2025年春季招聘还未完全结束，针对2026届毕业生，各家银行已纷纷启动暑期实习活动。 券商中国记者梳理，5月以来，兴业银行、浙商银行、杭州银行、上海农商行等多家银行启动了2025年暑假"招募 令"。从放出的实习项目来看，科技类岗位最火热，此外也有银行为理工科开辟了专属通道，还有银行表态，优秀 者可直接留用。 金融科技实习岗最热 近期，多家银行发布暑期实习招聘公告，其中金融科技、信息科技类岗位最为突出。 如兴业银行发布了2025年"雏雁计划"暑期实习生招聘公告，该行的总行部门、境内分行以及子公司部门均将"金融 科技实习生"岗位放在招聘首位，工作内容主要参与协助金融科技课题研究、大数据分析与应用、金融科技项目开 发建设等。 股份行中，金融科技类岗也是今年浙商银行暑期实习岗位中最多的一类，占据总岗位类别的四分之一，具体包括 信息安全岗、数据开发岗、算法开发岗、Java开发岗、系统运维岗等。 杭州银行也于近期发布了2026届校招提前批暨"摘星计划"暑期实习生招聘信息，该行总行实习生要求为经济类(如 金融、经济)或理工类(如数学、统计、计算机)相关专业；此外，总行信息技术部实习生要求为计算机相关专业。 针对2026届 ...

2025年5月17日，清华五道口全球金融论坛召开期间，清华大学五道口金融学院国际战略咨 询会议成功举办。本次会议是五道口金融学院首届国际战略咨询会议，旨在为学院的未来发 展提供战略建议，推动学院成为具有中国特色的世界顶尖金融学院。 图为会议现场 来自金融、学术、政策和国际领域的多位知名人士参加了此次会议。其中包括波兰前总理马雷克· 贝尔卡（Marek Belka），联合国前副秘书长马克・马洛赫-布朗勋爵（Lord Mark Malloch Brown），欧洲保险业联合会前主席塞尔吉奥·巴比诺特（Sergio Balbinot），中国人民银行金融研 究所所长丁志杰，（香港）金融学院行政总裁冯殷诺，中国金融40人论坛学术顾问、重庆市原市 长黄奇帆，中国人民银行原副行长李东荣，清华大学金融科技研究院院长廖理，清华大学五道口 金融学院名誉院董、香港中小上市公司协会会长李杰峰，第十四届全国政协常委、全国政协经济 委员会委员李瑶，中国金融学会副会长欧阳卫民，纽约大学斯特恩商学院荣休教授鲁里埃尔·鲁比 尼（Nouriel Roubini），日本央行前行长白川方明（Masaaki Shirakawa），巴西央行前副行长、 国 ...

1 | 2. 公司改革与转型有哪些成效？ | | --- | | 当前证券行业迎来中长期资本入市、服务新质生产力等 | | 宝贵机遇，也面临盈利模式转换、竞争格局重构等挑战，申 | | 万宏源坚持一张蓝图绘到底，锚定打造一流投资银行和投资 | | 机构目标，强化功能定位，坚持以客户为中心，秉持"以重 | | 促轻、轻重融合"的经营策略，持续深化业务转型，推动提 | | 高轻资本业务市场竞争力，提升 FICC、权益及衍生品等业务 | | 稳健投资回报水平，不断健全综合金融服务体系，强化产品 | | 设计、资产配置、风险定价、产业研究、金融科技等核心专 | | 业能力。2025 年第一季度，公司实现合并营业收入 54.79 亿 | | 元，净利润 22.47 亿元，同比增长 35.62%；全资子公司申万 | | 宏源证券实现归母净利润 22.06 亿元，同比增长 36.76%。其 | | 中，实现投资收益及公允价值变动损益合计 33.35 亿元，同 | | 比增长 13.95%，经纪业务手续费净收入同比增长 28.83%，投 | | 资银行手续费净收入同比增长 79.40%，经营业绩稳定。 | | 3. 请介绍一 ...

Group 1 - The core point of the news is that Bank of China is issuing A-shares to specific investors to raise capital, with the issuance approved by relevant regulatory bodies [2][3][4] - The issuance price is set at 5.93 yuan per share, adjusted from an initial price of 6.05 yuan due to dividend distribution [3][4] - The total number of shares to be issued will be determined based on the final approval from regulatory authorities and may be adjusted according to market conditions [4][10] Group 2 - The funds raised from this issuance will be used to increase the bank's core Tier 1 capital, supporting future business development [2][8] - The bank's major risks include potential deterioration in loan quality, liquidity risks, and the impact of global economic conditions on its operations [6][8][9] - As of December 31, 2024, the bank's non-performing loans totaled 268.781 billion yuan, with a non-performing loan ratio of 1.25% [8][9] Group 3 - The banking industry in China is experiencing significant growth, with total RMB loans reaching 255.6778 trillion yuan as of December 31, 2024, and an average annual growth rate of 10.30% over the past five years [21][23] - The industry is increasingly focused on supporting high-quality economic development and responding to national strategies [22][23] - The demand for retail banking services is rising, driven by urbanization and increasing consumer income levels, leading to a shift towards higher-quality goods and services [24][25]

作为国内ETF管理及指数化投资领域当之无愧的领头羊，华夏基金目前已经建立了业内最为完善的ETF 产品线，覆盖各类宽基、行业主题、策略类、跨境以及商品等细分类型，为投资者提供一站式ETF配置 服务。Wind数据显示，截至2024年末，华夏基金旗下权益ETF管理规模超6500亿元，年均规模连续20年 稳居行业第一，更是境内唯一一家连续8年获评"被动投资金牛基金公司"奖的基金公司。而在产品布局 方面，华夏基金坚持以前瞻视野和投资者需求为导向，除了积极布局ETF产品，包括本次发行的华夏金 融科技ETF联接，公司也会适时推出ETF联接产品，为广大场外投资者提供丰富的指数投资工具。 风险提示：基金管理公司不保证本基金一定盈利，也不保证最低收益。投资者在投资基金之前，请仔细 阅读本基金的《基金合同》、《招募说明书》和《产品资料概要》等基金法律文件，充分认识本基金的 风险收益特征和产品特性，认真考本基金存在的各项风险因素，并根据自身的投资目的、投资期限、投 资经验、资产状况等因素充分考虑自身的风险承受能力，在了解产品情况及销售适当性意见的基础上， 理性判断并谨慎做出投资决策，独立承担投资风险。本资料不作为任何法律文件，资料中 ...

金融科技ETF华夏（516100）紧密跟踪中证金融科技主题指数，聚焦金融与科技深度融合的优质企业， 全面覆盖多个高景气板块，包括互联网券商、金融IT、移动支付、人工智能产业链以及信创领域，兼具 金融属性与科技创新能力，其前十大成分股涵盖行业龙头，包括同花顺、东方财富、恒生电子、润和软 件、东华软件、指南针、新大陆、宇信科技、银之杰和广电运通，权重合计达53.28%，具有显著的代 表性，一键布局，分享金融科技行业的长期成长红利。 消息面上，据央视新闻，5月22日下午，科技部、中国人民银行、金融监管总局等多部门联合发声，就 加快构建科技金融体制，提出了多种创新方案。中国人民银行副行长、国家外汇局局长朱鹤新表示，中 国人民银行已经将科技创新和技术改造再贷款的规模由5000亿元提升到8000亿元，同时下调再贷款利 率，由1.75%下调到1.5%。 国金证券表示，券商板块高盈利能力与当前较低的估值产生错配，且政策与并购主题有望成为催化剂， 高市场活跃度下金融科技板块也有望成为贝塔放大器，看好券商及金融科技板块。 （本文机构观点来自持牌证券机构，不构成任何投资建议，亦不代表平台观点，请投资人独立判断和决 策。） 5月23 ...

Core Viewpoint - The integration of information technology and financial technology promotes innovation and service efficiency in the financial sector, but it also introduces numerous potential risks that require comprehensive and effective preventive measures [1] Risk Characteristics - Risks in the financial technology sector exhibit complexity, encompassing traditional financial risks as well as emerging risks such as cybersecurity and data breaches. These risks are interwoven, making precise identification and differentiation challenging. For instance, a hacker attack on financial systems can lead to data loss, triggering a crisis of user trust and financial losses [2] - The rapid spread of these risks can significantly impact a wide range of stakeholders. Additionally, vulnerabilities within information technology systems may remain hidden for extended periods, complicating detection. Certain risks may not be apparent during normal operations but can result in severe consequences under specific conditions, such as algorithmic flaws in online investment platforms during market volatility [2] Common Types of Risks - Cybersecurity issues are a significant category, as the shift of financial technology operations online has led to increased threats from hackers and malware. Criminals exploit vulnerabilities in financial institutions' networks to steal personal information and commit fraud, with many online banking users experiencing unauthorized account access [3] - Data quality issues pose substantial risks, potentially leading to erroneous decision-making by financial institutions. Inaccurate or incomplete data can result in banks extending loans to high-risk clients, increasing the likelihood of bad debts. Furthermore, incorrect credit rating data may also lead to similar outcomes, while poor data storage and management can result in data breaches, causing losses for both clients and institutions [3] Regulatory Policies - The country is continuously optimizing regulatory measures in the information technology and financial technology sectors. This includes the introduction of relevant laws and regulations to define industry entry standards and operational rules, aiming to prevent non-compliant companies from entering the market and disrupting financial order [4] - Regulatory authorities have strengthened oversight of financial technology innovations, conducting detailed assessments and ongoing monitoring of emerging financial technology products and business models to ensure their stable growth in compliance with laws and regulations. For example, regulations on virtual currency trading have effectively curbed potential risks such as financial fraud and illegal fundraising [4] Technological Risk Control - The use of artificial intelligence (AI) for risk monitoring and early warning is becoming prevalent. AI algorithms can analyze vast amounts of financial transaction data in real-time, identifying abnormal transaction patterns to quickly detect potential risks. Some banks utilize AI technology to promptly capture signs of unauthorized credit card usage and take preventive measures [7] - Blockchain technology enhances risk control capabilities by ensuring that transaction records cannot be easily altered and can be traced, thereby increasing the transparency and security of financial transactions. This is particularly effective in supply chain finance, where blockchain applications can significantly reduce fraudulent activities [7] Employee Awareness and Emergency Response - Financial institutions should enhance employee awareness of risks associated with information technology and financial technology. Regular training sessions are necessary to ensure employees understand the latest types of risks and response strategies. A lack of awareness can lead to exploitation by criminals, resulting in information leaks [8] - Establishing a robust employee evaluation and reward system is essential. Employees who excel in risk control should be rewarded, while those who violate operational regulations should face penalties. This approach can motivate employees and improve the organization's overall risk control capabilities [8] - Financial institutions need to establish emergency plans to respond swiftly to risk situations. Clear responsibilities for departments and individuals must be defined to ensure orderly emergency operations. In the event of a hacker attack, emergency protocols should be activated immediately to restore normal system operations [8] - Regular emergency drills are crucial for testing the feasibility and effectiveness of emergency plans, revealing shortcomings for improvement. Drills enhance employees' ability to respond to unexpected events, ensuring organized actions when real risks arise [8]

Core Insights - The article emphasizes the crucial role of private enterprises in China's economic transformation and the importance of financial support from banks to foster their growth [1][2] Group 1: Financial Support for Private Enterprises - Banks are innovating financial products and optimizing services to provide targeted support for private enterprises, enhancing their development potential [1][2] - The case of Beijing Mingjia Semiconductor illustrates how timely bank credit support is essential for companies during their production ramp-up phases [1][2] Group 2: Innovation in Financial Products and Services - The introduction of the "Minying Economy Promotion Law" is seen as a significant policy breakthrough, improving the legal framework for private enterprises and facilitating access to low-cost funding [2] - Various banks are launching innovative financial products, such as ICBC's "Zhu Shang Combination Loan" and Agricultural Bank's "Nongyin Zhichain" service platform, to address financing challenges faced by small and micro enterprises [2][3] Group 3: Leveraging Financial Technology - The integration of financial technology is crucial for enhancing service capabilities, with banks encouraged to adopt digital technologies to create a more efficient financial service system for private enterprises [3][4] - The use of AI and big data can streamline risk assessment and loan approval processes, improving the efficiency of credit allocation to private enterprises [3][4]

Core Insights - Airwallex has successfully completed a $300 million Series F funding round led by Square Peg, with participation from DST Global, Lone Pine Capital, Blackbird, Airtree, Salesforce Ventures, and several established pension funds. Visa Ventures also joined as a strategic investor [2]. Company Overview - Airwallex is a leading global payment and financial platform that provides modern enterprises with global payment, financial management, expense control, and embedded financial solutions. The company utilizes its self-built global financial service infrastructure to address various frictions and inconveniences in global payments and financial operations, enabling businesses of all sizes to seize new global opportunities and achieve borderless growth. Its core services include global business accounts, global acquiring, global spend management, and platform APIs, with a technological advantage that allows clients to instantly generate local accounts in over 60 countries and conduct fund transfers in more than 150 countries, significantly surpassing traditional banks in speed and efficiency [3]. Funding Utilization - The funding will assist Airwallex in further expanding its global financial service infrastructure and continuously optimizing its software platform to support businesses in achieving borderless growth. The CEO, Jack Zhang, emphasized that this financing marks a significant step in reshaping the global financial system and empowering businesses of all sizes for globalization. The funds will be used to accelerate business expansion in regions such as the Americas, Europe, the Middle East and Africa, and Latin America, while also enhancing technology and service capabilities to provide more efficient and convenient global financial services [4]. Investment Rationale - Square Peg's founder noted that Airwallex is experiencing rapid business growth, with a compound annual growth rate of over 250% in gross profit in both the Americas and Europe, the Middle East, and Africa. The company has built a robust global financial service infrastructure through direct integration with local clearing systems and card networks, along with one of the most comprehensive licensing arrangements in the fintech sector. There is confidence in Airwallex's team's exceptional execution and innovation capabilities to continue leading transformation in the global payment and financial sector, creating substantial returns for investors [4]. Market Perspective - The recent funding round for Airwallex is viewed as a significant event in the global fintech sector, reflecting the market's high recognition of its business model and technological strength. The urgent demand for digital transformation in the global payment and financial markets, coupled with supportive government policies promoting fintech innovation and development, positions Airwallex to stand out in this trend and set new benchmarks for the industry. For venture capital institutions, investing in Airwallex is not only an acknowledgment of its technological strength and market potential but also a strategic move to capitalize on the global fintech development trend. This funding represents a crucial milestone for Airwallex, providing strong support for further business expansion and competitiveness [5].

明日主题前瞻 1、AI伴侣 | 据智通财经报道，OpenAI日前宣布以65亿美元全股收购由苹果前首席设计师JonyIve创立的AI硬件初创公司io，并计划推出一款革命性的AI"伴 侣"设备，目标在2026年底前发货1亿台。这款设备旨在成为一款环境感知智能体，可放置在口袋或书桌上，通过多模态AI（结合语音、视觉和上下文理解） 无缝融入用户日常生活。设备将超越传统智能手机，提供更直观、自然的交互体验，例如通过环境感知回答问题或主动提供生活建议。 点评：分析认为，在大模型技术的加持下，AI陪伴产品具备更强的互动沉浸感和趣味性，可更好的满足用户情绪价值需求及生活服务等多场景需求，为社 交陪伴带来更多的可能性。消费者对情感陪伴和智能化体验需求不断提升的驱动下，AI陪伴产品市场正加速爆发。根据贝哲斯咨询，2023年全球陪伴机器 人市场规模为750亿元，预计2029年达到3043亿元，2024-2029年CAGR达25.56%。随着后续OpenAI现象级AI伴侣产品的推出，AI硬件产品市场望迎来奇点 时刻。 2、固态电池 | 5月22日，中国汽车工程学会正式发布《全固态电池判定方法》团体标准，首次明确了全固态电池的定义，解 ...