随着数字技术与实体经济的深度融合以及客户行为与市场环境的深刻变迁，数智化转型已成为银行 业金融机构高质量发展、打造新质生产力的关键引擎。 当转型步入深水区，银行业金融机构对数智化的需求早已不是最初简单的技术叠加，而是向着更高 级别、更多联结、更广覆盖的金融生态转变。 从底层筑基到业务赋能，这场以技术为引擎、以客户为中心的深层次变革，正在从局部试点探索向 全流程、全体系的纵深推进阶段阔步前行，中国银行业已步入数智化转型的加速轨道。 升级核心系统 为转型发展筑基 "未来的银行必然是数字银行。"北京银行董事长霍学文在该行2025年半年度业绩说明会上道出了银 行业金融机构争先布局数智化转型的重要原因。 欲筑室者，先治其基。数智化转型的深化，绕不开底层核心系统的升级与革新。换言之，银行业数 智化转型的关键，在于借助技术力量重塑业务内核，以实现自身运营提效、客户体验升级和市场破局。 今年以来，多家银行的新一代核心系统上线或进一步优化，以分布式、云原生、自主可控等为重要 特征的技术底座，在一家又一家银行落地并迅速发挥效能。 数据是新型生产要素，也是银行业金融机构数字化、智能化转型的核心要素。2025年，银行业在数 据治理、 ...

作为中国石化系统内首家搭建生产全流程优化系统的企业，该公司创新构建"月计划—周计划—日计 划"与"日优化—日效益"双闭环管理体系，每年平均可优化50项生产方案，生产指标合格率提高5.5%。 而他们的LDAR数据传输系统，已经建立标准化密封点70余万个，悬挂二维码密封标识牌近6万个，实 现LDAR检测全过程智能化管控，显著提升检测与管理效率。 在做好数智化技术赋能生产运行的同时，他们还整合ERP与BPM业务管理流程综合平台，系统构建涵盖 管理制度、行业法规及千余份技术文档的企业知识库，自主开发优化70余个流程和智能合同审核等45个 实用型AI应用智能体，形成"数据—模型—应用"的完整闭环，实现全业务流程标准化、在线化处理，真 正做到"让数据多跑路、员工少跑腿"，大幅提升管理效率，显著减轻了基层负担。 该公司信息化与计量中心经理、党总支书记杨超表示："未来，我们将持续深化新一代信息技术与炼化 主业的融合创新，拓展智能化应用场景，持续提升智能工厂建设水平。" 陈伟伟 王寿震 近年来，金陵石化始终以"智能制造引领炼化产业高质量发展"为目标，聚焦"全流程协同管控炼化智能 工厂"建设方向，系统推进"智改数转网联"，深度融 ...

Core Insights - The article highlights the significant industrial growth and transformation in the Suqian Yanghe New District, focusing on the integration of industrialization and information technology to enhance economic development [1][2]. Group 1: Industrial Growth - The total industrial output value of the district has increased by 56.7% over the past five years, with an average annual growth rate of 9.4% [1]. - The number of industrial enterprises above designated size has grown from 16 to 31, representing a cumulative increase of 93.75%, with seven enterprises exceeding 100 million yuan in output [1]. - The brewing industry, along with its supporting packaging sector, has become a core growth engine, with output value rising from 520 million yuan to 1.05 billion yuan, marking a cumulative growth of 101.9% and an average annual growth of 15% [1]. Group 2: Technological Innovation - The district has successfully established six national high-tech enterprises and four provincial "specialized, refined, and innovative" enterprises, along with one provincial five-star and one four-star cloud enterprise [2]. - Yanghe Co., Ltd. has been recognized as a provincial advanced intelligent factory and a key provincial industrial internet platform, showcasing the impact of technological innovation and digital transformation on industrial economic development [2]. Group 3: Future Development Plans - The Yanghe New District aims to transition from "scale expansion" to "quality and efficiency leadership" in its industrial economy, focusing on strengthening the entire supply chain of the brewing industry [2][3]. - The district plans to create three city-level wineries and enhance the industrial development foundation, while also fostering a diverse industrial ecosystem that includes packaging, green food, and emerging sectors like biomedicine and new energy [3]. - Efforts will be made to deepen the digital transformation of traditional manufacturing, with a focus on industrial internet and smart factories, aiming to establish one provincial advanced intelligent factory [3].

持续完善公司治理，深化市场化体制机制改革，着力推动数智化转型，积极探索产品、服务、模式创 新，培育差异化竞争优势。要强化战略引领，高标准编制"十五五"规划，谋划好高质量发展新篇章。 中国信保党委会议指出，更好支持高水平对外开放。要充分发挥逆周期调节作用，努力为我国外贸量稳 质升多做贡献。要高质量服务共建"一带一路"，统筹抓好重大标志性工程和"小而美"惠民生项目。要强 化对战略性新兴产业等重点领域的资源倾斜，积极推动科技创新和产业创新深度融合。要在控制风险前 提下，积极发挥内贸险、担保、进口险等作用，助力贸易投资一体化、内外贸一体化。持续提升服务实 体经济质效。要做精做实"五篇大文章"，加力支持科技创新、中小微企业等重点领域，不断提升政策性 金融服务水平。要积极主动融入新一轮重点产业链高质量发展行动，持续打造具有信保特色的产业链承 保模式，助力打造更有韧性更加安全的产业链。要围绕服务发展新质生产力，不断优化科技金融服务。 要做深做实普惠金融服务，不断增强中小微企业获得感。守牢不发生系统性风险底线。要健全常态化长 效化风险防控机制，强化重点领域风险防控，做到风险早识别、早预警、早发现、早处置。要密切关注 宏观环境 ...

Group 1 - The core viewpoint of the articles emphasizes the importance of the private economy in China's new development stage and the government's commitment to creating a fair competitive environment for all market entities, especially private enterprises [2][3]. - The Central Economic Work Conference highlighted the need to eliminate unreasonable market access restrictions and hidden barriers, aiming to correct issues like "involution" and local protectionism [2]. - Liu Xin, Deputy Director of the Private Economy Development Bureau, stated that since the 18th National Congress, the development of the private economy has received significant attention from President Xi Jinping, providing essential guidelines for its growth [2]. Group 2 - Zhejiang Province is recognized for its effective support of small and medium-sized enterprises (SMEs), with plans to enhance the SME service system during the 14th Five-Year Plan period [3]. - Jiaxing City aims to achieve a GDP of 760 billion yuan in 2024, with a growth rate of 5.6%, and has established a comprehensive cultivation system for specialized and innovative SMEs [5]. - Jiaxing has nurtured 243 national-level "little giant" enterprises, ranking fifth among prefecture-level cities in China, and has implemented supportive policies for SMEs [5]. Group 3 - The traditional cost advantages in manufacturing are diminishing, and companies must focus on research and brand creation to survive, as emphasized by Huang Lihong, Chairman of the UN Globalization Strategy and ESG Foundation [6]. - Companies are encouraged to adopt differentiated paths for growth, exploring new markets and attracting long-term capital [6]. - The integration of advanced technologies like cloud computing and IoT is crucial for SMEs to enhance resilience and efficiency in production processes [7]. Group 4 - China Construction Bank is addressing the financing challenges faced by small and micro enterprises by innovating evaluation systems and creating a comprehensive service ecosystem [8]. - The bank's digital inclusive finance model aims to improve the accessibility of financing for SMEs, focusing on their diverse needs throughout their lifecycle [8]. - The collaborative efforts among various stakeholders are aimed at exploring new paths for high-quality development of SMEs in China [8].

距离2025年末仅剩两周，券商行业人才调整格局浮出水面。 数据显示， 券商从业人员总数的下滑态势已持续2年。2023年末全行业从业人员为35.21万人，2024年末降至33.64万人，截至2025年12 月15日进一步回落至33.14万人，2年累计减少2.07万人，降幅达5.88%。 值得关注的是，从年度变动幅度来看，2025年从业人员减少4965人，减员降幅较2024年的15747人收窄68.47%，显示行业人员调整节奏 有所放缓，逐步进入结构性优化阶段。 核心岗位中，一般证券业务、证券经纪人等基础岗位人数连续两年下降， 2025年这两类岗位的减少量和降幅均低于2024年；而分析师、投 资顾问呈现增长趋势，尤其是投资顾问2025年新增5734人，较2024年新增3304人增长更明显。保荐代表人数量2025年小幅减少（-340 人），但2024年曾小幅增加。 在佣金率下行、数智化转型与监管趋严的多重驱动下，券商正加速向财富管理转型，人才结构的加减法则背后，是行业发展逻辑的深刻变 革。 | | | | 券商从业人员变动情况 | | | | | | --- | --- | --- | --- | --- | -- ...

Core Insights - The strategic value of state-owned enterprises (SOEs) is being redefined amid a sluggish global economic recovery and deep domestic economic adjustments, with multiple factors driving SOE investments from traditional valuation logic to a new paradigm [1] - Public funds are rapidly capturing this trend, with the total scale of SOE-related funds exceeding 300 billion yuan in 2023, reflecting a shift in investment logic and strategic positioning [1] - Bosera Fund is leveraging a diversified product system and AI technology to create a differentiated advantage in the SOE value reassessment era [1] Group 1: Policy and Market Dynamics - The dual forces of policy catalysis and industrial upgrading are reshaping the valuation system of SOEs, with the State-owned Assets Supervision and Administration Commission (SASAC) emphasizing market value management [2] - In 2024, SOE assets are projected to exceed 90 trillion yuan, with strategic emerging industry investments reaching 2.7 trillion yuan, marking a 21.8% year-on-year increase [2] - New indices like the CSI SOE Innovation-Driven Index and the CSI National New SOE Modern Energy Index have emerged to cover core assets in technology innovation and green transformation [2][3] Group 2: Product Diversification and Performance - Bosera Fund's SOE Innovation-Driven ETF and Modern Energy ETF have become important tools for investors, offering low thresholds and high liquidity to capture industrial upgrade dividends [4] - The SOE Innovation-Driven ETF has shown impressive performance, with net value growth rates of 2.8%, 40.88%, and 65.29% over the past year, three years, and five years, respectively, all exceeding benchmark returns [5] - The Modern Energy ETF, launched in July 2023, has a clear investment strategy focused on energy and public utility sectors, achieving a net value growth rate of 15.92% since inception [5] Group 3: Investment Philosophy and Technological Integration - Bosera Fund's investment philosophy prioritizes strategic over financial accounting, recognizing the potential for value reassessment in traditional resource factors and the importance of nurturing strategic emerging industries [6] - The firm has initiated AI technology exploration since 2018, establishing an AI laboratory in 2023 to enhance its investment research capabilities across various business functions [7] - The AI-driven investment research engine has achieved significant results, including smart factor allocation and deep learning factor mining, contributing to differentiated alpha generation [7] Group 4: Future Outlook and Commitment - The essence of SOE value reassessment is the capital market's revaluation of the transformation and upgrading of the real economy, with Bosera Fund committed to providing diversified products for investors to share in reform dividends [8] - The firm aims to write a new paradigm for SOE value investment through digital transformation and a long-termism approach, contributing to the high-quality development of SOEs [8]

当前，新一轮科技革命与产业变革加速演进，数智科技已成为重塑金融业态、驱动行业变革的核心 引擎。中央金融工作会议上金融"五篇大文章"提出，数字金融被置于重要地位，为金融业高质量发展指 明了方向。 作为服务能源电力产业的金融"主力军"，国网国际融资租赁有限公司（以下简称"国网租赁"或"公 司"）深刻认识到，在"金融强国"与"能源安全"的双重战略背景下，数智化转型已不再是一道"选择 题"，而是关乎长远发展、破解经营难题、实现内涵式高质量发展的"必答题"。 据了解，国网租赁深入贯彻落实党中央、国务院关于"数字中国"建设的战略部署，确立"数智赋能 领先"目标，从顶层设计到技术落地，从流程优化到风险防控，国网租赁以"数智赋能领先"为目标，走 出了一条兼具能源特色与行业示范意义的转型之路，近期更是将中国电力发展促进会科学技术进步奖三 等奖等荣誉收入囊中。 破题开篇："12334"工作思路搭起转型"四梁八柱" 数智化转型最怕"碎片化"，各部门各搞一套系统，数据不通、流程脱节，反而增加基层负担。国网 租赁深谙此道，转型之初就确立"标准先行"原则，构建"12334"数智化工作思路，为转型工作搭起坚实 框架。 "这不是冷冰冰的数字 ...

Core Viewpoint - The company is focused on high-quality development strategies in the rail transit electrical equipment sector, emphasizing technological innovation for product intelligence and sustainability [1] Group 1: Market Position - The company has achieved supply coverage for all core host manufacturers of CRRC, indicating a strong market presence [1] - The company is actively expanding into the vehicle maintenance aftermarket, which presents additional growth opportunities [1] Group 2: Internal Operations - The company emphasizes refined management practices and accelerates the upgrade of process equipment and digital transformation [1] - Continuous improvement in management efficiency, production quality, and operational levels is a key focus for the company [1]

中国商报（记者 彭婷婷）二十五载栉风沐雨，二十五载砥砺前行。北人集团的25年发展历程，恰好与中国商业巨变同频共振。从单一商场到区域商业龙 头，从传统零售到多元业态协同发展，北人集团凭借敏锐的市场洞察、坚定的战略定力与持续的创新实践，实现了销售总额近270亿元、跻身全国零售百强 第28位的亮眼成绩。面对当前复杂多变的市场环境与行业发展挑战，北人集团如何以供应链改革为核心抓手锻造核心商品力，又将如何锚定"十五五"规划布 局未来发展？近日，中国商报记者专访了北人集团党委书记、董事长徐建航。 锚定时代机遇，多维转型筑牢发展根基 中国商报：北人集团的25年，正是中国商业经历巨变的时期。回顾这段历程，集团是如何敏锐地把握住进入核心领域的契机？采取了哪些关键的应对策略， 实现了从单一商场到区域商业龙头的跨越？ 徐建航：北人集团25年发展历程，在筚路蓝缕的创业期，抓住时代机遇，坚定走多业态发展之路，奠定了自身的发展根基。在科技和网络推动商业频繁出现 新形势新变化的时代，集团深入研究生活方式转变引发的新消费需求，启动了一系列深化转型项目。在新发展阶段，集团树立新发展理念，通过探索新赛 道、布局新业态，走上多元发展之路。这些在不 ...