Public Disclosure Authorized The Digital Gender Divide: Women in Latin America and the Caribbean in the Digital Era CONTEXT From 2018 to 2022, household access to home internet in Latin America and the Caribbean (LAC) increased from 50.7 to 68.4 percent, with higher access rates in urban areas (ITU, 2023). In most countries of LAC, there are pronounced disparities in access to the internet between poor and non-poor households (World Bank, 2024). There are notable gender disparities too. Men generally have b ...

Core Viewpoint - The incident involving the elderly man at the bank has sparked significant public debate regarding the rigidity of banking procedures and the responsibilities of both the bank and the family in ensuring the man's ability to withdraw funds safely [1][2]. Group 1: Incident Overview - An elderly man died while attempting to withdraw money from a bank in Zhuzhou, Hunan, with the family claiming the bank's procedures were inflexible and inhumane [1]. - The bank's response indicated that the family did not inform them of the man's health condition, and they offered alternatives such as home service or direct transfers to the hospital [1]. - The family released a video alleging that the bank staff insisted on the man's physical presence despite knowing his condition, leading to a nearly two-hour ordeal before his death [1]. Group 2: Public Reaction and Bank's Response - Public opinion is divided, with some criticizing the bank for its inflexible processes, while others blame the family for spreading irresponsible claims that could damage the bank's reputation [2]. - The bank quickly reached a settlement with the family, compensating them with 100,000 yuan, which some perceive as an attempt to avoid further conflict [2]. Group 3: Recommendations for Improvement - The bank acknowledged the need to improve its service processes and enhance awareness for serving special populations, particularly those unable to express their intentions due to health issues [2][3]. - Suggested improvements include appointing a trustee for elderly clients, enhancing customer identification systems with health assessments, and allowing emergency service provisions without immediate documentation [3]. - The bank should also work on changing the perception that home service is a special privilege and allow for provisional acceptance of requests in urgent situations [3].

每经记者｜赵景致 陈植 每经编辑｜陈旭 近日，一位重病老人赴银行取款时离世，引发社会强烈关注。 这起事件也引发银行业界思考——在某种特殊情况下，当持卡人或其亲朋好友连续输错密码导致银行卡 被"锁"，银行该如何妥善解决取款问题。 一家股份制银行的零售部门人士向《每日经济新闻》记者透露，通常情况下，上述情形可以通过三种路 径解决，即柜台办理、手机银行办理或拨打银行客服电话后在客服人员提示下重置密码。 银行卡"被锁"难以取款 用户可通过三种途径解决 记者多方了解到，随着老龄化社会来临，老年客户或其亲属因连续输错密码导致银行卡被锁（难以取 款）的状况日益增多。比较常见的情况是老年人因年龄原因而记错银行卡密码，造成银行卡"被锁"。 此外，一些特殊状况也时有发生，比如有些老年持卡人旅居海外或生病住院或行动不便，只能委托亲朋 好友代为取款，但老年持卡人因记错密码，导致亲朋好友多次输错密码而遭遇银行卡"被锁"。在这种情 况下，老年持卡人无法直接前往银行柜台办理银行卡解锁，其直接后果便是"取款难"。 在一位重病老人赴银行取款时离世后，涉事相关银行对此深表遗憾，同时向逝者致以沉痛的哀悼，并表 示下一步银行将持续检视自身，不断优化 ...

Core Viewpoint - The collaboration between Xinjiang Railway and banks aims to enhance logistics financial services, reduce costs for enterprises, and support high-quality economic development in Xinjiang [1][2]. Group 1: Collaboration and Services - Xinjiang Railway has partnered with China Construction Bank and Huaxia Bank to provide "credit certificate settlement" and "railway freight loans," with a total credit of 26 million yuan [1]. - The railway department has also collaborated with other banks, including SPD Bank and Zhejiang Merchants Bank, to offer "railway freight loans" and "domestic credit certificate" services [1]. - The services are designed to create a win-win situation for the railway, banks, and clients, facilitating cost reduction and efficiency improvement for enterprises [1]. Group 2: Financial Impact - Since the launch of the railway logistics financial services, 39 clients have been served, with a total credit limit of 2.024 billion yuan and railway freight payments amounting to 588 million yuan [2]. - The introduction of these services has effectively reduced financing and logistics costs for enterprises, transitioning from a prepayment settlement method to a loan discounting approach [2].

智通财经APP获悉，港股恒生指数跌0.81%，跌190点，报23262点；恒生科技指数跌0.57%。港股早盘成 交1076亿港元。 新冠感染现抬头趋势，恒生生物科技指数涨1.64%。山东新华制药(00719)涨8.95%；三生制药（01530） 涨7%；远大医药（00512）涨3.91%；石药股份（01093）涨3.85%；中国生物制药（01777）涨3.85%。 三大航集体上扬，航司4月运营数据向好。南方航空(01055)涨2.59%，中国国航(00753)涨1.4%。 新濠国际发展(00200)再涨超13%，附属新濠博亚首季经调整EBITDA同比增14%，超出市场预期。 耐世特(01316)再涨超6%，自动驾驶带动SBW系统渗透率提高，公司有望显著受益。 创新奇智(02121)涨超7%，与亨利加、钉钉达成战略合作，提升"AI+金融服务"领域竞争力。 耐世特(01316)再涨超7%，自动驾驶带动SBW系统渗透率提高，公司有望显著受益。 金融壹账通(06638)涨13%，获控股股东中国平安每股2.068港元提私有化。 恒生银行(00011)跌近4%，裁员风波持续发酵，去年不良贷款比率升至6.12%。 南戈壁( ...

Group 1 - The core viewpoint of the article is the strategic partnership between Alibaba Cloud and LuLu Financial Holdings to enhance financial services through advanced cloud computing and AI technology [1] Group 2 - LuLu Financial Holdings will implement Alibaba Cloud's advanced cloud computing products and the Tongyi Qianwen large model to improve its technological resilience [1] - The collaboration aims to accelerate business innovation and promote the upgrade of intelligent financial services [1]

Core Insights - The company is transitioning from a purely online investment service platform to a more systematic and robust business platform, focusing on the integration of financial services with physical scenarios and brand ecosystems [1][5][7] Group 1: Strategic Development - The company plans to enhance its physical presence by establishing over 90 reception rooms across various regions in China, which will serve multiple roles including training, socializing, and brand promotion [2][4] - The "Hundred Cities Plan" was launched with a special fund of 20 million yuan to support partners in building reception rooms and wine estates, with subsidies based on team size [4][6] Group 2: Brand Collaboration - The company is focusing on three offline brands: Hongzun Winery, Changhong Restaurant, and Yipin Hong Tea, each targeting different demographics while aiming to build trust and brand recognition [3][5] - The company provides comprehensive support for brand establishment, including funding, brand authorization, and operational resources to lower the barriers for partners [3][4] Group 3: Trust and Community - The physical entities are seen as trust centers that facilitate user engagement and retention, transforming the investment service into a more relatable and culturally rich experience [5][6] - The belief that "whoever has a reception room owns the market" reflects the high recognition of the offline strategy among platform users [6][7] Group 4: Long-term Vision - The company emphasizes a long-term approach to business, focusing on building a platform that is stable and trustworthy, rather than just rapidly growing [7] - The integration of finance, physical presence, and brand collaboration is seen as a way to create a sustainable growth path for partners with aspirations [7]

近日，由申万宏源独家主承销的台州市资产管理有限公司（以下简称"台州资管"） 2025年面向专业投资者非公开发行公司债券（第一期）（以下简称"本期债券"）成功 发行。本期债券发行规模2亿元，发行期限5年，票面利率2.47%，全场认购倍数2.35 倍。本期债券得到了投资者的踊跃认购，充分体现资本市场投资者对台州资管企业信用 的高度认可和未来发展的坚定看好。 本期债券为发行人首次于公开市场亮相，在前期承揽、销售询价及簿记过程中，台 州分公司、浙江分公司、固定收益销售交易总部和固定收益融资总部紧密联系，高效联 动，充分发挥大协同优势，深度对接发行人和投资者，在挖掘拓展投资者维度、引导票 面利率等方面作出了突出贡献，发行结果以及工作效率均获得了发行人高度好评。 免责 声 明 台州市资产管理有限公司是台州市金融生态体系中的关键一环，承担着不良资产处 置、资产管理、股权投资等重要职能。发行人作为台州城投产融投资板块的重要组成， 近年来坚持以市场化经营为导向，秉持"金融+产业"发展思路，聚焦特殊资产管理和股 权投资两大业务板块，自成立以来，累计处置不良资产金额超百亿元，有效化解区域金 融风险，优化地方金融机构资产质量，为实体 ...

"我们希望统筹管理全球银行账户，增强账户的可控性，提升跨境资金的调度效率，加强数据驱动的决 策支持。"华峰集团有限公司财务部经理黄玮玮说。 近年来，为更好应对市场竞争与外部挑战，我国企业对外投资正在从单一贸易向产业链布局延伸，从单 一市场向多区域协同转变，这对跨境金融服务提出了更高要求——企业更倾向于利用境内境外两个市场 两种资源，借助跨境资金池、跨境融资等服务，提升资金运营效能，降低财务成本。 完善跨境金融服务 党中央、国务院高度重视跨境金融服务工作。党的二十届三中全会强调，建立健全跨境金融服务体系， 丰富金融产品和服务供给。"提升跨境金融服务便利化，是扩大国际贸易合作、促进经济高质量发展、 服务国家战略布局的关键举措。"中国人民银行副行长陆磊说。 中央政治局近期召开会议提出，要加大服务业开放试点政策力度，加强对企业"走出去"的服务。此前， 国务院已批复《加快推进服务业扩大开放综合试点工作方案》，明确155项试点任务。在金融领域， 《工作方案》提出优化升级跨国公司本外币跨境资金集中运营管理政策，支持跨国公司以人民币开展跨 境资金集中运营业务等，这将为稳外贸提供跨境金融保障。 企业诉求更趋多元 "今年一季度， ...

近日，江西农商联合银行开业暨政银校企战略合作签约仪式举行。此外，经国家金融监督管理总局批 准，今年2月份，以新设合并方式组建的河南农商银行在郑州举行开业仪式。今年4月份，由省联社改制 而来的江苏农商联合银行挂牌成立。 今年以来，多家省级农信机构组建后陆续开业，意味着我国农信系统发展迈入新阶段，也为农村金融改 革夯实了基础。中小银行在展业中如何更好地满足涉农融资需求？如何防范信贷和管理风险？为此，记 者进行了调研。 改革重组 农信社改革是深化农村金融改革、推动金融服务实体经济高质量发展的重要驱动力。近年来，在国家金 融监督管理总局大力推动下，中小金融机构的改革化险工作稳步推进。 记者梳理发现，今年农信改革大潮中，联合银行和统一法人模式是改革的主流方向。"多元化改革模式 可以实现金融的人民性、普惠性，为乡村全面振兴注入金融动能。"中国人民大学中国普惠金融研究院 首席经济学家莫秀根认为，统一法人模式是风险化解与资源整合的关键路径。部分地区通过省级统一法 人农商银行模式，将分散的县级农信社整合为省级法人机构，集中处置不良资产。联合银行模式则在保 持县域法人地位的基础上，构建"小法人+大平台"的协同体系。部分地区采用该 ...