根据《实施方案》，未来五年，银行业保险业数字金融发展的主要目标是数字化转型取得积极进展，数 字技术的驱动支撑能力和数据要素的价值转化能力显著增强，在数字金融治理、数字金融服务、数字技 术应用、数据要素开发、数字风险防控等方面取得显著进步；深入探索挖掘数字技术和数据要素创新应 用场景，持续提升对科技、绿色、普惠、养老等重点领域的金融服务质效，加大对重大战略、重点领 域、薄弱环节的金融支撑，形成一批可复制推广的数字金融良好实践，推动资源配置更加优化，促进金 融服务扩面、提质、增效；高效推动监管数字化智能化转型，提升监管穿透能力，全面支撑"五大监 管"能力建设，助力金融监管"长牙带刺"、有棱有角。 在服务先进制造业发展方面，《实施方案》明确，积极运用数字技术提供首台（套）重大技术装备、首 批次新材料等保险补偿服务，增强安全风险防范能力。 《实施方案》还明确，支持区域协同发展。为区域内产业转型升级和多元化发展提供投融资支持和保险 保障。 北京商报讯（记者 胡永新）12月26日，国家金融监督管理总局发布《银行业保险业数字金融高质量发 展实施方案》（以下简称《实施方案》）。 《实施方案》明确，支持科技型企业创新成长。探索 ...

智通财经APP获悉，12月26日，国家金融监督管理总局办公厅印发《银行业保险业数字金融高质量发展 实施方案》的通知。通知提出，未来五年，银行业保险业数字金融发展的主要目标是数字化转型取得积 极进展，数字技术的驱动支撑能力和数据要素的价值转化能力显著增强，在数字金融治理、数字金融服 务、数字技术应用、数据要素开发、数字风险防控等方面取得显著进步。 深入探索挖掘数字技术和数据要素创新应用场景，持续提升对科技、绿色、普惠、养老等重点领域的金 融服务质效，加大对重大战略、重点领域、薄弱环节的金融支撑，形成一批可复制推广的数字金融良好 实践，推动资源配置更加优化，促进金融服务扩面、提质、增效；高效推动监管数字化智能化转型，提 升监管穿透能力，全面支撑"五大监管"能力建设，助力金融监管"长牙带刺"、有棱有角。. 原文如下： 银行业保险业数字金融高质量发展实施方案 为贯彻落实中央经济工作会议、中央金融工作会议精神，按照《关于做好金融"五篇大文章"的指导意 见》（国办发〔2025〕8号）和《关于银行业保险业做好"五篇大文章"的指导意见》（金发〔2024〕11 号）有关要求，鼓励和引导银行业保险业加快发展数字金融，充分发挥数字 ...

Group 1 - The core viewpoint of the article emphasizes the implementation of a high-quality development plan for digital finance in the banking and insurance sectors, focusing on advancing digital infrastructure [1] Group 2 - The plan encourages large financial institutions to progressively layout and accelerate the construction of multi-level, multi-location data centers that are suitable for online business, massive data storage, and distributed computing [1] - It highlights the importance of forward-looking deployment of intelligent computing network facilities, prioritizing the establishment of these at national hub nodes in the "East Data West Computing" project [1] - The initiative promotes the construction of green data centers and aims to continuously increase the proportion of green electricity usage [1] - It advocates for cloud-based management of infrastructure and the utilization of new-generation mobile communication technologies and the Internet of Things to establish secure external connections [1] - The plan aims to build a new generation of operational maintenance systems that adapt to distributed architecture and digital transformation, while also improving the management mechanisms for infrastructure security applications [1]

Core Viewpoint - The National Financial Supervision Administration has issued a plan for the high-quality development of digital finance in the banking and insurance sectors, focusing on building an intelligent risk control system [1] Group 1: Intelligent Risk Control System - The plan emphasizes the construction of an enterprise-level digital risk management platform [1] - It aims to enrich internal and external risk information data sources [1] - The use of machine learning and graph data technologies is highlighted to enhance risk monitoring, analysis, and early warning capabilities [1] Group 2: Integration of Digital Risk Control Tools - Digital risk control tools will be embedded in credit approval, post-loan management, and anti-fraud processes [1] - This integration is intended to improve the overall risk identification and prevention capabilities of financial institutions [1] Group 3: Continuous Improvement and Sharing Mechanism - The plan includes regular iteration of risk management strategies and quantitative models [1] - A mechanism for sharing and reusing risk control tools will be established [1]

Core Viewpoint - The National Financial Supervision Administration has issued a plan to promote high-quality development in digital finance within the banking and insurance sectors, focusing on supporting the innovation and growth of technology-based enterprises [1][2]. Group 1: Support for Technology Enterprises - The plan emphasizes the importance of supporting technology-based enterprises, particularly those characterized by "high technology, high growth, and light asset" features [1][2]. - A large data set will be established to create profiles for these enterprises, aiding in their identification and assessment [1][2]. Group 2: Approval Efficiency and Risk Management - The implementation of intelligent approval credit models is proposed to enhance the efficiency of the approval process [1][2]. - For clients who do not pass online approval, a supplementary offline application channel will be provided [1][2]. - The plan also explores the development of insurance products related to data assets and cybersecurity to provide risk protection for technological innovations [1][2].

据多家外媒报道，12月8日至11日，备受瞩目的阿布扎比金融周（ADFW）在阿尔玛利亚岛的The Grand Steps活动中心盛大举行。作为全球范围内规模、影响力TOP级的金融盛会，本次阿布扎比金融周汇聚 了全球顶尖金融精英，共同探讨数字金融重塑未来全球市场的路径。金融周期间，孙宇晨创立的波场 TRON受邀出席，为推动全球数字金融发展贡献了智慧与力量。 rId4 本次金融周以"构建资本网络"为主题，聚焦人工智能、区块链等技术对金融体系的重塑。其中，在一场 题为"桥梁是否已建成？"的专题讨论中，孙宇晨创立的波场TRON团队的数字主权联盟执行董事Adrian Wall发表了独到见解。他预测，到2026年合规稳定币将告别实验阶段，成为银行、金融科技公司及企业 通用的标准化结算工具。同时，他还强调，以孙宇晨创立的波场为代表的区块链基础设施能成为下一代 金融的重要推动者，它能让用户无需理解复杂技术原理就能享受其带来的普惠价值。 另外值得一提的是，孙宇晨也是数字主权联盟的坚定支持者。该联盟由区块链与数字资产行业领袖共同 发起，致力于在区块链、加密货币、Web3及人工智能等新兴技术领域推动公共政策、研究与教育的健 康发展。 ...

Core Viewpoint - The People's Bank of China has introduced the "Opinions on Financial Support for Accelerating the Construction of the Western Land-Sea New Corridor," focusing on a multi-layered and diversified financial support system to enhance infrastructure and logistics in the region [1][9]. Group 1: Financial Support Initiatives - The initiative includes 21 key measures across six areas to support the construction of the Western Land-Sea New Corridor, emphasizing the integration of logistics, trade, and industry [1]. - A new fund will be established in Chongqing to aggregate various capital sources, including domestic and international investments, to facilitate financing for infrastructure and cross-regional industrial development [3]. - The measures aim to innovate financial products and services to address challenges such as slow settlement and financing difficulties for enterprises [5]. Group 2: Cross-Border Financing and Settlement - The initiative promotes the development of multi-modal transport financial insurance services to streamline logistics and reduce disputes in land-sea transport [7]. - It supports the establishment of integrated currency pools for multinational companies in designated areas to enhance cross-border settlement efficiency [9][10]. - The program allows qualified non-financial enterprises to directly handle foreign debt registration at banks, facilitating cross-border financing for high-tech and small to medium-sized enterprises [10]. Group 3: Digital Financial Services - The People's Bank of China plans to support the construction of a digital financial service platform specifically for the Western Land-Sea New Corridor, enhancing the efficiency of financial services [14][17]. - There is an emphasis on promoting the use of central bank digital currency in cross-border payments, aiming to improve transaction efficiency [13][16]. - The initiative also seeks to address data silos and system barriers in cross-border and cross-province transactions through integration with international trade platforms [17].

近日，上海市高级人民法院发布《上海市高级人民法院关于为加快建设上海国际金融中心提供司法服务 保障的若干意见》（以下简称《服务保障意见》），这是上海法院首份全面回应新时代上海国际金融中 心建设司法需求的综合性司法文件。 《服务保障意见》从服务实体经济、支撑高水平开放、夯实市场基础、防范金融风险、完善解纷机制五 个方面提出了22项具体措施。其中，在强化科技金融司法赋能方面，上海法院将聚焦科技型企业全生命 周期需求，探索适应科技创新规律的司法裁判规则。依法审理涉科创板证券纠纷案件，审慎认定科创属 性信息披露的侵权责任，加强对科创板企业差异化表决权、对赌回购等公司治理结构的司法保障，平衡 创始人控制权与投资者权益保护。 畅通投资者直接索赔路径 回溯上海国际金融中心建设的历程，自1992年党的十四大首次提出建设目标以来，上海法院始终紧跟国 家战略，围绕科创板设立，自贸区金融改革等任务，出台了一系列司法保障意见，在特定领域形成了可 复制可推广的经验。然而，上海法院此前尚未有一份文件能够全面覆盖上海国际金融中心建设的各领域 各环节，从而形成系统性整体性部署。 上海市高级人民法院副院长林晓镍说，《服务保障意见》的发布，首次系 ...

Core Viewpoint - Russia is set to implement a regulatory framework for cryptocurrency assets starting in 2026, marking a significant shift from its previously cautious stance towards digital assets, aiming to create a compliant market while maintaining financial oversight [2][10]. Group 1: Investor Access Mechanism - The new regulatory framework introduces a differentiated investor access system, balancing market openness with risk management [2]. - Ordinary individual investors will face strict entry conditions, being allowed to purchase only high-liquidity assets like Bitcoin (BTC) and Ethereum (ETH), and must complete a mandatory risk assessment test [2]. - The annual investment limit for retail investors is set at 300,000 rubles, approximately $3,800, to manage public access to emerging assets while preventing large-scale capital outflows [2]. - Professional investors will have more flexibility without fixed limits on investment amounts but are prohibited from trading privacy coins like Monero (XMR) and must also undergo risk assessments [2]. Group 2: Legal Classification and Restrictions - Cryptocurrency and stablecoins will be classified as tradable monetary assets, similar to foreign exchange or investment products, but remain prohibited as payment methods within Russia [4]. - The legal status of the ruble as the national currency remains intact, preventing cryptocurrencies from challenging state monetary sovereignty [4]. Group 3: Strategic Financial Positioning - Russia's regulatory changes are seen as a response to international financial pressures, particularly after being excluded from the SWIFT system and facing severe sanctions [6][7]. - The new framework aims to formalize previously informal operations, allowing for regulated international trade and capital movement through digital assets [8]. - The strategy includes reducing reliance on the US dollar by creating a cryptocurrency ecosystem anchored in the ruble, enhancing economic resilience against sanctions [8]. Group 4: Comparison with Global Regulatory Trends - Russia's approach contrasts with the EU's comprehensive regulatory framework and the fragmented regulations in the US, opting instead to integrate cryptocurrency activities into existing state-led financial regulations [9]. Group 5: Summary of Implications - The opening of the cryptocurrency market to individual investors represents a critical development in Russia's financial policy, driven by the need to respond to international pressures and maintain economic autonomy [10]. - This initiative is not merely a concession to decentralized finance but a strategic move to construct an alternative financial system that enhances national economic sovereignty [10].

【内容摘要】12月25日，资金面维持稳中偏宽态势；债市窄幅震荡，短债偏暖，中长债表现偏弱；转债市场主要指数集体跟涨，转债个券多数上涨。 一、债市要闻 （一）国内要闻 【金融监管总局强化三类资管产品信披管理】12月25日，金融监管总局发布《银行保险机构资产管理产品信息披露管理办法》，立足"同类业务、相同标 准"，统一明确了资产管理信托产品、理财产品、保险资管产品信息披露的基本原则、责任义务、共性内容及内部管理要求，对三类产品的信息披露行为进 行了系统规范，督促机构严格履行信义义务，充分保障投资者的知情权和选择权。《办法》相关规定将自2026年9月1日起施行。 【离岸人民币汇率升破"7"关口】12月25日，外汇市场迎来标志性时刻——离岸人民币对美元汇率开盘升破"7"关口，2024年10月以来首次收复这一重要整数 关口，盘中最高触及6.9985，创15个月以来新高。与此同时，在岸人民币对美元汇率同步走强，逼近"7"关口，报7.0066，创2024年9月以来新高。2025年以 来，伴随美元走弱，人民币汇率开启显著升值通道，11月下旬后更是呈现明确单边升值态势。 【央行：支持西部陆海新通道沿线省区市参与多边央行数字货币 ...