21世纪经济报道记者 吴霜 据21世纪经济报道记者统计，2025年上海市通信管理局加速了对APP（DSK）的合规整顿，截至12月19 日，已经公布了10批次的侵害用户权益APP(DSK）名单，而去年全年仅有2批。其中也出现了不少金融 机构，据记者不完全统计，一共有32家金融机构因为个人信息处理不当等行为被通报，其中有4家银行 和8家保险。 近日，上海市通信管理局官方微信"上海通信圈"发布通报称，"2025年11月，上海市通信管理局向社会 公示了一批存在侵害用户权益行为的APP（SDK）。在规定的整改期限内，经核查复检，尚有38款APP （SDK）未按照要求落实整改，现对上述APP（SDK）采取下架处理"。 此外，上海市通信管理局将对上述APP（SDK）持续跟踪，视情况进一步采取停止接入、行政处罚、纳 入电信业务经营不良名单等处理措施。 记者梳理发现，在38个APP（SDK）中，有上海银行的"上行惠相伴"小程序和众安在线财产保险的三个 小程序"众安家""退货运费险理赔"和"众安企业保"。 | F | 应用名称 | ICP备案主体 | ICP备案号 | | --- | --- | --- | --- | | 름 ...

Core Viewpoint - Postal Savings Bank of China (PSBC) is leveraging technology and innovation to drive high-quality development in the banking sector, with the launch of its "AI2ALL" digital ecosystem as a key initiative [1][18]. Group 1: Technological Advancements - PSBC has initiated a comprehensive upgrade of its core banking systems, focusing on self-research and development to enhance stability and security, which are critical for banking operations [2]. - The bank's third-generation core system has achieved a tenfold increase in peak load capacity, a 97% reduction in single transaction approval time, and a 90% decrease in end-of-day batch processing time [3]. - PSBC is implementing artificial intelligence (AI) as a fundamental pillar of its development strategy, enhancing internal processes and customer interactions [4]. Group 2: AI and Model Development - The bank is pursuing a dual-track approach in algorithm development, combining external partnerships with self-cultivation, including collaborations with Baidu and Tsinghua University [5]. - PSBC has established a comprehensive model management system to ensure the safe application of AI models throughout their lifecycle [7]. - The bank's AI trading robot, "You Xiao Bao," has improved bond trading efficiency by over 95%, showcasing the effectiveness of AI in financial markets [8]. Group 3: Digital Banking Innovations - The latest version of PSBC's mobile banking app, version 11.0, features an AI assistant that enhances user experience through natural language processing [12]. - The app includes a dual protection mechanism for high-risk transactions, marking a significant upgrade in security measures [13]. - PSBC has integrated non-financial services into its mobile banking platform, enhancing customer engagement and satisfaction [14]. Group 4: Financial Inclusion and Green Finance - PSBC is extending its financial services through innovative models like the "Cloud Cabinet," which enhances service delivery in remote areas [11]. - The bank has developed specialized financial products to support green projects, contributing over 5.185 billion yuan to renewable energy initiatives [16]. - As of September 2025, PSBC's green loan balance reached 999.284 billion yuan, significantly contributing to carbon emission reductions [16]. Group 5: Future Outlook - The bank is preparing for the "15th Five-Year Plan," focusing on further developing its digital ecosystem and enhancing its AI capabilities [18]. - PSBC aims to integrate its financial services more deeply into China's modernization efforts, positioning itself as a leader in the digital transformation of the banking industry [19].

银行业数字化转型正在向纵深推进，渤海银行迎来核心管理岗位调整。12月18日，渤海银行发布公告 称，董事会已审议通过相关议案，聘任现任副行长谢凯担任该行首席信息官，任期自国家金融监督管理 总局核准其任职资格之日起，至其副行长（职业经理人）任期届满之日止。目前，谢凯的任职资格尚待 监管核准。 渤海银行成立于2005年12月30日，2006年2月正式对外营业，是最年轻的全国性股份制商业银行。2020 年7月16日在香港联交所主板挂牌上市。截至2025年9月末，渤海银行资产总额19058.76亿元人民币，负 债总额17927.43亿元人民币。前三季度，渤海银行实现营业收入193.26亿元，同比下降2.64%；净利润 达到49.88亿元，同比增长4.65%。 此次获聘首席信息官的谢凯，深耕金融科技领域多年，且已在渤海银行副行长岗位履职四年有余。公开 资料显示，谢凯出生于1972年，拥有高级工程师职称、金融学博士学历。其职业履历始于农业银行，在 农行体系内完成多岗位历练，积累了从总行部门到地方分行的全面管理经验，覆盖电子银行、网络金 融、科技管理等多个领域。 在总行条线，谢凯曾先后出任中国农业银行办公室秘书处副处级秘书， ...

Core Viewpoint - Bohai Bank has appointed Xie Kai as the Chief Information Officer, effective from the date of regulatory approval until the end of his term as Vice President [2] Group 1: Management Changes - Xie Kai, born in 1972 and a financial PhD, has extensive experience in various roles at Agricultural Bank of China before joining Bohai Bank as Vice President in June 2021 [3] - The bank has seen multiple management changes this year, including the resignation of Du Gang as Vice President due to personal reasons [5] - Qi Jun has been approved as the Chief Risk Officer, effective from July 21, 2025, after being selected through a public recruitment process [5] Group 2: Financial Performance - For the first three quarters of the year, Bohai Bank reported a revenue of 19.326 billion, a decrease of 2.64% year-on-year, while net profit reached 4.988 billion, an increase of 4.65% [6] - As of the end of September, the bank's total assets amounted to 1.91 trillion, reflecting a growth of 3.36% from the previous year, and total liabilities reached 1.79 trillion, up by 3.40% [6] - The capital adequacy ratio stands at 10.88%, down by 0.75 percentage points from the end of the previous year, with the Tier 1 capital adequacy ratio at 8.99%, a decrease of 0.31 percentage points [6] Group 3: Digital Finance Initiatives - Xie Kai emphasized the importance of digital finance as a foundational element for the bank's strategic initiatives, focusing on technological capability and networked, intelligent, and ecological business operations [4]

Core Viewpoint - Shandong Agricultural Credit Guarantee Company has successfully transitioned from "scale acceleration" to "quality improvement" over the past eight years, focusing on policy-driven financial support for agriculture and rural development, significantly alleviating financing difficulties for agricultural operators [1][2]. Group 1: Financial Performance and Impact - As of November 2025, the company has provided a total of 221.9 billion yuan in guarantee loans to the agricultural sector, supporting 330,000 agricultural operators, making it the only provincial agricultural guarantee company in China to exceed 200 billion yuan in cumulative guarantees [2][3]. - In the current year, the company added 23.1 billion yuan in guarantee amounts, with an outstanding guarantee amount of 31.72 billion yuan, maintaining a leading position among 33 provincial agricultural guarantee companies [2]. Group 2: Innovative Financial Solutions - The company has introduced innovative financial models, such as electronic warehouse receipt pledges, to address the financing challenges faced by agricultural operators lacking qualified collateral [3][4]. - The company has developed a comprehensive product system targeting key agricultural sectors, including "Agricultural Loan" and "Agricultural Service Loan," which have collectively provided 19.89 billion yuan in guarantee loans to 44,000 grain producers, covering over 14 million acres of planting area [4]. Group 3: Digital Transformation and Efficiency - The company has implemented a digital transformation strategy, creating an integrated guarantee business platform that covers the entire process and includes over 31 subsystems, enhancing operational efficiency and service quality [6][8]. - The digital initiatives have streamlined the loan application process, allowing for rapid approvals and reducing the time from application to funding to as little as 1-3 days [7][8]. Group 4: Collaborative Efforts and Risk Management - The company has established strategic partnerships with 233 banks, creating a collaborative model that shares risks and responsibilities, effectively addressing the challenges of financing in agriculture [11]. - The risk management framework includes a comprehensive data-sharing system and advanced technologies such as remote sensing, which have contributed to a low compensation rate of 0.67%, significantly below the national average [8][9]. Group 5: Support for Rural Revitalization - The company actively collaborates with local governments to enhance financial services for rural revitalization, establishing over 1,000 township workstations to ensure comprehensive coverage and support for agricultural operators [10][11]. - The innovative cooperation model has not only facilitated the implementation of agricultural policies but has also provided robust financial support for the modernization of agriculture and rural revitalization efforts in Shandong [11].

中共安徽省委关于制定国民经济和社会发展第十五个五年规划的建议发布，其中提出，健全现代地方财 税金融管理体制。推进财政科学管理试点，加强财政资源和预算统筹，持续深化零基预算改革。完善国 有资本经营预算和绩效评价制度。加强财会监督。健全政府债务管理制度，加强专项债券"借用管还"全 生命周期管理。全面落实税收法定原则，规范税收优惠政策，完善对重点领域和关键环节支持机制。扎 实推进金融体制改革，发挥全国融资信用服务平台作用，积极发展科技金融、绿色金融、普惠金融、养 老金融、数字金融。壮大多层次资本市场安徽板块，推动企业上市"迎客松行动"计划和"科创100"上市 专项行动扩围提质。全面加强金融监管，促进各类金融机构专注主业、完善治理、错位发展，丰富风险 处置资源和手段，构建风险防范化解体系，保障金融稳健运行。 ...

人民财讯12月19日电，中共安徽省委关于制定国民经济和社会发展第十五个五年规划的建议发布，其中 提出，健全现代地方财税金融管理体制。推进财政科学管理试点，加强财政资源和预算统筹，持续深化 零基预算改革。完善国有资本经营预算和绩效评价制度。加强财会监督。健全政府债务管理制度，加强 专项债券"借用管还"全生命周期管理。全面落实税收法定原则，规范税收优惠政策，完善对重点领域和 关键环节支持机制。扎实推进金融体制改革，发挥全国融资信用服务平台作用，积极发展科技金融、绿 色金融、普惠金融、养老金融、数字金融。壮大多层次资本市场安徽板块，推动企业上市"迎客松行 动"计划和"科创100"上市专项行动扩围提质。全面加强金融监管，促进各类金融机构专注主业、完善治 理、错位发展，丰富风险处置资源和手段，构建风险防范化解体系，保障金融稳健运行。 ...

（公司落地阳江市首单生蚝碳汇保险） 近年来，中国太保产险广东分公司紧跟国家战略，深耕"五篇大文章"，通过产品创新、科技赋能、生态 协同，在转型升级中破解发展难题，在民生服务中彰显金融温度，为南粤大地经济社会高质量发展注入 强劲保险动能。 科技金融激发新动能，服务实体经济筑根基 坚持"保险服务民生"理念，构建多层次普惠保障体系。在医疗保障领域，在全省19个地市开展多形式的 政策性健康险业务，服务超4000万人次，创新推出"穗新保"惠民保险，成为首个多保司联合上线国家平 台实现一站式结算的商业保险，通过"穗新保·太药康"方案为广州市民提供便捷健康服务。深化银保协 同，联合中国银行在佛山主办全国首场"惠企方舟计划"推介会，整合资金管理、信贷融资、风险管理等 资源，为小微企业提供全方位金融支持。助力新市民融入，为9500家企业的6.3万名新市民灵活就业人 员提供风险保障。服务乡村振兴，在广东20个地市开展政策性种植险、养殖险、林险等农险承保理赔服 务，提供超400亿元风险保障，同时深入农村地区开展金融知识普及，让普惠金融惠及每一个角落。 数字金融智慧风控，创新服务模式提效能 以"两器三网"为支撑，探索"保险+服务+科 ...

运河之畔，高楼林立，绿色建筑与智能设施相映成趣；产业园区，创新涌动，科创企业与金融机构协同共生。当"十四五"规划圆满收官的号角吹响，北 京城市副中心这片承载着国家战略与首都厚望的热土，已然从一幅宏伟蓝图蜕变为高质量发展的生动实景。在这幅波澜壮阔的发展画卷中，中国邮政储 蓄银行北京分行（以下简称"邮储银行北京分行"）深耕"融入区域建设、服务实体发展、构建全新生态"三大主线，用金融活水滋养城市肌理，用创新实 践书写责任担当，从"战略迁徙"到"深度赋能"，在与北京城市副中心同频共振中，绘就了一幅金融赋能高质量发展的壮丽画卷。 以战略之姿扎根 筑牢城市发展"金融底座" "城市发展到哪里，金融服务就跟进到哪里。"这是邮储银行北京分行始终坚守的发展理念。2024年11月1日，北京邮储大厦正式启用，邮储银行北京分 行完成了向北京城市副中心运河商务区的战略迁徙，成为首家落户这片创新热土的国有大行首都分行。这一决策，既是对京津冀协同发展国家战略的主 动响应，更是对首都区域发展的坚定认同。 初入北京城市副中心，邮储银行北京分行便感受到了区域发展的"温度"与"效率"。运河商务区管委会推出的"一站式帮办服务"，从企业注册登记、办公 ...

Core Viewpoint - The official launch of the Hainan Free Trade Port's full island closure operation on December 18 marks a new development stage characterized by "one line open, two lines controlled, and free within the island," emphasizing further expansion of openness rather than closure [1] Financial Support and Development - The People's Bank of China has actively promoted financial policies and institutional frameworks suitable for the Hainan Free Trade Port since the release of the overall plan in June 2020, effectively supporting the construction of the port [1] - As of now, all three financial preparations for the closure have been completed, with improvements in cross-border capital flow management systems [1] - The multi-functional free trade account (EF account) has been launched, with a total business volume of 268.9 billion yuan, facilitating capital transfers with 80 countries and regions [2] Loan Growth and Financing Costs - By the end of November, the total balance of various loans in Hainan reached 1.4101 trillion yuan, a year-on-year increase of 11% [2] - Specific sectors such as technology-related industries, green loans, and digital economy loans have seen significant growth, with increases of 9.2%, 25.4%, and 8.4% respectively [2] - The average interest rate for general loans in Hainan was 3.18% as of October, a decrease of 0.34 percentage points compared to the previous year [3] Cross-Border Financial Services - The establishment of a comprehensive system for cross-border financial openness, including monitoring and early warning mechanisms, enhances the ability to prevent financial risks [3] - The People's Bank of China has issued guidelines for cross-border asset management pilot business, with initial applications totaling 5 billion yuan from four institutions [4] Digital Payment Innovations - The digital yuan pilot program is advancing, with significant coverage in various sectors, including duty-free shopping and rural revitalization [5] - The "Hainan Wallet" project has been successfully launched, and mobile payment products have seen transaction numbers and amounts increase by 97.46% and 100.11% respectively [5] - The rapid development of mobile payment products enhances payment convenience and meets diverse consumer needs, contributing to innovation in the payment sector [5]