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 ...

格隆汇5月23日丨一脉阳光(02522.HK)发布公告，有关一脉阳光健康管理(公司一间全资附属公司)向芳 侯一号收购上海融公社18.0%的股权。2025年5月23日(交易时段前)，一脉阳光健康管理、上海融公社、 芳侯一号、芳侯投资、芳侯二号、武汉卓尔及彭盈松就一脉阳光健康管理认购上海融公社9.58%的股权 订立增资协议。此外，2025年5月23日(交易时段前)，一脉阳光健康管理、上海融公社、武汉融公社、 芳侯一号、芳侯投资及芳侯二号就买卖武汉融公社51.0%的股权订立股权转让协议。 根据增资协议，一脉阳光健康管理同意认购上海融公社注册资本人民币194.85万元(相当于增资完成后 上海融公社9.58%的股权)。根据增资协议，上海融公社、芳侯一号、芳侯投资及芳侯二号各自已同意就 增资共同及个别向一脉阳光健康管理提供若干声明、保证及承诺。增资的代价为人民币1272万元，须于 完成时由一脉阳光健康管理以现金一次性支付予上海融公社。增资完成后，一脉阳光健康管理将拥有上 海融公社25.9%股权，及上海融公社的财务业绩将不会并入集团的财务报表。 上海融公社为一家专注于医疗产业的创新金融科技公司。上海融公社凭藉其自主开发的医 ...

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 ...

会议材料 二〇二五年五月 第一创业证券股份有限公司 现场会议召开时间：2025年6月12日13:30 会议地点: 北京市西城区武定侯街6号卓著中心10层会议室 召集人：第一创业证券股份有限公司董事会 现场会议议程： 根据《中华人民共和国公司法》《第一创业证券股份有限公司章 程》等有关规定，公司编制了《第一创业证券股份有限公司 2024 年 度董事会工作报告》（详见附件）。 本议案内容已经公司第五届董事会第四次会议审议通过，现提请 股东大会予以审议。 附件：第一创业证券股份有限公司 2024 年度董事会工作报告 第一创业证券股份有限公司董事会 二〇二五年五月二十三日 附件： 一、表决事项 二、非表决事项 议案 1 关于《公司 2024 年度董事会工作报告》的议案 各位股东： 第一创业证券股份有限公司 会严格遵循《中华人民共和国公司法》 《中华人民共和国证券法》 《证 券公司治理准则》等法律、法规和准则以及《第一创业证券股份有限 公司章程》（以下简称"《公司章程》"）、《第一创业证券股份有 限公司董事会议事规则》的规定和要求，认真履行职责，切实发挥作 用，着力加强董事会建设。现将董事会 2024 年主要工作情况和 ...

Group 1 - Financial technology has made significant progress in recent years, particularly in financial inclusion, utilizing AI to serve communities traditionally underserved by banks, providing services to over 70 million customers across regions like Southeast Asia, South Asia, Latin America, and Africa [1] - The success of fintech's inclusive model relies on technological advancements and extensive data application, enabling better understanding of customer needs through mobile payments and the digital economy [1] - The potential of fintech is highlighted as it addresses gaps in traditional financial services, especially in regions lacking adequate financial infrastructure [1] Group 2 - Financial technology has the potential to innovate financial products and expand market reach, with traditional debt and equity markets covering less than 5% of economic activities, while fintech can capture more opportunities through cash flow-driven hybrid models [2] - The rise of digital platforms in fintech allows for better allocation of investor funds across industries, managed by industry experts, enhancing investment efficiency and lowering barriers for participation [2] - The future of fintech development will focus on systematization and standardization of platforms to better organize investor funds and promote market growth [2] Group 3 - RWA (Real World Assets) technology is seen as a means to achieve financial inclusion and democratization by tokenizing traditional financial products, providing real yield assets for the Web3 world [2] - Despite the enthusiasm for RWA technology, it is still in its early stages, and investors are advised to manage their expectations while fintech companies balance innovation and market expansion for sustainable development [3] - Southeast Asia presents significant investment opportunities in fintech, with a shift in investor sentiment from urgency to a more rational approach as the market matures, particularly in areas like payments and supply chain finance [3]

The stock is down almost 80% from its all-time high, but evidence points to brighter days ahead.The company formerly known as Square but changed its name to Block (XYZ -3.19%) is one of the more interesting companies you'll come across. It was a market darling during the COVID-19 pandemic, known for its merchant-friendly commerce and peer-to-peer payment ecosystems.However, the fintech company has fallen out of favor with the market. Shares now sit nearly 80% below their all-time highs.As painful as the dec ...

科技创新，重塑交易未来！2025年5月16日，全球金融交易领域年度盛会——Followme 2025交易生态峰 会(Followme 2025 Trading Ecosystem Summit)，在香港盛大举行。WeTrade作为峰会冠名赞助商惊艳亮 相，并荣获"最佳跟随体验奖"殊荣(Best CopyTrading Broker) ，成为全场瞩目的焦点。 Followme 2025交易生态峰会，由全球知名的交易社区Followme主办，汇聚着金融行业领袖、国际顶级 机构代表及交易领域创新先锋等齐聚一堂，围绕生态战略升级、金融科技创新应用、实战经验沉淀、前 沿趋势洞察等维度展开深度对话，携手擘画交易生态新图景。 科技创新重构生态，WeTrade App为交易赋能 在峰会上，WeTrade董事Theo先生以"科技赋能，交易无界"为主题发表了演讲，引发了热烈反响。Theo 先生以极具前瞻性的趋势洞察结合WeTrade App现场展示，系统性的向与会嘉宾介绍了WeTrade平台的 优势。 在全球数字化转型加速的背景下，金融科技正成为重塑资本流动与投资生态的核心引擎。WeTrade始终 以技术创新为驱动，持续优化服务 ...