每经记者｜杨建 每经编辑｜肖芮冬 ｜2025年12月25日 星期四｜ NO.1 央行等八部门：支持探索推进与新加坡数字人民币跨境支付试点 12月24日，中国人民银行等八部门印发《关于金融支持加快西部陆海新通道建设的意见》。《意见》提 出，探索数字金融国际合作。支持沿线省（区、市）参与多边央行数字货币桥项目，推动与泰国、阿联 酋、沙特阿拉伯等进行跨境支付，使用央行数字货币。支持探索推进与新加坡数字人民币跨境支付试 点。支持沿线有条件的省（区、市）建设跨境电商数字服务平台，与新加坡等国家跨境电商和贸易数字 化平台公司对接，提升跨境电商服务能力。 NO.5 商务部：加大政策支持，推进贸易投资一体化、内外贸一体化 商务部张力12月23日主持召开外贸企业圆桌会，就2025年进出口情况、2026年外贸形势等议题进行交 流。张力表示，今年以来，面对异常复杂严峻的外部形势，我国外贸顶住压力，进出口较快增长，结构 不断优化，为推动国民经济发展和就业稳定发挥了积极作用。下一步，商务部将立足商务工作"三个重 要"定位，加大政策支持，促进外贸创新发展，推进贸易投资一体化、内外贸一体化，推动外贸实现"十 五五"良好开局 NO.6 中国 ...

"在客户服务中，以适当性管理守护投资者权益。"陈海东表示，公司运用"鑫财富"管理平台建立了有效 的客户适当性管理体系，确保每一笔投资建议客观审慎、每一个产品风险评级都经过严谨评估。通过全 流程诚信监督机制，华鑫证券客户投诉率持续下降，满意度稳步提升，市场信誉成为公司最珍贵的无形 资产。 在新时代金融强国建设的征程中，中国特色金融文化不仅是行业健康发展的精神内核，更是金融服务中 国式现代化的价值基石。华鑫证券总经理陈海东日前在接受中国证券报记者专访时表示，公司深刻把握 中国特色金融文化的内涵，强化党建引领，以"义利相生、守信如金、敬畏风险、金融为民"为核心，将 文化软实力转化为服务实体经济的硬核动力，通过科技赋能、业务创新与党建引领，构建具有华鑫特色 的高质量发展路径。 ● 本报记者徐昭林倩 坚守"义利相生"服务国家战略展现新作为 华鑫证券始终秉持"计利当计天下利"的格局，将服务国家战略作为业务发展的根本导向，在科技金融、 绿色金融、数字金融等领域精准布局，推动金融资源向关键领域汇聚。 据陈海东介绍，在科技金融领域，公司成功落地全国首单技术产权(技术交易)ABS项目，截至2025年9 月末，该项目已发行3期，累 ...

Core Viewpoint - The development of a distinctive financial culture in China is essential for the healthy growth of the financial industry and serves as a foundational value for modernizing financial services in a Chinese context [1]. Group 1: Financial Strategy and Innovation - The company emphasizes the principle of "benefit and righteousness coexist," aligning its business development with national strategies, particularly in technology finance, green finance, and digital finance [1]. - In technology finance, the company successfully launched the first national technology property ABS project, raising 266 million yuan for 32 high-tech enterprises, supporting 88 technology property projects and 21 technology transaction contracts [1]. - The company issued the first knowledge property ABS in Chongqing with a record low interest rate of 1.96%, significantly reducing financing costs for tech enterprises [2]. Group 2: Green Finance Initiatives - The company acted as the plan manager for a green ABS project worth 800 million yuan, covering solar power, waste treatment, and green transportation, which is expected to reduce CO2 emissions by 501.95 tons annually [2]. - The company also issued the first data asset ABS in the country, raising 13.37 million yuan for nine enterprises, marking a breakthrough in the capitalization of data assets [2]. Group 3: Compliance and Trust - The company integrates "integrity as gold" into its governance, customer service, and operations, establishing a trust-centered financial service system [2]. - A customer suitability management system was developed through the "Xin Wealth" platform, ensuring objective investment advice and rigorous risk assessments [2]. Group 4: Operational Management and Risk Control - The company implemented an intelligent management system that binds employee roles with responsibilities, enhancing permission management and risk monitoring [3]. - A comprehensive risk management system is in place, focusing on real-time monitoring and automated management of operations to ensure compliance and risk mitigation [5]. Group 5: Inclusive Finance and Investor Education - The company launched the "Smart ETF" service channel, increasing ETF trading penetration from 3.5% to 4.2% within a year, significantly lowering investment barriers [4]. - The company issued a 300 million yuan bond linked to low-carbon transformation, supporting small and micro enterprises while achieving a record low interest rate for similar issuances in the Northwest region [4]. - The company conducts over 100 public financial literacy events annually to enhance the financial knowledge of the general public [4]. Group 6: Cultural Integration and Future Directions - The company aims to deepen its cultural foundation, enhancing the political and public nature of financial services, and continues to explore ways to inject more financial vitality into the real economy [6].

据港交所12月24日披露，深圳四方精创（300468）资讯股份有限公司(简称：四方精创)向港交所主板递 交上市申请书，招银国际、国信证券(香港)为其联席保荐人。 | [编纂]項下的[编纂]數目 | | [编纂]股H股(祝乎[编纂]行使奥否而定) | | --- | --- | --- | | [编纂]數目 | : | [编纂]股H股(可予[编纂]) | | [编纂]數目 | : | [编纂]股H股(可予[编纂]及税乎[编纂]行使與否而定) | | 成局[编纂] | .. | 每股H股[编纂]港元,另加1.0%經紀佣金、0.0027% | | | | 證監會交易機費、0.00015%會財局交易微費及 | | | | 0.00565%聯交所交易費(須於申請時以港元繳 | | | | 足,多繳款項可予退還) | | 面 低 | : | 每股H股人民幣1.00元 | | [禮養] | | [岩意] | | 滕席保藤人 ·[编纂] | | | | ARI公 招 银 星 | | 國信證券(香港) | 公司简介 公司客户集中度较高，在往绩记录期间的各年度及期间，来自五大客户的收入分别占于2022年、2023 年、2024年 ...

智通财经APP获悉，据港交所12月24日披露，深圳四方精创资讯股份有限公司(简称：四方精创)向港交 所主板递交上市申请书，招银国际、国信证券(香港)为其联席保荐人。 公司简介 | [编纂]項下的[编纂]數目 : | [编纂]股H股(祝乎[编纂]行使奥否而定) | | --- | --- | | [编纂 致目 | [编纂]股H股(可予[编纂]) | | [消差 颜目 | [编纂]股H股(可予[编纂]及税乎[编纂]行使與否而定) | | 成局 景 | 每股H股[编纂]港元,另加1.0%經紀佣金、0.0027% | | | 設監育交易機書、0.00015%會財局交易教費及 | | | 0.00565%聯交所交易費(須於申請時以港元繳 | | | 足,多繳款項可予想還) | | 咱们 | 每股H股人民幣1.00元 | | [裙膏] | [禮意] | | 滕席保藤人、[编纂] | | | ARITA 22 4 | 國信證券(香港) | 招股书显示，四方精创(300468.SZ)是一家扎根大湾区并深耕银行业的金融科技服务提供商，为中国内 地、中国香港及东南亚地区的银行、监管机构及其他金融机构提供金融科技软件开发服务、咨询 ...

智通财经APP获悉，据港交所12月24日披露，深圳四方精创资讯股份有限公司(简称：四方精创)向港交 所主板递交上市申请书，招银国际、国信证券(香港)为其联席保荐人。 | [编纂]項下的[编纂]數目 | : | [编纂]股H股(視乎[编纂]行使與否而定) | | --- | --- | --- | | [编纂]數目 | .. | [编纂]股H股(可予[编纂]) | | [岩景 歌目 | .. | [编纂]股H股(可予[编纂]及税乎[编纂]行使與否而定) | | 最高[编纂] | .. | 每股H股[编纂]港元,另加1.0%經紀佣金、0.0027% | | | | 證監會交易徵費、0.00015%會財局交易徵費及 | | | | 0.00565%聯交所交易費(須於申請時以港元繳 | | | | 足,多繳款用可于想還) | | 面積 | | 每股H股人民幣1.00元 | | 【裙膏】 | | [岩意] | | 滕庙保藤人 ·[编纂] | | | | RIGA 超 組 電 | | 國信證券(香港) | 公司简介 招股书显示，四方精创(300468.SZ)是一家扎根大湾区并深耕银行业的金融科技服务提供商，为中国内 地、 ...

12月24日，济南市政府召开新闻发布会，系统总结了"十四五"期间该市金融业发展成就。济南市委金融 办发布数据显示，五年来济南金融业综合实力显著增强，多项指标稳居全省首位，其中以全国首个科创 金融改革试验区建设为牵引的"五篇大文章"成效突出，为强省会建设注入强劲金融动能。 综合实力显著提升 金融支柱地位凸显 "十四五"时期，济南金融业主要指标实现量质齐升。金融业增加值保持稳健增长，2024年总量达1097.5 亿元，成为拉动经济增长的重要引擎。截至2024年末，本外币存、贷款余额双双突破3万亿元，分别较 2020年末增长42.2%和52.7%。2024年新增直接融资额3761.33亿元，较2020年增长65.7%。信贷资产质量 持续优化，2024年末不良贷款率降至0.61%，居全省首位。 2025年以来，金融业发展势头不减。前三季度金融业增加值完成1030.3亿元，同比增长5.8%；截至11月 末，全济南市本外币存、贷款余额分别达到3.15万亿元和3.46万亿元；前11个月保费收入842.3亿元，同 比增长10.1%；新增直接融资3573.7亿元。主要金融指标继续领跑全省。 强有力的货币政策为济南发展营造了良好 ...

Group 1 - The core viewpoint of the articles emphasizes the transformative impact of digital technologies, such as artificial intelligence, on the financial industry, highlighting the concept of "borderlessness" in digital finance [2][3] - Jiangsu Province is actively promoting digital financial innovation through a systematic approach, including the launch of over 200 specialized digital financial products and the establishment of the first national digital and technology financial research institute [3][6] - SuShang Bank serves as a case study, demonstrating significant efficiency improvements through digital technology, managing 160 billion yuan in assets with only 700 employees, and achieving a revenue growth rate of 18.8% year-on-year for the first half of 2025 [2][4][5] Group 2 - The integration of digital technologies in finance is seen as a systemic transformation, with a focus on enhancing service quality and operational efficiency in the banking sector [3][6] - The bank's commitment to technology investment is notable, with 6% to 8% of annual revenue allocated to R&D, including 10% specifically for AI applications, which are now comprehensively integrated into its credit operations [5][6] - The forum also highlighted the release of the "China Residents Consumption Trend Report (2025)," indicating a stable consumption market with emerging structural trends, and projecting a moderate recovery in total consumption driven by policies aimed at increasing urban and rural residents' income [7]

Core Viewpoint - The People's Bank of China and eight other departments have jointly issued an opinion to enhance financial support for the construction of the Western Land-Sea New Corridor, focusing on improving the financial service system and increasing cross-regional and cross-border financial resource allocation [1] Group 1: Financial Resource Coordination - The opinion emphasizes increasing financial resource coordination, encouraging financial institutions to establish special service mechanisms and joint credit mechanisms for the corridor [3] - It supports the establishment of foreign financial institutions in the corridor region and encourages international financial organizations to set up operational centers [3] - The opinion calls for ensuring funding supply for infrastructure construction and enhancing support for logistics enterprises through diversified financial products [3] Group 2: Infrastructure and Trade Financing - Chongqing will establish a fund to support infrastructure and industrial park construction along the corridor, seeking strategic resource support from institutions like the Asian Development Bank [4] - The opinion aims to enhance the inclusiveness of financial services for small and medium-sized trade enterprises by developing specialized credit products and simplifying processes [4] Group 3: Cross-Border RMB Usage - The opinion proposes measures to facilitate cross-border trade settlement and expand the use of RMB, supporting banks in handling compliant trade settlements for quality enterprises [5] - It encourages banks to facilitate new types of offshore international trade settlement and simplifies foreign exchange registration procedures for qualified non-financial enterprises [5][6] Group 4: Digital Financial Services - A comprehensive financial service platform named "Central Bank Western Land-Sea Smart Integration" will be established to support the digital transformation of financial services [7] - The platform will include functions for financial policy promotion, enterprise financing matching, and financial data statistics [8] - The opinion also explores international cooperation in digital finance and supports the construction of cross-border e-commerce digital service platforms [8]

Group 1 - OPPO is in deep cooperation with Alipay and plans to announce another strategic partnership in January [1] - OPPO's ColorOS product development director denied rumors of rejecting collaboration with ByteDance regarding "Doubao AI phone," emphasizing an open attitude towards partnerships [1] Group 2 - JD's restaurant platform, Seven Fresh Kitchen, has opened 30 stores in Beijing within four months, achieving coverage in major urban areas within the Fifth Ring Road [2] Group 3 - Thunderbolt eSports Hotel has signed over 200 locations nationwide, doubling its scale in six months, with high occupancy rates and a young customer demographic [3] Group 4 - Hyundai Motor Company is recalling over 51,000 vehicles in the U.S. due to safety hazards, including issues with trailer lights and potential short circuits [4] Group 5 - "Yisoo Innovation," a tech company focused on desktop laser processing equipment, has completed a Pre-A round financing of 100 million yuan to enhance core technology and expand product lines [5] Group 6 - Alibaba upgraded its voice model family Qwen3-TTS, introducing new models for voice design and cloning, which can generate human-like voices and enhance applications in various fields [6] Group 7 - Tencent Music launched its AI music creation tool "VEMUS" for public testing, offering a comprehensive platform for music creation with low barriers to entry [7] Group 8 - SoundAI released its multi-modal AI fashion headphones on Kickstarter, designed as a "personal perception tool" integrating sound and vision [8] Group 9 - The National Development and Reform Commission and the Ministry of Commerce released the "Encouragement Directory for Foreign Investment Industries (2025 Edition)," increasing the number of entries to 1,679 [9] - The central bank and eight departments are exploring cross-border digital currency payment trials with Singapore [9] Group 10 - Beijing has adjusted housing purchase policies for non-local residents, reducing the required duration of social insurance or income tax payments for home purchases [10] Group 11 - The State Administration for Market Regulation is implementing stricter regulations for live e-commerce, including the establishment of a supervisory framework [11] Group 12 - Japan's Tokyo Electric Power Company plans to restart the Kashiwazaki-Kariwa nuclear power plant on January 20, marking the first restart of a nuclear reactor since the Fukushima disaster [12][13]