Group 1: Financial Forum Highlights - The 2025 Lujiazui Forum focused on "Financial Openness and High-Quality Development in the Global Economic Landscape," gathering international guests to discuss new development paths and financial empowerment for the economy [1] - The forum coincided with the first meeting of the Shanghai International Financial Center Construction Coordination Mechanism, emphasizing the need for enhanced financial risk management and offshore financial functions [1][2] - A series of significant policies and documents were released by Chinese financial authorities to support the construction of the Shanghai International Financial Center, including the establishment of the China Capital Market Society [1][2] Group 2: Central Government Support - The Central Financial Work Conference emphasized enhancing the competitiveness and influence of the Shanghai International Financial Center, with a goal to elevate its capabilities over the next five to ten years [2] - The Central Financial Committee issued opinions to support the construction of the Shanghai International Financial Center, aiming for a modern financial system with improved adaptability and competitiveness [2] Group 3: Financial Cooperation Between Shanghai and Hong Kong - The Shanghai and Hong Kong financial centers signed the "Shanghai-Hong Kong International Financial Center Collaborative Development Action Plan," outlining specific directions for cooperation [5] - The collaboration aims to enhance the internationalization of the Renminbi and improve financial infrastructure connectivity between the two cities [5][6] Group 4: Capital Market Development - The capital market is seen as a core component of the modern economic financial system, with ongoing volatility due to global factors [6][7] - The Shanghai and Hong Kong stock exchanges are expected to leverage their strengths for mutual development, creating a multi-layered market system [7] Group 5: Technological and Green Finance - The forum highlighted the role of financial support in developing new productive forces, with policy banks emphasizing resource allocation and collaboration with enterprises [9] - Green finance was discussed as a crucial element for sustainable economic development, with calls for improved policies and standards [11][12] Group 6: Inclusive Finance and AI Integration - Discussions on inclusive finance focused on leveraging new technologies to enhance service accessibility and efficiency [13] - The integration of AI in finance was noted as a trend, with emphasis on regulatory cooperation to ensure balanced development [14]

Core Viewpoint - The article emphasizes the importance of inclusive finance and its evolution through digital technology, highlighting the ongoing challenges faced by small and micro enterprises in accessing affordable financing [1][3]. Group 1: Current State of Inclusive Finance - Despite the growth in the scale of inclusive microloans in China, issues of financing difficulties and high costs remain significant challenges for small and micro enterprises [1]. - The rapid development of digital technology is seen as a turning point for improving the accessibility and balance of inclusive finance services [1][3]. Group 2: Role of Digital Technology - Digital technology provides financial institutions with efficient tools to reduce operational costs and enhance service efficiency, potentially alleviating the conflict between inclusive finance and commercial interests [1]. - The digital transformation of credit services is crucial for accurately identifying and meeting the financing needs of key demographics, thereby improving service quality for small and micro enterprises [3]. Group 3: Measuring Inclusivity and Accessibility - Inclusivity in finance is characterized by the broad coverage of services to meet diverse needs, while accessibility focuses on ensuring that more individuals can effectively obtain financial services [3]. - Two key standards for measuring accessibility are the rationality of risk coverage and the alignment with real-world financing needs [3]. Group 4: Challenges and Opportunities - China is recognized as a leader in digitalization, with smartphone penetration at 85% and digital payment users at 80%, surpassing many developed countries [6]. - However, challenges such as urban-rural digital disparities and intense market competition are present, necessitating a combined approach of traditional and digital services to ensure no one is left behind [6]. - The advanced digital infrastructure in China presents unique advantages for development, particularly in the insurance sector, where effective solutions rather than mere product sales are emphasized [7].

Core Viewpoint - The article highlights the significant gap in accessibility to advanced medical treatments, particularly for cancer patients, despite improvements in basic medical insurance coverage and the introduction of commercial health insurance as a supplementary option [1][6]. Group 1: Accessibility of Advanced Medical Treatments - Advanced treatments like proton and heavy ion therapy are financially burdensome, with costs reaching approximately 380,000 yuan for patients, which is often unaffordable without insurance [1][5]. - The limited number of hospitals offering such advanced treatments (only about 10 nationwide) exacerbates the accessibility issue [5][6]. - Commercial health insurance is becoming a crucial safety net for families facing high medical costs, with products like "Good Medical Insurance" covering advanced treatments [6][7]. Group 2: Commercial Health Insurance Developments - The recent upgrade of the "Good Medical Insurance" series includes coverage for advanced hospitals and a wide range of innovative drugs, aiming to enhance accessibility to high-quality medical services [3][8]. - The upgraded insurance products cover over 1,500 advanced medical devices and drugs, with a zero deductible policy, allowing for full reimbursement of eligible expenses [9][11]. - The insurance aims to provide a three-tiered protection system: comprehensive basic medication, advanced medical devices for all diseases, and reduced financial burden for serious illnesses [7][9]. Group 3: Market and Policy Implications - The article emphasizes the need for policy guidance and market exploration to ensure that commercial health insurance effectively complements basic medical insurance and addresses the high costs of new drugs and treatments [2][6]. - The anticipated growth in the market for innovative drugs, projected to reach 162 billion yuan in sales by 2024, indicates a significant opportunity for commercial health insurance to expand its role [7][12]. - The upgrade of "Good Medical Insurance" reflects a broader trend towards making high-end medical services more accessible to the general public, aligning with national health improvement goals [11][12].

Core Viewpoint - The company is actively promoting the integration of investor education into the national education system, aiming to enhance financial literacy and support the healthy development of the capital market [1][7]. Group 1: National Education System Integration - The company is responding to a joint initiative by the China Securities Regulatory Commission and the Ministry of Education to incorporate investor education into the national education system [1]. - The company aims to improve national financial literacy and establish a solid financial safety net through systematic and professional financial knowledge education in schools [1][7]. Group 2: Curriculum Development - The company has developed a tiered national education system that covers multiple age groups and integrates home and school education [2]. - In primary and secondary education, the company has created financial literacy courses tailored to different age groups, including engaging materials like storybooks and animations [2][4]. Group 3: Collaboration and Practical Courses - The company has partnered with Shanghai Ocean University to offer elective courses on financial markets, which have been running for ten semesters [4]. - It has also collaborated with Shanghai Stock Exchange and Fudan University to conduct joint practical courses, reaching over 2,100 participants in four years [4][6]. Group 4: Community Engagement and Outreach - The company has extended its financial literacy programs to over 100 primary and secondary schools across the country, engaging students and families through initiatives like the "Seed Teacher" program [5][6]. - Over three years, the company has conducted more than 150 activities, reaching over 10,000 youths and families [5]. Group 5: Recognition and Future Plans - The company's efforts in national education have been recognized with awards from the Shenzhen Stock Exchange and the Shanghai Stock Exchange [7]. - The company plans to continue its commitment to enhancing national financial literacy through innovative and practical approaches [7].

Group 1: Inclusive Finance Development - Inclusive finance is a crucial pathway for achieving social equity and economic inclusiveness, with discussions at the 2025 Lujiazui Forum focusing on enhancing the balance and accessibility of inclusive financial services [1] - Experts emphasize the need for collaboration among different financial institutions to promote high-quality development of inclusive finance, with policy banks playing a leading role in supporting underdeveloped areas through medium to long-term loans [3][5] - The challenges of inclusive finance, such as information asymmetry and high costs, are being addressed through innovations like mobile payments and digital banking, which have significantly improved global coverage and convenience [5] Group 2: AI Empowerment in Finance - Artificial intelligence (AI) is a key topic at the forum, with discussions highlighting its dual role in providing opportunities and challenges for the financial industry [8][12] - AI technology is deeply integrated into core financial business scenarios, driving efficiency improvements, particularly in risk control and compliance [10][13] - Financial institutions are increasingly adopting AI for various applications, including algorithmic trading and intelligent investment advisory, reshaping traditional business logic [10][13] Group 3: Green Finance Collaboration - The forum also addresses the pressing need for green finance in light of escalating climate change issues, with discussions on enhancing international cooperation and improving the green finance service system [14][16] - Experts point out that global performance in green finance is below expectations, necessitating continued efforts to tackle climate change and promote sustainable development [16] - Recommendations include establishing a standard system, fostering product innovation, and enhancing collaboration to address the challenges faced by green finance [17][20]

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 6月27日 期待您的到来！ 基本信息 会议时间 6月27日（星期五） 09:30-16:30 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 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 报名参会 扫描二维码或点击文末"阅读原文"报名 论坛实行"预先实名登记"和"一人一码"原则，主办方于 6月26日（周四）12:00之前 ，审核报名信 息，审核通过后将发送确认短信， 请凭确认短信中的链接点击获取入场二维码 "一人一码"有序 入场。 请携带身份证原件备查，门票二维码严禁转让或给予他人使用。 会议议程 09:30 会议开始 主持人： 吴 荻 广东卫视主持人 09:30-10:00 开幕式 《清华金融评论》编辑部 ·主办方致辞 ·领导致辞 ·领导讲话 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 对话嘉宾： 欧阳 ...

编号:2025-08 投资者关系活动类 别 特定对象调研 □分析师会议 □媒体采访 业绩说明会 □新闻发布会 □路演活动 □现场参观 □其他： 参与单位名称及人 员姓名 中泰证券邓美君、王玉瑶，招商基金罗丽思 时间 2025 年 6 月 20 日下午 地点 本行 4 楼会议室 上市公司接待人员 姓名 本行高管及相关部门人员 投资者关系活动主 要内容介绍 1. 美国关税政策对贵行客户影响如何？贵行有何应对措施？ 答：从整体来看，涉及对美进出口的企业在我行授信客户较少，总体 影响可控。我行将密切关注相关国际政策带来的变化，为企业提供汇率避 险等服务，助力企业规避贸易风险；同时加强对存量进出口授信企业的金 融支持力度，通过减费让利、优化流程等措施，助力企业拓展销路，降低 企业融资成本，提高融资效率。 2. 贵行全年新增贷款展望如何？ 答：2025 年我行贷款规模预计保持稳步增长。我行将继续围绕支持实 体经济、服务乡村振兴，加大涉农、普惠小微的信贷投放，夯实"支农支 小"的战略定位，持续加强对普惠金融、绿色金融、战略性新兴产业等重 点领域的支持力度，持续积极推进信贷业务增长，紧跟金融发展趋势，不 断调整和优化信贷投放 ...

Core Insights - The release of the "Intelligent Risk Control Practice White Paper" by Tencent Cloud and the Beijing National Financial Standardization Research Institute addresses four major pain points in the financial industry: data sharing barriers, model adversarial bottlenecks, industrialization of black and gray production, and imbalances in inclusive risk control [1][5][7] Group 1: Industry Challenges - The financial industry faces significant challenges due to the rapid digital transformation, including security risks from technological upgrades, compliance pressures from regulatory requirements, and the economic inefficiencies of traditional digital systems in the context of inclusive finance [7] - The white paper emphasizes the need for financial institutions to transition from "human defense" to "technical defense and intelligent control" systems, driven by policies aimed at accelerating the intelligent transformation of risk management [7][8] Group 2: Proposed Solutions - Tencent Cloud's "data-model-application" three-layer architecture is introduced as a solution to enhance intelligent risk control capabilities, where data serves as the foundation, models act as the core engine, and applications represent the practical value [8][10] - High-quality data is identified as essential for intelligent risk control, with multi-dimensional data integration improving fraud detection capabilities and expanding risk control coverage [10][11] Group 3: Model Capabilities - The financial risk control model developed by Tencent Cloud utilizes knowledge distillation technology to create a foundational model that can be customized with minimal sample data, significantly improving anti-fraud effectiveness and reducing modeling time [12] - The model's performance is evidenced by a 20% improvement in anti-fraud effectiveness (KS value) and a 53% enhancement in cross-scenario generalization capabilities [12] Group 4: Real-World Applications - Tencent Cloud's intelligent risk control products have been successfully applied in various scenarios, such as credit fraud prevention and inclusive finance, with notable results including the interception of over 607 million yuan in fraudulent transactions by the "Sentinel" system of China CITIC Bank [16] - The white paper concludes that the exploration of intelligent risk control is ongoing, with future directions focusing on deepening collaborative defense, balancing compliance efficiency, and integrating risk control technology with business operations [17]

6月19日下午，上海银行党委书记顾建忠出席2025陆家嘴论 坛，就"提高普惠金融服务的均衡性和可及性"发表主题演讲。 封图：图片资料室 普惠金融永远在路上 ——只有更好，没有最好 顾建忠指出，普惠金融永远在路上——只有更好，没有最好。当前必须要提升均衡性，满足全部， 做好面上扩展；提升可及性，能够满足的尽量满足，加强下沉触达。 好的普惠金融服务 像呼吸一样融入日常 顾建忠特别指出，科技金融和普惠金融密不可分，尤其是近年来普惠金融"含科性"越来越高，科创 金融领域的"投早、投小、投硬"成为"普惠金融皇冠上的明珠"。银行在服务该类企业时，要秉持长 期主义和专业主义，做好"1234"。 "1"是坚持一个情怀，牢固树立发展科创金融是服务国家高质量发展、中国式现代化需要的价值判 断，秉持工匠精神、长期主义，久久为功。 "2"是重塑两个逻辑。一是重塑科创企业风险评价逻辑，从传统的看抵押、看现金流、看资产等当 下价值，转变为看技术、看团队、看科研创新、看市场前景的未来价值。二是重塑科创金融风险收 益平衡逻辑，不以单笔业务回报衡量与企业的合作价值，而是从多维度考量整体收益。 "3"是坚守三个理念——科创更前、科技更全、科研更 ...

Core Insights - Ant Insurance has upgraded its flagship health insurance product "Good Insurance" series for 2025, expanding coverage to include international departments and special needs departments of 470 top-tier hospitals across China, as well as certain private hospitals for specific diseases like cancer [1] - The upgrade enhances outpatient medication reimbursement responsibilities and adds over 1,500 advanced drugs and medical devices, including all imported drugs and nearly 400 original research drugs, promoting accessibility to high-end medical services [1][2] - The upgraded "Good Insurance" series includes three core products catering to different age groups: adults, seniors, and children, ensuring comprehensive health protection for families [1] Product Features - The 2025 version of "Good Insurance" expands the outpatient drug list to include all drugs approved by the National Medical Products Administration in 2024, allowing reimbursement for outpatient purchases during hospitalization [2] - The series introduces "exclusive family doctor services," which provide family health consultations and a dedicated advanced medicine hotline, enabling personalized medical advice and coordination with national hospitals and drug resources [2]