Core Viewpoint - China Life Insurance is leveraging digital finance to enhance customer experience and operational efficiency through innovative services like the quick claim service that eliminates the need for traditional claims processes [2][4]. Group 1: Digital Transformation - The company has established a digital operation control center that provides real-time data on sales, compliance, and service metrics, showcasing its commitment to digital transformation [4]. - China Life's insurance app has 160 service functions and 1.6 billion registered users, with over 11 million monthly active users, indicating a strong digital engagement [4][5]. - The company has integrated technology across all business processes, including sales, operations, risk control, and finance, achieving significant improvements in customer experience and operational efficiency [5]. Group 2: Technological Infrastructure - China Life's digital infrastructure is built on a "large backend + small frontend" model, allowing for efficient system integration and rapid deployment of applications [7][8]. - The company has adopted a cloud computing strategy, utilizing a hybrid cloud model to enhance data management and reduce costs [8]. - The implementation of the new insurance contract standards (IFRS17) has been automated, with China Life handling a data volume that is estimated to be equivalent to half of the total policies of the top seven life insurance companies combined [9]. Group 3: Open and Intelligent Development - The company emphasizes a focus on data rather than just technology, aiming to create value through open collaboration and innovation [11]. - China Life is advancing its research and development capabilities by integrating artificial intelligence into its software development processes, achieving approximately 30% code generation assistance [11]. - The company is exploring new business models by leveraging cross-industry experiences and creating a customer-centric service ecosystem that integrates online and offline channels [11][12].

Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) Dongguan Branch is actively promoting financial services tailored to the local context, focusing on five key initiatives to enhance financial support for the city's technological innovation and advanced manufacturing sectors [2][9]. Group 1: Financial Support for Technology Enterprises - ICBC Dongguan Branch has established a manufacturing center and a specialized technology branch to address financing challenges faced by local tech enterprises, employing professionals with engineering backgrounds to provide comprehensive "financing + intelligence" services [3]. - In the first half of the year, the bank issued over 20 billion yuan in loans to technology enterprises, with a total loan balance exceeding 47 billion yuan, and loans to specialized and innovative enterprises exceeding 5 billion yuan, all showing an increase of over 10% since the beginning of the year [3]. Group 2: Inclusive Finance for Small and Micro Enterprises - The bank has implemented a dual-driven model combining on-site visits by account managers and big data analytics to accurately assess the financing needs of small and micro enterprises [4]. - As of mid-year, the bank's inclusive loan balance exceeded 64 billion yuan, serving 28,000 small and micro clients, and has provided over 2 billion yuan in no-repayment loans to manufacturing clients [5]. Group 3: Green Finance Initiatives - ICBC Dongguan Branch is actively involved in establishing financial standards for the green transformation of the manufacturing sector, contributing to the development of a quantifiable low-carbon transition assessment system [6]. - In the first half of the year, the bank issued over 30 billion yuan in green loans, which accounted for more than half of the total corporate loan issuance, covering key areas such as wastewater treatment and photovoltaic power generation [6]. Group 4: Pension Finance Services - The bank is building a comprehensive pension finance ecosystem to address the challenges of an aging population, offering a wide range of products and services, including dedicated savings accounts and pension funds [7]. - The bank has provided convenient one-stop account opening services and has reached over 30,000 elderly individuals through community financial education activities this year [7]. Group 5: Digital Finance Transformation - Digital transformation is a core driver of high-quality development for ICBC Dongguan Branch, achieving a significant reduction in housing loan approval times from an average of three days to 30 minutes through direct integration with the local housing fund system [8]. - The bank has developed various digital platforms and tools, enhancing operational efficiency and customer service, including a real-time monitoring platform for educational funding and an API service for 318 partner units [8].

9月29日，中国信托业协会发布《2024—2025中国信托业社会责任报告》（以下简称《报告》），这也 是该协会连续十三年发布行业社会责任报告。 2024年，信托业务三分类新规从"开局起步"走向"全面深化"；进入2025年，行业更迎来了高质量发展的 新阶段。今年1月，国务院办公厅转发了国家金融监督管理总局《关于加强监管防范风险推动信托业高 质量发展的若干意见》，进一步为行业锚定方向、构筑框架，为信托业回归本源、行稳致远提供纲领性 指引。 做好"五篇大文章" 服务国计民生 《报告》显示，2024年，信托业围绕中央金融工作会议部署，将制度优势转化为服务经济社会发展的实 效，深耕主责主业，以做好"五篇大文章"服务国计民生。 科技金融方面，信托业聚焦科技创新攻关、高端制造业升级、战略性新兴产业培育及专精特新企业赋能 四大领域，支持科技创新项目规模达3376亿元。 绿色金融方面，信托业新增设立绿色信托项目390个，同比增长21.50%，新增绿色信托规模1779.44亿 元；绿色信托存续规模逾3000亿元，达到3253.88亿元。同时，开展绿色信托主题培训会46次。 投向实体16.68万亿元 《报告》显示，2024年，信托 ...

数字化重塑业务价值链 在中国人寿北京数据中心的数字化运营总控中心（ECC），通过一块电子屏幕，可以看到该公司实时经 营情况。这块大屏上，不但有销售板块的实时数据，还同时显示业务合规监测、服务调用量、应急响应 等情况。 "嘀！"随着医保卡划过读卡器轻响，上海市民王女士的就诊票据结算界面，随即跳出中国人寿赔付金额 已实时到账的消息。 无需理赔就可以获得保险赔付，王女士享受的是中国人寿医保商保融合快赔服务。这一服务模式，为客 户带来"免报案+免交费+免资料"、院端收费即可秒级全流程无人工理赔结案的体验。这是中国人寿近 年践行数字金融的一个成果。 日前，证券时报记者走进中国人寿位于北京的科技园，见证寿险"头雁"的科技硬实力，近距离观察数字 金融的国寿样本。这家老牌大型保险机构，正在书写一个践行金融工作的政治性、人民性，重视科技但 不唯技术论，以数字化平台为支撑，敏捷响应市场与客户需求的数字金融新篇章。 对于有数亿客户、超7万亿元资产的中国人寿来说，如何做到"快"？在总量大的同时，不同分公司的体 量差距又极大，如何搭建支持系统？中国人寿有两大法宝：一是"大后台+小前端"的科技布局；二是"众 智、敏捷、迭代"的组织行动准 ...

Core Viewpoint - The China Securities Regulatory Commission has emphasized the importance of digital finance and technology in enhancing the capital market, which aligns with the strategic initiatives of First Capital Securities to leverage financial technology for improved customer service and operational efficiency [1][2]. Group 1: Technological Empowerment - First Capital Securities is actively exploring cutting-edge financial technologies, increasing investments in AI, big data, blockchain, and cloud computing to optimize business processes and enhance service capabilities [2]. - The company has developed six core AI capabilities, including a large model platform and an internal knowledge base, which have significantly improved operational efficiency across various business scenarios [2]. - The company's AI collaboration project has been recognized as a typical case of financial technology innovation in the asset management industry by China Fund News [2]. Group 2: Independent R&D and System Upgrades - Following the launch of the securities industry's innovation work in 2024, First Capital Securities has integrated innovation governance into its IT development plan, establishing a "145 digital strategy" to support system construction [3]. - The company has enhanced its fixed income business by developing pricing models and trading systems, embedding AI models to create a fully intelligent ecosystem [3]. - In wealth management, the company has developed a comprehensive platform matrix through its "One Creation Smart Wealth" app, achieving a closed-loop of intelligent operations [3]. Group 3: Risk Management - First Capital Securities places a high priority on building a systematic information security framework, having obtained ISO27001 certification in 2022 and enhancing its security management processes [4]. - The company has implemented a network security management strategy that separates technical and business operations, ensuring a secure environment for partners and clients [4]. - Future plans include continuing to deepen innovation construction and optimizing customer experience while maintaining a focus on compliance and risk control [4].

1、巴基斯坦证券交易所(巴交所)发布新闻称，该交易所同巴基斯坦证券交易委员会(SECP)于9月23日签署谅解备忘录，以加强对资本市场的监督管理。协议 授权巴证券交易委员会可直接访问巴交所新监视系统，从而对市场进行更加智能、快捷、安全的监控。该监视系统是巴交所新交易系统的组成模块之一，采 购自深圳证券交易所，于2023年5月正式启用。 2、据巴基斯坦联合通讯社报道，世界银行9月23日发布了一份基于巴基斯坦25年官方家庭调查的报告，报告指出，该国贫困率由2001至2002财年的64.3%下 降至2018至2019财年的21.9%后，自2020年开始上升，预计2023至2024财年贫困率将升至25.3%。为解决这一问题，该报告呼吁进行持续且以人为本的改 革，以保护贫困及弱势家庭，增加生计机会，并扩大所有人获得基本服务的途径。 3、据巴基斯坦媒体《论坛快报》报道，9月24日，该国政府与18家银行共同签署了总价值约1.225万亿卢比的债务重组与融资协议，巴基斯坦财政部、能源 部、国家银行(巴央行)、银行业协会及中央电力采购局(CPPA)密切合作并达成共识。协议包括6596亿卢比的银行现有贷款重组及5654亿卢比的新增融 ...

顾建忠在闭幕致辞中指出，极客大赛既是技术比拼，更是文化盛宴，充分展现了青年员工的成长与 创新活力。各支队伍都用鲜活的成果证明了数字化转型的价值，展现了未来银行的希望。他强调，未来 的银行必将依托数字科技将金融服务内嵌在各类场景之中。大赛的意义不仅在于奖项，更在于锻炼发现 和解决问题的能力，营造全行敢于创新、拥抱数字化的氛围，持续构建核心竞争力。 数字金融再出发，根基在于人才。上海银行第八届极客大赛中，参赛队伍多由年轻人跨部门、跨条 线联合组成，充分体现"OneBOS"协同理念。青年力量正成为创新舞台的主角，从初入职的"新鲜血 液"到基层岗位的资深员工，都以热忱和钻研精神将创意化为成果，展现数智未来的蓬勃希望。他们既 是创新源泉，也是上海银行实现人才辈出、基业长青的百年老店的坚实后盾。 2025年9月28日，本届极客大赛——"极客•赋新"圆满收官。党委书记、董事长顾建忠及其他行领导 出席决赛，与参赛者共同见证新一代极客人的风采。恰逢上海银行成立三十周年之际，大赛以创新探索 为契机，在"三十而砺"的氛围中展现数字金融再出发的新姿态。创新始于技术、成于组织、久于文化， 上海银行正不断汇聚智慧与力量，为业务发展注入动 ...

Core Viewpoint - The establishment of a "Financial Education Base" by Industrial Bank in collaboration with Shandong Huafeng Smart Port Logistics Co., Ltd. aims to enhance financial literacy among employees, clients, and the public, contributing to a stable financial environment [1][2]. Group 1: Collaboration and Objectives - The partnership represents an innovative practice of cross-sector collaboration between financial institutions and enterprises, focusing on social responsibility [1]. - The financial institution will leverage its expertise in financial knowledge, risk case studies, and consumer rights protection to enrich the educational content of the base [1]. - The logistics company will utilize its extensive employee base, client network, and community influence to ensure effective dissemination of financial knowledge [1]. Group 2: Educational Focus and Activities - The education base will address current financial sector challenges and will conduct systematic and diverse educational activities [2]. - Core financial knowledge will be disseminated, covering topics such as personal credit, savings and investment, loan knowledge, and payment security to help the public establish correct financial concepts [2]. - Financial risk prevention will be emphasized through analysis of common scams like illegal fundraising, telecom fraud, and card theft, enhancing public recognition and resistance capabilities [2]. - Digital financial skills will be cultivated, particularly for vulnerable groups like the elderly and youth, focusing on smart device usage, digital payment security, and online transaction guidance [2]. - Various engaging formats such as expert lectures, interactive experience zones, simulations, online courses, and promotional materials will be employed to make financial knowledge accessible and interesting [2].

响应政策的民生实践 摘要：假期即将到来，消费有望继续扩容提质 国庆车票开抢第三天，在全网"开票即候补"的声音中，假期出行的火热程度可见一斑。而且今年又是一 次中秋假期叠加国庆假期，连续八天假，国家统计局表示，随着长假即将到来，消费有望继续扩容提 质。 与此同时，国家层面提振消费的政策举措正密集出台。9月16日，商务部等9部门对外发布《关于扩大服 务消费的若干政策措施》（以下简称措施），提出五方面19条举措进一步扩大服务消费。 其中强调，综合运用货币信贷等政策工具，支持金融机构扩大服务消费领域信贷投放，加大对服务消费 领域经营主体信贷投放力度。 金融力量正成为推动消费复苏的重要引擎，信用卡作为连接亿万消费者与商业实体的金融工具，正在政 策指引下焕发新的活力。中国民生银行信用卡中心（以下简称"民生信用卡中心"）近期推出的一系列消 费促进活动，成为观察金融与消费共振的一个窗口。 "五篇大文章"与消费提振 国家金融监督管理总局《关于银行业保险业做好金融"五篇大文章"的指导意见》中，"五篇大文章"即科 技金融、绿色金融、普惠金融、养老金融、数字金融，看似面向产业端，实则与消费市场紧密相连。普 惠金融致力于"服务民生，促 ...

党的二十大以来，习近平总书记着眼于中华民族伟大复兴的战略全局，系统提出了走好中国特色金融发 展之路的重大命题。《习近平经济文选》第一卷(以下简称《文选》)等重要著作集中收录了总书记关于 金融发展的系列重要论述，深刻揭示了金融与国家治理现代化、经济高质量发展之间的内在逻辑，为时 代金融工作提供了根本遵循。 在《走好中国特色金融发展之路》篇章中，习近平总书记明确指出要做到"八个坚持"。其中，"坚持党 中央对金融工作的集中统一领导"位列首位，是中国特色金融发展之路最本质的特征，是我国金融发展 最大的政治优势和制度优势。这一原则如"定海神针"，确保了我国金融事业在波涛汹涌的全球经济浪潮 中始终沿着正确的航向破浪前行。深刻领会并系统阐释这一核心原则，对于做好新时代金融工作、加快 建设金融强国具有重大而深远的意义。为此，本文立足于对习近平总书记关于金融工作重要论述的深入 学习贯彻，聚焦"坚持党中央对金融工作的集中统一领导"，从其根本立场、本质特征以及现代化治理架 构三个维度，进行系统性阐释。 党领导金融工作的根本立场 （一）党领导金融工作始终坚持以人民为中心的根本价值取向。金融的本质是为实体经济服务，其发展 成果最终要由 ...