Core Viewpoint - The article discusses the significant influence of American capital on the Japanese financial market in 2024, highlighting a strategy of acquiring Japanese assets using Japanese funds, amidst a backdrop of yen depreciation and a zero interest rate policy [3][5][19]. Group 1: Economic Context - The depreciation of the yen and the Bank of Japan's commitment to a zero interest rate policy have created opportunities for American capital to exploit weaknesses in the Japanese economy [5][7]. - By early 2024, the exchange rate shifted dramatically from 115 yen per dollar to over 160 yen per dollar, marking a historical low for the yen [5][7]. Group 2: Capital Acquisition Strategies - American capital utilized "Samurai bonds," which are low-interest bonds issued in yen, with a total issuance exceeding 2 trillion yen at a nominal interest rate of only 1% [7][9]. - The primary buyers of these bonds were Japanese institutional investors and the general public, allowing American capital to acquire Japanese savings at minimal cost [7][9]. Group 3: Mergers and Acquisitions - In 2024, American capital's total mergers and acquisitions in Japan reached 10 trillion yen, effectively using Japanese savings to purchase high-quality domestic assets [9][11]. - Following acquisitions, American firms engaged in asset stripping and profit transfer, extracting cash reserves and annual profits from the acquired companies [9][11]. Group 4: Economic Consequences - By the end of 2024, American capital had extracted 10 trillion yen in cash returns from Japan, completing a cycle of capital extraction that left the Japanese public largely unaware [11][19]. - Japan's government debt has reached 260% of GDP, limiting its ability to intervene in capital flows, while the short-term benefits of yen depreciation mask deeper economic issues [13][19]. Group 5: Inflation and Consumer Impact - Japan is experiencing high inflation, which is straining household budgets and reducing consumer spending, despite superficial signs of economic recovery [15][17]. - Major Japanese companies are facing challenges in overseas operations, with some, like Toyota, suing the U.S. government over unfair taxation, impacting their international investment rights [15][17]. Group 6: Future Outlook - The Bank of Japan may need to reassess its monetary policy in response to inflation, with expectations of interest rates rising to 0.75%, which could lead to capital withdrawal and increased market volatility [17][19]. - The article emphasizes the need for Japan to balance capital flow with national interests, as over-reliance on international capital could lead to economic instability [17][19].

你肯定听过有人炒币一夜暴富，也有人一夜倾家荡产。 但你可能没想过，这场疯狂的投机游戏背后，竟藏着一场中美之间的金融暗战。 一边是美国千方百 计把加密货币变成国债的"救命稻草"，另一边是中国13个部门联手严防死守，坚决打击。 为什么同一个东西，两国态度天差地别？ 答案就藏在加密货币那 段不光彩的"发家史"里。 2008年，比特币诞生的同一年，全球金融圈出了件大事：美国逼着瑞士废除了延续百年的银行保密政策。 这下，全球富豪们藏钱的"保险箱"突然没了盖 子。 以前把钱存瑞士银行，政府根本查不到。 但2008年后，美国政府因为次贷危机缺钱，加紧向富人征税，富豪们急需新的藏钱手段。 买古董名画？ 太扎 眼，运输还容易暴露。 存海外银行买房产？ 俄乌冲突一爆发，俄罗斯富豪在欧美的资产说冻就冻，房子都过不了户。 这时候，比特币的匿名性、去中心化 特点，正好满足了"藏钱"的刚需。 不过当时的比特币体量太小，还成不了大气候。 但美国的拥抱，更像是饮鸩止渴。 2025年12月初，比特币一夜暴跌8%，27万人爆仓，近百亿美元蒸发。 有投资者说设了止损都没用，价格直接穿破防线。 这种"插针"行情背后，是交易所肆无忌惮的操纵。 传统券 ...

Core Viewpoint - The People's Bank of China has released new regulations emphasizing risk-based customer due diligence for financial institutions, balancing anti-money laundering efforts with improved financial services. The regulation, effective from January 1, 2026, removes the requirement for customers to declare the source of funds for cash withdrawals exceeding 50,000 yuan, reflecting a more nuanced approach to risk management [1][2][3]. Group 1: Regulatory Changes - The new regulation cancels the requirement for customers to register the source of funds for cash withdrawals over 50,000 yuan, which has been a point of public concern and discussion [1][2]. - Financial institutions are now required to conduct customer due diligence based on risk assessments rather than a one-size-fits-all approach, allowing for a more tailored investigation process [2][3]. Group 2: Impact on Customer Experience - Customers have previously expressed frustration with intrusive inquiries regarding the source and purpose of funds during transactions, leading to a poor banking experience [2]. - The updated regulations aim to simplify the process for low-risk customers, enhancing their experience while maintaining necessary security measures for high-risk transactions [2][3]. Group 3: Enhanced Risk Management - Financial institutions must develop a more sophisticated risk assessment system that utilizes various data points, including customer identity and transaction history, to identify potential risks accurately [3]. - The ongoing prevalence of financial crimes necessitates that banks not only maintain but enhance their due diligence practices, ensuring a balance between customer convenience and financial security [3].

李可 融安e信平台依托大数据分析,有效整合社会公信体系等多方权威信息。一方面,能实时识别诈骗电话、短 信和链接,对涉嫌欺诈的犯罪行为及时发出风险提示和自动预警,从源头上降低诈骗成功率；另一方面,可 查询企业信息、法人涉诉信息、失信信息等风险情况,全面了解企业状况,及时发现失信、涉诈等潜在风 险,有效提升融资业务风险管理水平,为防范外部欺诈筑牢屏障。 广泛宣传,助力快速止损 工行菏泽分行对融安e信的宣传推广工作制定了明确任务,并逐步推进落实。首先做好员工内部培训,让员 工了解产品特点、功能、使用方法及服务管理要求,以便结合目标客户的产品需求,为客户分析产品特点 及优势,实现精准营销。各网点通过电子显示屏不间断播放产品宣传标语,将产品资料摆放在柜台醒目位 置,对意向客户进行面对面讲解。此外,还通过走访企业用户,推广融安e信的反欺诈手段,提升企业用户信 任度,帮助其规避融资风险。 精准掌握,有效防范金融风险 该分行将继续履行国有大行的社会责任,凭借优质的金融产品和高效的服务质量,在助力社会高效治理、 防范化解金融风险等方面积极作为,为维护社会安全稳定和保障群众资金安全贡献金融力量。 通讯员 刘宏明 菏泽报道 融安e ...

此外，证券时报·券商中国记者了解到，代码混淆是防止核心业务逻辑、接口参数等被轻易反编译、分 析的重要手段，未混淆的代码如同"裸奔"，极大降低了攻击者的分析门槛。 （原标题：官方通报！55款涉金融应用小程序，存在风险） 近年来，伴随着金融科技快速发展与移动互联网普及，小程序以其"无需下载、即开即用"的轻量化特性 及强大的社交传播能力，迅速成为各类金融机构提供线上服务的重要渠道。 从传统银行的存款理财业务，到保险公司的产品推介，再到消费金融、小额贷款公司的信贷服务，小程 序已经渗透至金融服务的各个环节，极大地提升了金融服务的便利性与可及性。 然而，在享受技术创新带来红利的同时，这一新兴渠道也暴露出不容忽视的安全风险与合规漏洞。12月 2日，中国互联网金融协会（以下简称"协会"）发布的一份关于涉金融应用小程序安全情况的通告，将 行业存在的安全隐患置于聚光灯下，引发关注。 安全形势严峻，风险点多面广 协会近期对各类金融机构在微信平台上的55款涉金融应用小程序组织了专项抽样检查。结果表明，当前 小程序整体安全形势较为严峻，具体表现在以下三个层面： 针对上述发现，协会已向相关金融机构进行风险提示，并将督促机构限期整改。 ...

近年来，伴随着金融科技快速发展与移动互联网普及，小程序以其"无需下载、即开即用"的轻量化特性及强大的社交传播能力，迅速成为各类金融机构提供线上服务的重要 渠道。 从传统银行的存款理财业务，到保险公司的产品推介，再到消费金融、小额贷款公司的信贷服务，小程序已经渗透至金融服务的各个环节，极大地提升了金融服务 的便利性与可及性。 然而，在享受技术创新带来红利的同时，这一新兴渠道也暴露出不容忽视的安全风险与合规漏洞。12月2日，中国互联网金融协会（以下简称"协会"）发布的一份关 于涉金融应用小程序安全情况的通告，将行业存在的安全隐患置于聚光灯下，引发关注。 个别机构借小程序"打擦边球" 安全形势严峻，风险点多面广 协会近期对各类金融机构在微信平台上的55款涉金融应用小程序组织了专项抽样检查。结果表明，当前小程序整体安全形势较为严峻，具体表现在以下三个层面： 首先，风险覆盖范围广，安全隐患普遍存在。 此次被抽检的55款小程序无一幸免，均存在不同程度的安全风险问题。统计分析显示，平均每款小程序被发现 的风险问题高达18.13个。 其次，高危风险不容小觑，威胁金融安全核心。更值得警惕的是，检出高危风险的小程序占比达到18. ...

（原标题：官方通报！55款涉金融应用小程序，存在风险！） 再次，中危风险高度集中，暴露管理薄弱环节。 协会检查还发现，中危风险呈现高度集中特征。其 中，高达38款小程序存在"代码未混淆"风险。同时，有30款小程序存在"内部域名泄露"风险。 近年来，伴随着金融科技快速发展与移动互联网普及，小程序以其"无需下载、即开即用"的轻量化特性 及强大的社交传播能力，迅速成为各类金融机构提供线上服务的重要渠道。 从传统银行的存款理财业务，到保险公司的产品推介，再到消费金融、小额贷款公司的信贷服务，小程 序已经渗透至金融服务的各个环节，极大地提升了金融服务的便利性与可及性。 然而，在享受技术创新带来红利的同时，这一新兴渠道也暴露出不容忽视的安全风险与合规漏洞。12月 2日，中国互联网金融协会（以下简称"协会"）发布的一份关于涉金融应用小程序安全情况的通告，将 行业存在的安全隐患置于聚光灯下，引发关注。 安全形势严峻，风险点多面广 协会近期对各类金融机构在微信平台上的55款涉金融应用小程序组织了专项抽样检查。结果表明，当前 小程序整体安全形势较为严峻，具体表现在以下三个层面： 首先，风险覆盖范围广，安全隐患普遍存在。 此次被抽 ...

Core Viewpoint - The rapid development of financial technology and the popularity of mobile internet have made mini-programs a crucial channel for financial institutions to provide online services, despite exposing significant security risks and compliance loopholes [1][2]. Group 1: Security Risks in Financial Mini-Programs - A recent inspection by the China Internet Finance Association revealed that all 55 sampled financial mini-programs exhibited varying degrees of security risks, with an average of 18.13 risk issues per program [5][6]. - High-risk issues, which threaten core financial security, were found in 18.19% of the inspected mini-programs, primarily related to "key leakage" and "application error vulnerabilities" [6]. - Medium-risk issues were highly concentrated, with 38 programs showing "unobfuscated code" risks and 30 programs having "internal domain leakage" risks [6]. Group 2: Regulatory and Compliance Issues - Some local financial organizations were found to be using mini-programs to conduct illegal financial activities, such as high-interest lending, violating national regulations on interest rate management and financial marketing [9]. - The association has requested the removal of these problematic mini-programs from the WeChat platform and will refer the cases to relevant authorities [9]. Group 3: Recommendations for Enhancing Financial Security - The China Internet Finance Association recommends that financial institutions strengthen their management responsibilities for digital channels, including mini-programs, and enhance their security governance systems [10]. - Mini-program platforms should establish comprehensive admission review, daily monitoring, and violation handling mechanisms to maintain a clear digital financial ecosystem [10]. - Financial consumers are encouraged to improve their self-protection awareness and risk identification capabilities, carefully assess their repayment abilities, and be cautious of excessive marketing and false advertising [10]. Group 4: Ongoing Self-Regulation Efforts - The association plans to enhance self-regulation of financial apps and mini-programs, conducting regular self-checks and initiating mini-program filing work to improve industry safety and compliance levels [11]. - The initiation of mini-program filing work indicates a shift towards proactive regulation, allowing for better oversight and risk prevention from the outset [11].

在上个月28日，中国人民银行突然召开高规格虚拟货币监管协调会议。 这次会议不一般，来了14个部门的负责人，阵容强大得让人有点意外。 这种级别的联合行动，在虚拟货币监管史上还真不多见。 监管升级，十四部门联手织密防护网 这次会议的背景其实不复杂，最近虚拟货币市场又开始活跃，各种地下交易渠道换着花样出现。 就像去年破的那个12亿USDT洗钱案，要是搁以前，单靠一个部门还真未必能这么快破案。 技术手段也跟上了，听说现在有了专门的区块链溯源系统，虚拟货币的流向能追到小数点后八位。 这种分工协作，比之前单打独斗效率高多了。 有个做技术的哥们透露，他们开发的监测平台，连暗网的交易信息都能扒下来一些。 不过这活儿也挺难，那些搞投机的人，反侦察能力比想象中强。 有朋友在金融圈工作，他跟我说，现在场外交易搞得跟谍战片似的，微信转账加线下见面，隐蔽性特别强。 十四部门联手可不是简单凑数，央行管总协调，公安部负责打击犯罪，网信办盯着网络平台，外汇局严防资金外流。 数字人民币的推进也给监管加了码，本来想，虚拟货币和数字人民币都是数字形式，应该差不多吧？后来发现完全不是一回事。 数字人民币背后是国家信用，虚拟货币说白了就是一串代码。 ...

Core Viewpoint - The Bank of China is actively promoting a "Smart Card, Safe Payment" educational campaign to enhance consumer awareness and protect against financial fraud, thereby contributing to a secure and healthy financial environment [1][2][16] Group 1: Educational Initiatives - The campaign employs a combination of online and offline methods to educate consumers on the proper use of financial tools and products, aiming to prevent fraud and illegal financial activities [1][2] - Original educational materials, including comics, are created to explain credit card usage and common scams, making financial knowledge accessible and engaging for consumers [2][4] - The Bank of China collaborates with local authorities to conduct training sessions and workshops, enhancing public understanding of financial risks and safety measures [4][5] Group 2: Targeted Outreach - Specific initiatives are designed for various demographics, including the elderly and youth, to address their unique financial knowledge gaps and promote safe financial practices [7][9] - The Bank of China organizes events in schools and community centers to teach financial literacy, focusing on preventing scams that target younger audiences [9][12] - The bank extends its outreach to rural areas, ensuring that financial education reaches underserved communities [12] Group 3: Cross-Industry Collaboration - The Bank of China partners with other sectors, such as public safety and education, to create comprehensive financial safety campaigns that resonate with the public [5][15] - Events like sports activities and cultural festivals are utilized to engage the community and disseminate financial safety information in a relatable manner [14][15] Group 4: Continuous Improvement - The Bank of China plans to maintain its commitment to financial education by continuously innovating its outreach methods and expanding its coverage to meet consumer needs [16]