Japan’s Government Pension Investment Fund suffered a quarterly loss as a depreciating dollar dragged down the value of its overseas securities and domestic assets slumped https://t.co/IYhWkBtWtv ...

Core Viewpoint - A study suggests that longer suspensions for users exhibiting bad behavior on platforms like Roblox can effectively reduce repeat offenses without significantly impacting overall user engagement [2][8][11]. Group 1: Study Findings - The research conducted by Northeastern University and Roblox indicates that longer suspensions not only decrease the likelihood of repeat offenses but also maintain user engagement levels [2][8]. - In experiments involving nearly 800,000 users, longer suspensions (one-day vs. one-hour and three-day vs. one-day) were tested to assess their effectiveness [5][7]. - The results showed that longer suspensions led to a 13% reduction in reoffense rates for first-time violators, while frequent violators only saw a 4% decrease [9]. Group 2: User Engagement - Despite the implementation of longer suspensions, there was minimal impact on the time users spent on Roblox, with a maximum decrease of only 2% [8]. - The study highlights the importance of balancing disciplinary actions with user engagement, suggesting that effective consequences do not necessarily drive users away from the platform [3][10]. Group 3: Implications for Policy - The findings have already influenced Roblox's suspension policies, with hopes that other platforms will adopt similar strategies based on the targeted effectiveness of consequences [11][12]. - The research emphasizes that longer suspensions should be part of a broader strategy that includes proactive and educational measures to achieve more lasting behavioral changes [11].

Nearly 11 million people in the Netherlands will switch to a new retirement plan from January 2026, as the country embarks on a pension overhaul that’s expected to spur volatility across European bond markets https://t.co/SnIsFqfoor ...

France’s minority government on Tuesday survived a no-confidence motion over the pension reform thanks to Marine Le Pen’s far-right party abstaining in the vote. https://t.co/TWkhNV9Viw ...

From today, Australian workers get a final boost to their mandatory retirement contributions — a key milestone for the country’s A$4.1 trillion ($2.7 trillion) pension system https://t.co/AlPIyx3cTA ...

对于当前监管面临的挑战，张健华指出，其一，不同规模机构监管标准存在差异化需求，大型机构需着 重防范系统性风险，而小型机构相对有较高的创新容忍度；其二，监管部门存在技术投入与人才储备不 足的问题，比如中小银行科技预算达千万级，监管部门的预算水平甚至更低。因此，在数字金融监管 中，需平衡好技术安全与创新的关系，金融业界与监管部门要相互奔赴、协同融合，共同构建适应数字 金融发展的监管体系。 张健华在货币银行理论、金融监管与改革、金融稳定与风险管理、金融科技与数字金融、商业银行经营 管理及数字化转型、消费金融等领域深耕多年，学术积淀深厚。他现任清华大学五道口金融学院与中国 人民银行金融研究所博士生导师，同时兼任中国人民银行参事室特约研究员、中国金融学会理事、《金 融研究》编委及中国保险行业协会核心咨询专家。此外，他作为中国金融40人论坛创始成员，同时担任 中国财富管理50人论坛成员与中国数字金融合作论坛秘书长，在金融行业实践与学术研究的跨界融合中 发挥着重要作用。 同时，与会者对数字金融在细分领域，如普惠金融、绿色金融、养老金融等的实践与挑战也提出了各自 的看法。 中国建设银行普惠金融事业部平台经营处副处长侯燕伟表示 ...

自基金投顾试点五年以来，我国买方投顾业务取得了哪些成效与展业经验，又面临着怎样的发展趋 势与挑战？在养老金融中，投顾将扮演何种关键角色？ 在晨星中国2025年度投资峰会上，易方达基金副总裁陈彤先生以《买方投顾之中国实践》为题，深 度剖析了中国投顾业务五年试点的成效、挑战与未来方向。 易方达基金副总裁陈彤 01 实践体会：坚持买方立场 陈彤先生指出， 基金投顾在改善投资者收益体验方面成效显著 ，数据显示，多家投顾试点机构 客户盈利占比达70%以上。他认为， 投顾的价值是多维度的 ：它能改善客户的实际收益，也能有 效提供新的就业岗位，重置行业流量入口与销售格局，减少买卖双方的信息不对称，可以作为有 效的外部约束帮助资管行业重塑客户信任，优化行业基础设施建设。 陈彤强调， 投顾一定要坚持买方立场，培养真正将客户利益放在首位的文化 。他分享了围绕买 方投顾的一系列实践体会，例如：为实现客户利益最优，必须坚持全市场筛选基金；投顾板块应 设立与资产管理相隔离的独立投研团队，因为投资基础资产与研究基金产品存在差异，管理基金 的基金经理并不一定擅长做基金配置；同时，顾问与销售人员的立场、知识体系和目标不同，二 者也要分离。 ...

开放合作是中国金融改革发展的强大动力。中国的金融开放不仅惠及自身，也为全球资金提供了良 好的资产配置机会。据介绍，目前，全球前50大银行有42家在华设有机构，40家最大的保险公司近半数 已进入中国。外资银行和保险机构总资产超过7万亿元。外资保险公司保费占国内市场份额，已从2013 年的4%提升至目前的9%。同时，中资机构也在70多个国家和地区广泛展业。 李云泽表示，中国拥有充满活力和潜力的超大规模市场，过去是、现在是、将来也必然是全球金融 机构展业兴业的沃土。不少外资机构在消费金融、普惠金融领域有丰富经验和独特专长，深耕中国市场 必将大有作为。欢迎外资机构深度参与中国科技金融、数字金融实践，支持外资机构广泛参与中国绿色 金融市场。希望更多外资机构积极参与养老理财、养老储蓄、专属养老保险和商业养老金试点，更好发 挥产品设计、保险精算、投资管理等专业优势。支持外资机构在理财投资、资产配置、保险规划等领域 加大布局，更好满足客户财富保值增值等综合化金融需求。 新华社上海6月18日电（记者李延霞、桑彤）国家金融监督管理总局局长李云泽18日表示，中国金 融高水平开放前景广阔，将进一步拓展金融开放的广度和深度，稳步扩大金 ...

878%. Suspended youth have an 878% higher risk of incarceration in comparison to their peers. That's a staggering, frightening number. Showcases how our Canadian education system is failing our youth. This is not just a statistic. This is a crisis known as a school to prison pipeline. And by solving this crisis, we can tap into minds, creativity, and innovative ideas our current educational system would rather have brought in jail cells. ideas with the potential to revolutionize industries, inspire cultural ...

May for LHV was characterised by the rapid growth of the loan portfolio. Profitability was impacted by the ongoing decline in interest rates and the partial reversal of previous impairments. LHV Group’s consolidated loan portfolio grew by EUR 104 million in May. At the same time, the total volume of deposits decreased by EUR 34 million. The volume of funds managed by LHV decreased by EUR 11 million over the month. In May, 6.7 million payments related to financial intermediaries were made. In May, AS LHV Gro ...