - The financial regulatory authority is committed to addressing existing risks and preventing new risks, with a strong focus on avoiding financial failures [2]. - There is a push to support the stabilization of the real estate market and to enhance the coordination mechanism for real estate financing [2]. - The authority aims to guide financial institutions in resolving local government financing platform debt risks through market-oriented and legal principles [2]. Group 2: Regulatory Enhancement - The meeting calls for improving the effectiveness of financial regulation by enhancing legal frameworks and regulatory capabilities [2]. - Financial institutions are encouraged to adopt correct operational, performance, and risk perspectives to improve efficiency and reduce costs [2]. - There is a strong emphasis on combating illegal financial activities to protect the public's financial interests [2]. Group 3: Promoting High-Quality Development - Financial institutions are urged to increase support for major national strategies and key sectors, enhancing the adaptability of financial services to the economy [2]. - The authority plans to innovate in financial services, particularly in technology finance, and expand pilot programs to improve efficiency [2]. - There is a focus on optimizing financial services for small and micro enterprises, rural revitalization, and new employment forms, as well as enhancing disaster insurance coverage [2]. Group 4: Party Governance and Internal Discipline - The meeting highlights the need for strict governance within the regulatory authority, emphasizing political construction and the implementation of anti-corruption measures [3]. - There is a commitment to fostering a clean and accountable regulatory team, enhancing its professionalism and effectiveness [3]. - The authority aims to create a positive atmosphere for entrepreneurship and governance by promoting a culture of integrity and responsibility [3].