Core Insights - Ant Group has launched an independent AI health application, AQ, to address the trust deficit in health information online, aiming to become a reliable health manager for families rather than just a search engine [1][10] - AQ represents a strategic elevation for Ant Group, transitioning from a value-added service within the payment ecosystem to a core strategic business unit [1] Group 1: Product Structure - AQ is built on a "three-in-one" value core focusing on professionalism, comprehensiveness, and credibility [2] - The application evolves from a static "question-answer" model to a dynamic consultation model, capable of multi-turn questioning to provide targeted health advice [3] - AQ utilizes a powerful multimodal recognition capability to process unstructured data such as images and reports, enhancing the quality of health information input [3][4] Group 2: Comprehensive Connectivity - AQ serves as an open "super hub" connecting fragmented healthcare ecosystems, linking over 5,000 public hospitals and nearly one million doctors for consultations [6] - It integrates data from various health management devices and mainstream wearable technology, creating a robust self-reinforcing loop for health monitoring and consultation [8] Group 3: Credibility and Trust - Ant Group has invested significantly in building a trust system, which includes a large medical annotation team and collaboration with top experts for AI training [9] - The credibility framework is supported by compliance certifications and assessments from authoritative institutions, ensuring the AI's alignment with clinical practices [9] Group 4: Ambitions and Market Impact - AQ aims to tackle the uneven distribution of medical resources in China, addressing the challenge where 7.8% of tertiary hospitals handle over 50% of outpatient visits [10] - The application enhances the capacity of top specialists through AI avatars, significantly increasing their service reach and providing scalable access to expert resources for remote patients [11] - AQ also aims to empower grassroots doctors, improving their diagnostic accuracy and overall healthcare service capabilities [11][10] Group 5: Future Outlook - The launch of AQ is seen as a strategic move to create a comprehensive national health management platform, integrating technology, service, and trust [11] - The success of AQ will depend on maintaining trust while exploring commercialization and managing vast amounts of personal health information [11][12]

Group 1 - The People's Bank of China conducted a 7-day reverse repurchase operation of 509.3 billion yuan at an interest rate of 1.40%, maintaining the previous rate, resulting in a net injection of 305.8 billion yuan after 203.5 billion yuan of reverse repos matured on the same day [1][12]. - The Shanghai Interbank Offered Rate (Shibor) showed slight fluctuations, with the overnight Shibor decreasing by 0.10 basis points to 1.3700%, the 7-day Shibor also down by 0.10 basis points to 1.6700%, while the 14-day Shibor increased by 1.40 basis points to 1.7360% [1][2][3]. - In the interbank pledged repo market, the 14-day rate continued to rise, with R007 and R014 rates showing an inversion. The weighted average rates for DR001 and R001 decreased slightly, while DR007 and R007 saw mixed movements with DR007 down by 0.9 basis points and R007 up by 6.0 basis points [4][9]. Group 2 - The overall funding situation on June 26 was balanced, with significant credit differentiation. The rates for pledged deposits and commercial credit showed a range of 1.52% to 2.10%, indicating a slight easing in the market towards the end of the trading day [9][10]. - A total of 51 interbank certificates of deposit were issued on June 26, with an actual issuance volume of 42.74 billion yuan. The market sentiment was generally positive, although the total transaction volume remained limited due to fewer issuing institutions [10][12]. - The recent joint announcement by the Financial Regulatory Bureau and the People's Bank of China outlined a plan for the high-quality development of inclusive finance, aiming to establish a comprehensive inclusive financial system over the next five years [12].

Group 1 - The core viewpoint of the articles highlights the efforts of the Bank of China Sichuan Branch in enhancing financial services for private enterprises in Sichuan, leading to a loan growth rate exceeding 23% for private enterprises [1][2] - The bank has introduced a series of financial products and services aimed at addressing the financing challenges faced by private enterprises, including a customized financial service plan for a Xiaomi store that secured a loan of 10 million yuan [2][3] - The Sichuan Branch has provided significant financial support to key projects, such as approving over 1.1 billion yuan in loans for Geely's commercial vehicle company since 2018, with 30 million yuan disbursed in 2024 alone [2][3] Group 2 - The bank has actively facilitated the implementation of national policies, such as the integration of cross-border currency pools, benefiting local enterprises by expediting the process of policy access and funding management [3] - For small and micro enterprises, the bank has launched the "Tianfu Foreign Trade Loan," which provides low-cost and efficient credit support, exemplified by a 2 million yuan credit approval for an import-export company within two days [3][4] - The bank has also focused on agricultural financing, creating tailored loan products like the "Supply and Marketing Technology Planting Loan," which can reach up to 3.5 million yuan to alleviate funding pressures for farmers [3][4]

"小保单"托举民生"大保障"。在国家大力推进普惠金融与消费升级的战略背景下，在粤港澳大湾区建设 纵深推进的关键阶段，国务院《关于做好金融"五篇大文章"的指导意见》犹如及时春雨，为金融业服务 实体经济、服务百姓民生指明方向。普惠保险作为普惠金融的重要构成部分，正以其独特的保障功能和 社会价值，为增进民生福祉、提升保障水平、服务高质量发展注入强劲动能。 近年来，中国人寿保险股份有限公司（以下简称"中国人寿寿险公司"）始终践行"金融为民"初心，充分 发挥综合金融优势与业务协同效应，以"一个国寿 一生守护"为理念，创新构建多层次医疗保障"广东模 式"，努力打造破解民生保障难题的"国寿样本"。 守护全生命周期，构建普惠金融服务体系 金融是国民经济的血脉，关系中国式现代化建设全局。作为我国普惠金融的重要组成部分，发展普惠保 险是践行金融工作政治性、人民性的必然要求，是服务中国式现代化建设的重要任务，亦是保险业高质 量发展的内在需要。中国人寿始终践行"国之大者"的使命担当，以创新为驱动，构建起覆盖全生命周期 的普惠金融服务体系。 从广州"穗岁康"到珠海"大爱无疆"，从江门"邑康保"到佛山"佛医保"、中山"博爱康"..... ...

在加强普惠保险体系建设方面，实施方案要求，推进保险公司专业化体制机制建设；丰富普惠保险 产品供给，推动农业保险持续"扩面、增品、提标"，开发推广适应小微企业需求的财产保险、责任保 险、出口信用保险等产品，推动保险公司加大对农民健康保险、养老保险、意外伤害保险、人寿保险等 人身保险产品供给；提供优质普惠保险服务，探索对普惠保险产品的精算回溯；强化普惠保险监管政策 引领，研究将普惠保险发展情况纳入保险公司监管评价体系。 此外，实施方案要求，各级金融管理部门和银行保险机构要抓好组织协调、强化队伍建设、增强数 字赋能、做好宣传引导、加强上下联动，为实施方案落地落实提供有力组织保障。 新华社北京6月26日电（记者张千千、李延霞）国家金融监督管理总局、中国人民银行26日对外发 布《银行业保险业普惠金融高质量发展实施方案》明确，未来五年基本建成高质量综合普惠金融体系， 并提出16条具体措施。 实施方案提出，优化普惠金融服务体系。健全多层次、广覆盖、差异化的普惠金融机构体系。完善 县乡村金融服务，提升县域金融服务水平，巩固基础金融服务的覆盖面和保障能力。 在巩固提升普惠信贷体系和能力方面，实施方案要求，一是完善普惠信贷管理体 ...

Core Viewpoint - The implementation plan aims to enhance inclusive finance in China by optimizing the service system, strengthening credit support for small and micro enterprises, and improving the insurance framework to meet diverse financial needs of the public and the real economy [2][3]. Group 1: Inclusive Credit System - The plan encourages banks to maintain effective incremental credit supply to small and micro enterprises and to strengthen credit support for private enterprises [2][3]. - It emphasizes the importance of optimizing credit approval models, reducing reliance on collateral, and enhancing the use of data for small and micro enterprises to improve approval efficiency [3]. - The plan also highlights the need for banks to monitor the flow of loan funds to ensure they are used to support private enterprises and the real economy [3]. Group 2: Inclusive Insurance System - The plan calls for insurance companies to establish a specialized management system for inclusive insurance, including the creation of dedicated departments to oversee inclusive insurance initiatives [6]. - It aims to diversify the supply of inclusive insurance products, particularly in agriculture and for small and micro enterprises, by developing tailored insurance offerings [6]. - The plan encourages insurance companies to simplify underwriting processes and improve claims processing times to enhance service quality for underserved groups [6][7].

期货日报网讯（记者 刘威魁）6月26日，第14届中国（广州）国际金融交易·博览会（简称"金交会"）在广州拉开帷幕。作为服务国家金 融改革与区域经济发展的重要平台，本届展会以"金融聚力扩内需 驱动产业新格局"为主题，集中展现金融服务实体经济、赋能产业升 级的创新实践。为期三天的展会规划展览面积2万平方米，吸引312家金融机构及企业参展，设置金融党建、交流合作、银行保险、资 本市场等8大主题展区，通过政策落地展示、产业联动对接、数字金融实践、开放合作成果、金融文化赋能五大维度，精彩呈现大湾区 金融创新发展的最新成果，为推进金融强省、金融强市建设注入强劲动力。 展会期间，20余场高端活动将陆续举办，涵盖学术交流、政策宣讲、产业服务等领域。"新产业 新技术 新模式 新动能"数智金融助力高 质量发展主旨会议上，中国金融学会副会长欧阳卫民、全国社保基金理事会原副理事长王忠民等重磅嘉宾，将围绕"数智金融与产业生 态发展""普惠金融深化实践""产业并购机遇"等议题展开研讨；广东省金融服务"百千万工程"推进会将聚焦城乡融合发展的金融解决方 案，2025"金羊奖"金融学术交流活动则首次启动"走进高校"系列，推动金融知识普及与人才 ...

6月26日，国家金融监督管理总局、中国人民银行联合发布《银行业保险业普惠金融高质量发展实施方 案》。《实施方案》明确，未来五年基本建成高质量综合普惠金融体系，普惠金融促进共同富裕迈上新台 阶。普惠金融服务体系持续优化，普惠信贷体系巩固完善，普惠保险体系逐步健全。 银行业保险业普惠金融高质量发展实施方案 为认真落实中央金融工作会议精神和《国务院关于推进普惠金融高质量发展的实施意见》（国发〔2023〕15 号）、《国务院办公厅关于做好金融"五篇大文章"的指导意见》（国办发〔2025〕8号），切实做好普惠金融 大文章，实现雪中送炭、服务民生，更好满足人民群众和实体经济多样化、普惠性的金融需求，特制定实施方 案。 一、基本原则 ——坚持党的领导。坚持加强党中央集中统一领导，不折不扣将党的领导贯彻到普惠金融工作全过程各方面， 推动将党的政治优势、组织优势转化为普惠金融发展优势。 ——坚持人民至上。牢固树立以人民为中心的价值取向，坚持普惠金融发展为了人民、依靠人民、成果由人民 共享，不断提升普惠金融服务人民群众生产生活的能力和水平。 ——坚持又普又惠。坚定不移走中国特色金融发展之路，遵循市场化法治化原则，统筹发展和安全， ...

Core Viewpoint - The implementation plan aims to enhance the quality of inclusive finance in the banking and insurance sectors, focusing on meeting diverse financial needs of the public and the real economy [1][2] Group 1: Implementation Plan Objectives - The plan emphasizes optimizing the inclusive financial service system and establishing a multi-tiered, widely covered, and differentiated inclusive financial institution system [1] - It aims to strengthen the inclusive credit system, improve credit management, enhance credit services for small and micro enterprises, and increase credit support for agriculture and poverty alleviation areas [1] - The plan also focuses on building a robust inclusive insurance system, promoting specialized mechanisms in insurance companies, and enriching the supply of inclusive insurance products [1] Group 2: Systematic Requirements - The plan outlines five systematic requirements: organizational coordination, team building, digital empowerment, publicity guidance, and upward and downward linkage [2] - It calls for proactive collaboration and information sharing to integrate inclusive finance into local development strategies [2] - The plan emphasizes enhancing digital capabilities to improve risk monitoring and management in inclusive finance [2] - It encourages active promotion of inclusive finance policies and financial literacy to ensure effective implementation [2] - The plan stresses the importance of addressing major issues and risks in inclusive finance through timely reporting and collaboration [2]

6月27日（星期五） 09:30-16:30 新产业 新技术 新模式 新动能 ——数智金融助力高质量发展 第14届中国（广州）国际金融交易 · 博览会 主旨会议 基本信息 会议时间 会议地点 广州·中国进出口商品交易会展馆A区二层4.2馆 主办单位 09:30-09:40 主持开场 清华大学五道口金融学院 承办单位 北京清控金媒文化科技有限公司 广州金交会投资管理有限公司 《清华金融评论》编辑部 会议议程 吴 荻 广东卫视主持人 09:40-09:50 主办方致辞 张 伟 清华大学五道口金融学院党委委员、院长助理，《清华金融评论》执行主编 09:50-10:00 领导致辞 10:00-10:50 主旨演讲 欧阳卫民 中国金融学会副会长，广东省原副省长，国家开发银行原行长 王忠民 全国社保基金理事会原副理事长 10:50-11:20 高端对话 主持嘉宾： 吴 荻 广东卫视主持人 对话嘉宾： 欧阳卫民 中国金融学会副会长，广东省原副省长，国家开发银行原行长 王忠民 全国社保基金理事会原副理事长 11:20-11:40 主题发言：正确理解普惠金融 11:20 11:40 主题发言：正确理解普惠金融 贝多广 中国人民 ...