Core Viewpoint - The 19th Huaxia Institutional Investor Annual Conference and Huaxia Financial (Insurance) Technology Forum was successfully held in Beijing, focusing on the theme of "Vitality and Resilience, Innovation and Empowerment" to explore future paths in response to contemporary challenges [2]. Group 1: Financial Technology in Insurance - Liang Xinxin, Deputy General Manager of Zhonghui Mutual Insurance, emphasized that technology is injecting new momentum into mutual insurance, transforming from "post-event compensation" to "pre-event intervention" through innovative products like "Hui Gan Bao" [2][5]. - The mutual insurance model is based on "mutual assistance," where similar risk groups share risks and benefits, aligning well with internet community concepts [3]. - Technology serves as a "community operator," enhancing member connection and operational optimization, while also improving trust and transparency through precise identification of risk groups and blockchain technology [3][4]. Group 2: Risk Management and Resilience - The company utilizes real-time data monitoring and risk warning systems to dynamically respond to risks, thereby enhancing resilience against potential threats [4]. - A dual system of "emotional support + substantial protection" is established through comprehensive health management services and interactive platforms [4]. Group 3: Expanding Insurance Services - Technology has redefined operational models and expanded the inclusive boundaries of insurance services, allowing for efficient coverage of segmented populations [5]. - Zhonghui Mutual Insurance has launched over 10 member mutual assistance projects, serving more than 2 million individuals across various demographics, including those with chronic illnesses and the elderly [5]. - The "Hui Gan Bao" product has been included in national research projects and pilot programs, demonstrating its innovative approach to health management [5]. Group 4: Member Services and Customer Experience - The company has upgraded its customer service solutions through technology, achieving a 97% online reporting rate and a 99% case closure rate within one day, showcasing high efficiency in claims processing [6]. - The "Smart + Mutual Assistance" dual-driven model has proven effective in enhancing innovation in protection services [6]. - The ultimate goal of financial technology is to serve public welfare, allowing members to participate in product optimization through feedback and governance mechanisms, fostering a "co-construction, co-governance, and sharing" ecosystem [6].

Core Insights - The People's Bank of China has officially announced the winners of the 2024 Financial Technology Development Award, with CITIC Bank winning five awards across various categories [1] - CITIC Bank has accumulated a total of 75 awards since 2009, including 4 first prizes, 32 second prizes, and 39 third prizes, showcasing its extensive achievements in financial technology innovation [1] Group 1: Award-Winning Projects - The first prize-winning project, "Sky Project," provides robust technological support for enterprise digital transformation, achieving multiple domestic innovations and securing 11 authorized invention patents [1] - The second prize project, "Dual-Engine Intelligent Risk Control," integrates large language models with traditional AI technologies to create a comprehensive intelligent risk control system, significantly enhancing risk prevention efficiency [2] - The third prize project, "Core Big Data Comprehensive Upgrade," establishes a self-controlled digital infrastructure and offers standardized big data solutions, contributing to over 80 intelligent application scenarios in financial services [3] Group 2: Strategic Focus and Future Plans - CITIC Bank is committed to its "Digital CITIC" strategy, focusing on major innovations and applications to enhance its technological capabilities and build a leading digital bank [4] - The recognition from the awards reflects the industry's acknowledgment of CITIC Bank's financial technology practices and its strategic investments in digital competition [4] - Moving forward, CITIC Bank aims to leverage "digital finance" to empower significant financial initiatives and steadily advance its strategy of becoming a leading digital bank [4]

Core Viewpoint - Ningbo Barke Barke Network Technology Co., Ltd. has established itself as a trusted partner in the financing sector, providing comprehensive loan assistance services to meet the diverse needs of clients in Ningbo's vibrant financial market [1][3]. Group 1: Company Overview - Ningbo Barke Barke Network Technology Co., Ltd. focuses on the Ningbo loan market, offering a one-stop loan assistance service with a professional team of financial experts and loan consultants [3]. - The company has built long-term partnerships with multiple banks and financial institutions, enabling it to provide various loan products, including personal consumption loans, business operation loans, and mortgage loans [3]. - Since its establishment, the company has successfully assisted thousands of clients in obtaining loans totaling over several hundred million yuan, effectively addressing their financial challenges [3]. Group 2: Loan Assistance Services - The company provides full-process assistance in loan applications, from document preparation and credit assessment to loan approval, ensuring a smooth experience for clients [4]. - Internal data indicates that over 90% of clients utilizing the loan assistance service successfully obtain loans, demonstrating the company's expertise and service quality in this field [4]. Group 3: Business Operation Loans - The company offers flexible business operation loan products tailored to address the funding shortages faced by small and medium-sized enterprises, with high limits and long terms [6]. - In the past year, the number of enterprises successfully obtaining funding through the business operation loan service has exceeded a significant number, with total disbursements surpassing one hundred million yuan [6]. Group 4: Technological Innovation and Customer Service - The company emphasizes technological innovation by incorporating advanced financial technology, including big data analysis and artificial intelligence, to provide personalized loan solutions [6]. - A comprehensive customer service system is in place, ensuring dedicated support throughout the loan process, from consultation to post-loan follow-up [6]. Group 5: Market Position and Reputation - Ningbo Barke Barke Network Technology Co., Ltd. has established a strong reputation in the Ningbo loan market, with many clients expressing high satisfaction with the professional and efficient services provided [7]. - The company has received positive feedback from clients, highlighting its ability to quickly secure necessary funding and customize repayment plans based on individual business circumstances [7]. Group 6: Social Responsibility and Future Outlook - The company actively participates in social welfare initiatives, organizing financial literacy programs and collaborating with charitable organizations to support education for children in impoverished areas [9]. - Looking ahead, the company aims to enhance service quality and professionalism, aspiring to become a leading figure in the Ningbo loan market and provide valuable financing opportunities for more clients [9].

Core Viewpoint - Tianfeng Securities plans to issue bonds in the overseas market to expand financing channels and enhance the international financing capabilities of its subsidiary, Tianfeng International, which is crucial for deepening its international market presence [1] Group 1: Investment Banking Business - Tianfeng International's investment banking division provides comprehensive, professional, and highly customized financial services, including IPO sponsorship, stock underwriting, and pre-IPO financing [2] - In 2025, Tianfeng International successfully completed a HKD 1.1625 billion placement project for China Ruyi, optimizing the company's capital structure [2] - The firm also acted as the sponsor for Baima Tea's IPO, assisting in raising a total of HKD 450 million, thereby enhancing the company's value and core competitiveness [2] - The focus areas include artificial intelligence, advanced manufacturing, and biomedicine, aiming to create a high-quality investment banking service system [2] Group 2: Asset Management Business - Tianfeng International's asset management division aims to provide diverse cross-border asset management solutions for global investors, leveraging its Qualified Foreign Institutional Investor (QFII) status [3] - The company is developing global cross-border industrial investments and has established partnerships with domestic and international industry leaders, focusing on cutting-edge sectors like new energy and high-end manufacturing [3] - The goal is to offer comprehensive asset management services that cater to different risk preferences, striving for long-term stable investment returns [3] Group 3: Brokerage Business - Tianfeng International integrates its business capabilities with the latest financial technology and internet innovation to provide efficient and high-quality solutions in brokerage and wealth management [3] - In 2025, the retail brokerage business experienced rapid growth, with a year-on-year increase exceeding 100% [3] - The company is committed to building an innovative brokerage infrastructure and will increase investments in financial technology to drive digital transformation in financial services [3] Group 4: Future Outlook - Tianfeng International will continue to uphold values of professionalism, innovation, collaboration, and win-win outcomes, aiming to expand service boundaries and innovate business models [4] - The company seeks to respond accurately to diverse financing and international development needs of enterprises, positioning itself as a professional engine for stable growth in the real economy [4]

本报（chinatimes.net.cn）记者卢梦雪 北京报道 12月12日，由华夏时报社主办的第十九届华夏机构投资者年会暨华夏金融（保险）科技论坛在北京成功 举办。 本届论坛以"活力与韧性 拓新与赋能"为核心主题，由中央财经大学数字经济融合创新发展中心、华夏 时报金融思想荟、华夏时报金融研究院联合提供智力支持，意在回应时代之问，凝聚发展共识，探寻未 来路径。 在主题圆桌论坛上，来自银行、证券、信托、保险等领域的六位嘉宾，就金融科技如何深刻重塑行业生 态、驱动业务转型展开了深度对话。与会嘉宾重点探讨了金融科技在垂直领域深度融合的实践路径与未 来挑战，他们普遍认为，以大模型、人工智能为代表的科技突破正从"提质增效"的工具，演变为重构业 务模式、催生新质生产力的核心引擎。 技术的另一面是对风险的驾驭。他进一步指出，"我们通过全栈自研的新一代风险计量系统，将百万级 持仓的资本计算时间从6小时压缩至1小时以内，这是支撑我们国际业务敢于驶向'深水区'的技术底 气。" 这种对"效率"与"安全"双重极限的追求，在转型中的信托行业尤为突出。云南信托拟任副总裁贾岩表 示，在服务银行理财子公司、百亿级私募及头部券商等机构客户的过 ...

Core Insights - The 11th Commercial Brand Conference's financial consumer forum in Beijing highlighted the theme "New Financial Forces, Innovative Consumption Power" and recognized Ningbo Bank's Beijing branch as one of the "Top Ten Brands in Beijing's Financial Industry" [1][3] Group 1: Event Overview - The forum focused on exploring new pathways for financial institutions to promote consumption, featuring renowned economists and executives from banks, insurance, securities, funds, and fintech companies [3] - The event aimed to showcase the innovative spirit and brand value of financial institutions, culminating in the announcement of the annual top brands through expert evaluation and public voting [3] Group 2: Ningbo Bank's Achievements - Ningbo Bank's Beijing branch celebrated its 15th anniversary in 2025, emphasizing its commitment to supporting the real economy and serving small and medium-sized enterprises (SMEs) since its establishment in 2010 [3][4] - The branch has adapted to market changes and provided comprehensive financial services tailored to regional characteristics, significantly enhancing financial support for local SMEs [4] Group 3: Strategic Transformation - In recent years, Ningbo Bank has transitioned from being a traditional "fund provider" to a "resource integrator" by creating a diversified service ecosystem that combines financial and non-financial services [4] - The Beijing branch offers flexible financial products and expands its services to cover the entire growth cycle and scale of enterprises, aiding various sectors such as catering and technology in achieving high-quality development [4] Group 4: Digital Innovation - The branch has deepened its service innovation through digitalization, integrating fintech with the real economy to bring financial services closer to businesses and everyday life [4] - The recognition as a "Top Financial Brand" reflects Ningbo Bank's brand value and service capabilities, affirming its role in supporting enterprises in the capital and contributing to the construction of a modern economic system [4]

Core Insights - The traditional investment research model relying on human experience is becoming inadequate in the rapidly changing macro environment and market pace, necessitating a digital transformation in the asset management industry [1] - Yongying Fund has been recognized for its digital investment research practices, which are essential for maintaining a competitive edge and delivering stable returns to investors [1] Group 1: Digital Transformation - Yongying Fund is driving its investment research system towards "professionalization, systematization, platformization, and digitization" with a focus on digitalization [2] - The company has developed multiple digital management systems, including Qianxing and Tianji, since 2019, with full functionality expected by the end of 2024 [2] - An AI strategy will be initiated in 2025 to explore the application of large models in investment research [2] Group 2: Investment Research Systems - The Qianxing fixed income research system utilizes big data and AI to create intelligent rating, risk warning, and bond strategy modules, integrating seven rating models and credit bond pricing models [2] - The Tianji equity research system integrates vast amounts of internal and external data to enhance research conversion efficiency [2] - The Wanxiang fixed income + research system focuses on asset allocation, stock-bond timing, and industry rotation strategies, supporting investment decisions with a "digital brain" [2] Group 3: Risk Management and Trading Systems - Yongying Fund has established the "Mingjing" risk management system and the "Jingwei" investment trading system, with the former covering 79 types of risks and over 200 automated warning mechanisms [3] - The Jingwei system integrates research and risk control information to enhance trading execution efficiency [3] - The five systems have achieved a daily usage rate of 100%, significantly improving data processing and information collaboration efficiency [3] Group 4: Future Outlook - Yongying Fund plans to continue increasing its investment in financial technology, focusing on innovation in work models, research paradigms, and technology applications to strengthen its digital investment research capabilities [5]

Core Insights - The articles highlight three significant books that provide insights into investment strategies, economic dynamics, and personal entrepreneurship experiences, emphasizing the importance of adapting to market changes and leveraging unique opportunities for long-term success [3][8][13]. Group 1: Investment Strategies - "Winning the Loser's Game" by Charles D. Ellis serves as a comprehensive guide for long-term investors, focusing on avoiding pitfalls and developing effective strategies to achieve success with lower costs and risks [3][4]. - The book emphasizes the importance of setting clear investment goals and maintaining patience and determination to navigate market volatility [3][4]. Group 2: Economic Dynamics in Japan - "Who Will Dominate the Future of the Japanese Economy?" by Richard Katz analyzes the conflict between emerging startups (referred to as "gazelles") and established traditional corporations (referred to as "elephants") in Japan's economic landscape [8][9]. - The book discusses how the rigid development model post-World War II is being challenged by agile startups leveraging technology and innovation, while traditional firms struggle with digital transformation [8][9]. Group 3: Personal Entrepreneurship Insights - "Am I Being Too Subtle?" by Sam Zell offers a personal narrative of the author's journey as a successful entrepreneur and investor, sharing lessons on identifying undervalued assets and developing robust investment strategies [13][14]. - Zell's experiences highlight the importance of creativity, risk-taking, and maintaining ethical standards in business, providing inspiration for aspiring entrepreneurs [13][14].

本报讯 （记者王宁）2026年是实施"十五五"规划的开局之年，也是迈向全面建设社会主义现代化国家 新征程的关键一年。12月10日至11日，中央经济工作会议深刻分析当前经济形势，系统部署了明年经济 工作的总体要求与重点任务，强调要"持续扩大内需、优化供给，做优增量、盘活存量，因地制宜发展 新质生产力，纵深推进全国统一大市场建设，持续防范化解重点领域风险，着力稳就业、稳企业、稳市 场、稳预期，推动经济实现质的有效提升和量的合理增长"，为我国明年经济发展指明了方向、明确了 要求。 三是深化改革创新，推动业务实现新突破。要结合自身资源禀赋，发挥比较优势，推动发展模式从规模 扩张向质量提升转变，加强产品创新、服务探索和业务协同，在细分领域、特色客群、重点领域集中资 源、深耕细作，作出特色，努力实现高质量发展实现新突破。 四是筑牢合规与风险管理底线，合规管理和风险防控取得新成效。要强化全员合规意识，健全完善合规 与风险管理体系，强化子公司各项业务有效管控，不断提高风险识别、预警、防控、化解、处置能力， 确保整体风险可控、可测、可承受。 五是厚植文化底蕴，推动文化建设焕发新气象。要积极培育中国特色金融文化，结合"合规、诚信 ...

本报讯 （记者王宁）明年是"十五五"规划的开局之年，做好经济工作至关重要。刚刚召开的中央经济 工作会议精准研判了当前宏观经济形势，对明年经济工作作出一系列重要部署，必将进一步坚定发展信 心，持续巩固经济稳中向好势头，为实现"十五五"发展目标打牢发展基础。 浙商期货董事长胡军表示，站在新的历史起点上，要充分认识中央经济工作会议的重大意义，准确把握 好主要目标和重要任务，贯彻落实好"八个坚持"的相关要求，时刻谨记金融工作的政治性、人民性，以 更强的动力、更足的信心不懈努力、接续奋斗，努力在新征程中作出更多贡献。浙商期货始终坚持服务 实体经济初心，以促进高质量发展为主线，围绕做好金融工作"五篇大文章"，加快探索模式创新与服务 升级，持续打造形成资源共享、优势互补的期货保障体系，确保金融服务覆盖更广、成效更足。 会议强调"要坚持稳中求进、提质增效"。在政策引导与市场驱动中。胡军表示，浙商期货将不断提升专 业能力和创新水平，最大程度上释放出期货市场的服务保障功能，为加快建设金融强国目标持续贡献期 货力量。始终坚持党对金融工作的领导，切实增强做好金融行业党建工作的责任感使命感，紧扣防风 险、强监管、促高质量发展工作要求， ...