21世纪经济报道记者 郭聪聪 北京报道 21世纪经济报道记者注意到，4月29日，国家金融监督管理总局西藏监管局在其官网发布的一则行政处罚信息公开表显示，西藏金租存在通过编造虚假业务 等方式隐匿关联交易、部分租赁业务经营严重不审慎形成风险、报送虚假报表资料、公司治理和内部控制失效等多项违法违规行为，严重违反审慎经营规 则，该局决定吊销西藏金租金融许可证。 一纸行政处罚决定，宣告了西藏金融租赁有限公司（下称"西藏金租"）的终结，这家曾经创造"两年破百亿"规模奇迹的金租公司，最终因财务造假、违规经 营等问题走向末路。 （西藏金租股东信息 来源：企业预警通） 凭借政策红利和股东背景，西藏金租实现了"两年破百亿"的规模奇迹——资产规模在短短两年内突破百亿元，业务范围迅速覆盖航空、能源、基建等多个资 金密集型领域。然而，在超常规发展背后往往隐藏着致命隐患，西藏金租的商业模式存在着三大结构性缺陷： | 序 | 当事人名 | 主要违法违规行为 | 行政处罚 | 作出决定 | | --- | --- | --- | --- | --- | | 島 | 称 | | 内容 | 机关 | | | 西藏金融 租賃有限 | | | 西藏 ...

Core Insights - Artificial intelligence (AI) is recognized as a strategic technology that significantly transforms production and lifestyle, with the Chinese government emphasizing its importance in enhancing the country's overall capabilities in this field [1][2] - The integration of AI in the financial sector is crucial for improving service quality and efficiency, as well as for driving financial innovation [2][3] Group 1: AI in Financial Services - AI applications in finance span the entire service chain, from marketing to operations and decision-making, enhancing customer service, fraud detection, credit assessment, and personalized investment advice [3][4] - The use of big data and AI algorithms in credit risk assessment, particularly in the "big technology credit" sector, addresses financing challenges faced by small and medium-sized enterprises (SMEs) [4] Group 2: Financial Stability and Risk Management - AI can alter the mechanisms of financial risk formation and transmission, potentially stabilizing the financial system by reducing reliance on collateral for credit decisions [5] - While AI enhances service quality, it also raises concerns about new financial risks, such as data security, algorithm transparency, and ethical issues [6][7] Group 3: Regulatory Considerations - Financial regulators need to adapt to the evolving landscape of AI in finance by enhancing regulatory capabilities, focusing on technology oversight, and establishing algorithm review systems [7] - The establishment of a "regulatory sandbox" could facilitate innovation while managing risks, allowing for a balanced approach between regulation and innovation [7] Group 4: National Strategy and Development - China aims to strengthen its position as a leader in AI applications within the financial sector, contributing to high-quality financial development while ensuring systemic financial stability [8]

长江商报消息 ●长江商报记者 刘倩雯 为进一步强化金融资产管理公司监管，促进金融资产管理公司高质量发展，4月11日，国家金融监督管 理总局印发《关于促进金融资产管理公司高质量发展 提升监管质效的指导意见》（以下简称《指导意 见》）。 《指导意见》从总体要求、完善公司治理、坚守主责主业、强化风险防控、提升监管质效等方面，提出 促进金融资产管理公司高质量发展的十六条意见措施。 《指导意见》提出，金融资产管理公司要聚焦发挥特色功能，加快培育核心竞争力，做强做优不良资产 收购处置业务，服务化解中小金融机构、房地产等领域风险，促进实体经济健康发展。要持续加强风险 管理和内控机制建设，强化存量风险资产处置，严控增量业务风险，加强资产负债和流动性管理，推进 瘦身健体。 资产负债管理同样被高度重视。《指导意见》指出，公司应合理确定业务投放规模，避免盲目扩张和负 债驱动式增长。建议适当提高中长期负债占比，改善资产负债匹配程度，守好流动性安全底线。同时鼓 励通过发行金融债、资产证券化产品等多种方式拓宽资金来源渠道，增强资本实力。 此外，瘦身健体也成为监管重点之一。金融资产管理公司应稳妥推进附属机构优化整合，回归主责主 业，提升资 ...

Core Viewpoint - The recent guidelines issued by the Financial Regulatory Bureau aim to enhance the regulation of financial asset management companies, promoting their high-quality development through 16 specific measures focusing on governance, risk management, and operational efficiency [1][11]. Group 1: Focus on Core Responsibilities - Financial asset management companies are urged to concentrate on their primary functions, particularly in the acquisition and disposal of non-performing assets, to address the increasing demand for asset resolution [3][4]. - The guidelines emphasize the importance of financial asset management companies in mitigating risks for small and medium-sized financial institutions and the real estate sector, thereby reinforcing their role in the economy [4][5]. Group 2: Risk Management and Internal Controls - Continuous enhancement of risk management and internal control mechanisms is mandated, with a focus on managing existing risk assets and controlling new business risks [7][8]. - The guidelines advocate for a balanced approach to asset-liability and liquidity management, discouraging reckless expansion driven by liabilities [8]. Group 3: Regulatory Framework and Compliance - The guidelines call for the improvement of the regulatory system, emphasizing the need for robust supervision and enforcement against illegal activities within the sector [9][10]. - A multi-layered and differentiated regulatory framework will be developed to adapt to the unique characteristics of financial asset management companies [9]. Group 4: Support for Small and Medium-sized Financial Institutions - Financial asset management companies are encouraged to enhance their service capabilities towards small and medium-sized financial institutions, facilitating the acquisition and management of their non-performing assets [5][6]. - The guidelines highlight the necessity for collaboration between financial asset management companies and local asset management firms to create a more effective ecosystem for asset resolution [5].

Group 1 - The State Council's Tariff Commission announced an increase in tariffs on U.S. imports from 84% to 125% starting April 12, indicating that U.S. goods have no market acceptance in China at current tariff levels [3] - The Ministry of Commerce criticized the U.S. for its high tariffs on China, stating that such measures have become a "numbers game" with no real economic significance, and warned of resolute countermeasures if the U.S. continues to harm China's interests [3] - The Shenzhen Stock Exchange outlined a plan for long-term capital market entry, focusing on product supply, optimizing trading mechanisms, and promoting targeted investment strategies [3] Group 2 - U.S. stock indices closed higher, with the Dow Jones up 1.56% at 40,212.71 points, and the S&P 500 rising 1.81% to 5,363.36 points, driven by gains in major companies like Apple and JPMorgan [5] - European stock indices showed mixed results, with Germany's DAX down 0.92% and the UK's FTSE 100 up 0.64% [6] - Major Asia-Pacific indices fell, with Japan's Nikkei 225 down 2.96% and South Korea's KOSPI down 0.5% [6] Group 3 - The International Financial Association reported a net outflow of $17.1 billion from emerging market fixed income and equities in March, marking the largest monthly outflow since August 2023 [6] - International gold futures surged 2.44% to $3,254.90 per ounce, reaching a new historical high, with a weekly increase of 7.23% [6] - Brent crude oil prices rose 1.99% to $64.59 per barrel, despite a weekly decline of 1.51% [6] Group 4 - The National Financial Regulatory Administration issued guidelines to promote the high-quality development of financial asset management companies, emphasizing the need for a balanced approach to asset growth [11] - The Ministry of Commerce reiterated its stance against unilateral U.S. tariffs, asserting that such actions violate WTO rules and disrupt multilateral trade systems [11] - The People's Bank of China conducted a 285 billion yuan reverse repurchase operation at a rate of 1.50%, with no reverse repos maturing that day [11] Group 5 - A-shares and Hong Kong stocks rebounded for four consecutive days, with the Shanghai Composite Index closing up 0.45% at 3,238.23 points [14] - The Hang Seng Index rose 1.13% to 20,914.69 points, with significant buying in gold and semiconductor sectors [14] - The Taiwan Weighted Index closed up 2.78% at 19,528.77 points [15] Group 6 - The China Securities Regulatory Commission approved Huazhi Jie’s IPO registration on the Shanghai Stock Exchange [15] - The Shanghai Stock Exchange took regulatory measures against 155 instances of abnormal trading behavior this week [15] - China Mobile launched AI glasses with integrated features for real-time translation and meeting management [16] Group 7 - The Ministry of Industry and Information Technology reported that China's automobile production and sales reached 7.561 million and 7.47 million units respectively in Q1, with a year-on-year increase of 14.5% and 11.2% [26] - The semiconductor industry association announced new rules for the origin certification of semiconductor products [26] - The IDC forecasted that China's gaming cloud market will reach $1.87 billion in 2024, growing at a compound annual growth rate of 6.9% [26] Group 8 - The U.S. Federal Reserve indicated that tariffs and trade uncertainties are significant factors affecting economic growth, which is expected to slow to 1% this year [28] - The U.S. March PPI rose 2.7% year-on-year, below expectations, while core PPI increased by 3.3% [28] - The UK reported a 1.4% year-on-year increase in GDP for February, exceeding expectations [29]

Core Insights - The case of Jia Zhihong, who defrauded over 25 billion yuan through the use of pledged fake gold, highlights significant vulnerabilities in the financial system and regulatory mechanisms [1][7] Group 1: Background of the Case - Jia Zhihong, a former military personnel turned entrepreneur, founded Jinhuang Jewelry and grew it into one of China's largest gold jewelry manufacturers [3] - His company went public on NASDAQ in 2010, marking his entry into the capital market [3] - Despite the fraudulent activities, Jia did not flee but instead expanded his business empire into various sectors including hydrogen energy vehicles, real estate, and healthcare [3] Group 2: Financial Institutions Involved - A total of 15 financial institutions fell victim to Jia's scheme, leading to massive financial losses [1] - Financial institutions had inadequate risk control systems and were overly reliant on insurance policies, failing to verify the authenticity of the pledged gold [5] - The allure of high-interest financing terms offered by Jia led some institutions to overlook red flags, prioritizing short-term gains over due diligence [5] Group 3: Impact on Companies - Hengfeng Bank reported losses of 6.5 billion yuan, while Minsheng Trust, part of the Pan Hai Group, faced over 4 billion yuan in exposure, resulting in a significant credit impairment loss [6] - Pan Hai Holdings' total liabilities approached 100 billion yuan, with a debt-to-asset ratio reaching 90%, leading to its stock being delisted [6] Group 4: Legal Consequences - Jia Zhihong was sentenced to life imprisonment for his crimes, with other involved parties receiving varying prison terms [6] - The case has raised profound questions about the integrity of the financial system and the effectiveness of regulatory oversight [7]

美国财政部部长贝森特（资料图，Reuters） 美国财政部部长贝森特将关税定位为国际经济体系平衡的修正，表示美国的强劲消费一直吸收陷入需 求不足的其他国家的过剩供应，而强大的军事力量则弥补了其他国家国防开支的不足…… 美国财政部部长贝森特3月6日在就任后的首次演讲中说明了今后的经济政策。将放松金融监管、关税和 经济制裁定位为三大重要支柱。强调称"用关税来反击"中国的产能过剩，表示关税上调导致物价上涨 是"一次性的价格调整"，表现出不将其视为问题的态度。 贝森特在美国纽约经济俱乐部主办的会议上发表演讲。 市场警惕对加拿大和墨西哥等国的关税提高将导致通货膨胀率上升和经济减速，股价出现暴跌。在贝森 特演讲之前，美国总统特朗普在社交媒体上表示，将暂缓提高对墨西哥进口商品的关税。 在演讲后的提问中被问及对物价的影响时，贝森特解释称，转嫁到国内价格上的现象不会持续发生，表 示希望这只是暂时的影响。 贝森特还呼吁放宽以金融为中心的监管。对拜登前政府批评称，"过去几年的过度政治监管忽视了重大 风险，阻碍了经济增长，扼杀了技术创新"。 指出雷曼危机后推进的金融机构自有资本监管"应反映当前的经济需求"。提出谨慎看法认为，为了防止 ...

国家金融监督管理总局 （简称 ：金监总局 ） 是国务院 14个直属机构之一。 国家金融监督管理总局位于北京西城区金融大街，位于于西二环中路附近，正南边是北京银行总行 大楼。 。 一个直属行政机构为 金监总局稽查总队 ； 3个所属事业单位分别是 金监总局机关服务中心、培训 中心和金融消费者权益投诉调解中心 。 金监总局前身是 中国银行保险监督管理委员会 ，因此 主要负责银行和保险等金融行业的监督管理 截至目前，国家金融监督管理总局设有 28个司局机构、1个直属行政机构和3个所属事业单位 。 其中 28个司局机构分别是： 办公厅、法规司、政策研究司、统计与风险监测司、科技监管司、公司治理监管司、普惠金融司、 金融机构准入局、大型银行监管司、股份制和城市商业银行监管司、农村中小银行监管司、财产保险监 管司、人身保险监管司、资管机构监管司、非银机构监管司、银行机构检查局、保险和非银机构检查 局、机构恢复与处置司、金融消费者权益保护局、打击非法金融活动局、稽查局、行政处罚局、内审 司、国际合作司、人事教育司、财务会计司、党建工作局和机关党委。 欢迎关注 请 关注 上方公众号，欢迎" 分享 "" 收藏 "" 点赞 " • ...