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金融科技活动周|深化产融合作,厦门国际银行打造线上供应链金融综合服务平台
Cai Jing Wang· 2025-06-03 07:47
在国家大力推动金融科技服务实体经济的政策指引下,厦门国际银行以数字化转型为引擎,推出线上供应链金融综合 服务平台,深度融合大数据、区块链、人工智能等前沿技术,打造覆盖供应链全场景的智慧金融服务体系,助力产业 链上下游企业实现降本增效与生态共赢。 "1+N"链式辐射,延伸核心企业信用价值。平台以核心企业为枢纽,通过1家核心企业带动N家上下游小微企业的协同 模式,构建链上企业融资服务生态。小微企业可在线提交融资申请,依托核心企业信用传导,快速获得资金支持,缓 解短期流动性压力,助力产业链资金高效周转。 数据链赋能,构建智能风控体系。平台联合核心企业及场景平台共建数字生态,运用大数据风控与人工智能技术,打 造核心企业信用履约评分体系,实现交易流、数据流、资金流的实时闭环管理。其中,全线上化的"国行链e融"业务, 能够实现供应商T+0的快速融资。 区块链技术,激发产业链资产活力。依托区块链技术平台,将小微企业的应收、应付账款转化为可融资的电子债权凭 证,推动核心企业信用向多级供应商穿透。此举有效盘活链上企业流动资产,降低融资成本,加速资金周转效率。 厦门国际银行线上供应链金融综合服务平台通过技术赋能与模式创新,不仅破 ...
上海经信委组织2025年促进产业高质量发展(工业服务业发展)项目申报 支持范围包括AI等
news flash· 2025-06-03 05:30
上海经信委组织2025年促进产业高质量发展(工业服务业发展)项目申报 支持范围包括AI等 智通财经6月3日电,上海市经济和信息化委员会组织2025年上海市促进产业高质量发展(工业服务业发 展)项目申报,支持范围包括:提升工业供应链整体解决能力。支持企业建设服务产品矩阵,打造覆盖 研发设计、采购(销售)管理、生产排期、履约交付、售后维保服务于一体的全生命周期解决方案。聚 焦人工智能、大数据、区块链等新技术,支持企业加大软、硬件投入,开展AI本地计算集群部署、云 服务器租赁、设备购置,构建产业级多模态数据,打造涵盖智能交易、智能选品、智能采购、智能辅助 模具设计等功能行业大模型,提供全链路智能应用、辅助决策和全流程风险控制能力。加强数智化技术 运用。支持企业开展物流核心算法研发,探索AI大模型等在仓储管理、线路规划、智能配载等场景的 应用。 ...
武汉有座“虚拟电厂”,用电高峰时能隐形发电
Chang Jiang Ri Bao· 2025-06-03 02:24
对企业而言,如果愿意配合调整用电错峰生产,就能获得实实在在的经济补贴。"有的企业一天获得的 错峰补贴就能超过万元。"彭伊伊说。 5月29日讯 面对武汉市近三年用电负荷年均增长超12%的压力,一种看不见摸不着、却能像真实电厂一 样调节电力的"虚拟电厂"正在武汉发挥关键作用。它不烧煤、不占地,却能有效缓解夏季酷暑和冬季严 寒时的用电紧张,让城市电网更"抗压"。5月29日上午,长江日报记者实地探访这座"虚拟电厂"。 武汉市虚拟电厂管理中心负责人表示,"虚拟电厂"成功引导电力用户从"消费者"变成电网稳定运行 的"贡献者"。这不仅是对海量分散资源的精细化管理,更是提升城市电网"韧性"的一大创新。 目前,武汉"虚拟电厂"已接入大量这类可灵活调节的资源。在虚拟电厂平台演示区,工作人员在电脑前 轻点鼠标,全市接入点状态一目了然。记者看到,这些资源汇聚起来,最大调节能力已超过55.7万千 瓦,这相当于在用电最紧张的时刻,能瞬间调动起一个中小型传统发电厂的调节能力。比如蔚来能源已 将其在武汉的约30个充换电站接入,就能提供高达1.8万千瓦的灵活调节能力。 "用电高峰时,我们就可以利用'虚拟电厂'削峰填谷保用电。"国网武汉供电公司 ...
银行应在支持小微企业发展上发挥更大作用
Zheng Quan Ri Bao· 2025-06-03 01:00
Core Viewpoint - Small and micro enterprises (SMEs) are crucial to the national economy, contributing to employment, innovation, and economic stability. High financing costs remain a significant barrier to their development. Recent measures from the National Financial Supervision Administration and eight other departments provide clearer policy guidance to address these financing challenges [1][2]. Financing Cost Reduction Strategies - Banks are encouraged to respond to policies by actively helping SMEs reduce comprehensive financing costs through various measures [1]. - Banks should consider the Loan Prime Rate (LPR) trends and their own funding costs when pricing loans for SMEs, ensuring that policy benefits reach them effectively [1]. - Internal fund transfer pricing (FTP) mechanisms should be optimized to provide greater interest rate discounts for SME loans, thereby lowering financing costs [1]. Fee Regulation and Loan Process Optimization - Banks must enhance internal management and strictly adhere to regulatory requirements by eliminating various illegal fee items [2]. - Collaboration with third-party institutions should be closely monitored to ensure transparent and reasonable fees, preventing increased financing costs for SMEs [2]. - Simplifying loan processes and reducing unnecessary intermediaries can help lower the time and hidden costs associated with SME financing [2]. Credit Loan Initiatives - To address the issue of insufficient collateral among SMEs, banks should increase the issuance of credit loans by utilizing multi-dimensional information such as tax payments and utility bills to create accurate credit profiles [2]. - The promotion of non-repayment of principal loans allows eligible SMEs to continue using loan funds without repaying the principal at maturity, alleviating cash flow pressures [2]. Risk Sharing Mechanisms - Strengthening cooperation with government departments and guarantee institutions to establish risk-sharing mechanisms is vital for banks to reduce financing risks and costs for SMEs [2]. - Utilizing government risk compensation funds and guarantee institutions can help banks offer more favorable interest rates and loan conditions to SMEs [2]. Mutual Benefits and Future Outlook - Assisting SMEs in lowering financing costs is not only a social responsibility but also an opportunity for banks to expand their business and enhance market competitiveness [3]. - The ongoing improvement of policies and financial innovations is expected to enable banks to play a more significant role in supporting SME development, contributing to the sustained healthy growth of the national economy [3].
2025最新二线城市排名:济南居首,厦门第六,洛阳新晋入围
Sou Hu Cai Jing· 2025-06-03 00:52
Core Insights - The "2025 New First-Tier City Charm Rankings" were recently released, with Chengdu, Hangzhou, Chongqing, Wuhan, Suzhou, Xi'an, Nanjing, Changsha, Zhengzhou, and Tianjin leading the list of new first-tier cities [1] - The rankings highlight the increasing competition among cities in China, emphasizing the importance of urban charm and strength as indicators of development [3] New First-Tier Cities - Chengdu, Hangzhou, and Chongqing are recognized for their significant contributions to urban development and economic growth [1] - The rankings serve as a benchmark for assessing the progress and competitiveness of these cities [3] Second-Tier Cities - Jinan ranks first among second-tier cities, showcasing its achievements in urban construction, industrial development, and technological innovation [5] - Xiamen, ranked sixth, is noted for its beautiful natural scenery and strong emphasis on innovation-driven economic growth [7][9] - Luoyang's entry into the second-tier city rankings marks a recognition of its historical and cultural significance, alongside its modern development efforts [9][11] Economic and Cultural Development - Jinan is enhancing its economic vitality through the transformation of traditional industries and the promotion of emerging sectors like big data and artificial intelligence [5] - Xiamen's focus on high-tech industries and modern services contributes to its unique industrial system and international trade status [7][9] - Luoyang is leveraging its industrial base to develop advanced manufacturing and cultural tourism, integrating historical resources into economic advantages [11] Future Outlook - The rankings serve as both recognition and motivation for Jinan, Xiamen, and Luoyang to continue enhancing their comprehensive competitiveness [13] - Other cities can learn from these examples to promote high-quality urban development across China [14]
一张社保卡 畅通惠民路
Nan Jing Ri Bao· 2025-06-02 23:42
Core Points - The city has issued a total of 7.68 million third-generation social security cards, enhancing convenience and benefits for citizens [2] - The social security card has been integrated into various sectors, including healthcare, transportation, and cultural tourism, allowing for seamless services [3] - Future plans include leveraging AI and big data to analyze cardholder preferences and enhance personalized services [4] Group 1: Social Security Card Issuance - The third-generation social security card was first issued in January 2021, with ongoing efforts to promote its use and benefits [2] - A total of 7.68 million cards have been issued, with 9.35 million instances of "one card for all" services across various sectors [2] Group 2: Service Integration - The social security card can be used for direct settlement in all connected hospitals and pharmacies, with 76 hospitals offering work-related injury settlements [3] - Public transportation, including buses, taxis, and shared bicycles, accepts the social security card, providing discounts for specific groups [3] - Over 50 cultural and tourism sites allow entry using the social security card, facilitating easy access to recreational activities [3] Group 3: Future Developments - The city plans to strengthen cooperation with financial institutions to enhance social security card services [4] - There is a focus on utilizing new technologies to analyze user preferences and improve data security management [4] - The goal is to increase the "convenience index" for cardholders, thereby enhancing their overall satisfaction [4]
智岩科技启动上市辅导 今年10月将“验收”
Nan Fang Du Shi Bao· 2025-06-02 23:13
Core Viewpoint - Shenzhen Zhiyan Technology Co., Ltd. has officially initiated its listing guidance with CICC as the advisory institution, showcasing strong revenue growth and future projections for significant increases in revenue [1][4]. Company Overview - Zhiyan Technology, established in 2017 and headquartered in Nanshan, Shenzhen, focuses on the research and development of smart home products and supply chain optimization [2]. - The company aims to become a global leader in the smart home sector, leveraging IoT, AI, and big data technologies to enhance user experience [2]. - Zhiyan's product range includes smart ambient lighting and small appliances, with its Govee brand achieving high market shares globally [2]. Financial Performance - In its second year, Zhiyan Technology reported revenues of 4.22 billion yuan, which increased to 5.27 billion yuan in the first half of 2020, indicating robust growth [1][4]. - Media reports suggest that revenues could reach 3 billion yuan in 2023 and exceed 4 billion yuan in 2024 [1][4]. Listing Guidance Process - The listing guidance will focus on ensuring the company operates independently across various aspects, including business, assets, personnel, and finance [2]. - The guidance will also emphasize the establishment of a sound internal decision-making and control system, as well as a robust financial management framework [2]. Future Plans - The company plans to participate in regulatory tests organized by the Shenzhen Securities Regulatory Bureau between August and September 2025, with a goal to submit a guidance acceptance report by October 2025 [3]. Investment Background - Prior to the listing guidance, Zhiyan Technology received investments from notable institutions, including a 40 million yuan investment from Anker Innovation in 2021 [4].
“车来了”母公司元光科技开启招股;新世界发展四只永续债延迟派息丨港交所早参
Mei Ri Jing Ji Xin Wen· 2025-06-02 15:32
Group 1 - MetaLight, the parent company of the real-time bus platform "Che Lai Le," has initiated its IPO process, offering approximately 24.856 million shares at a price of HKD 9.75 per share, with subscription closing on June 5 [1] - The company aims to leverage big data and AI technology to provide real-time bus information prediction services, addressing commuter pain points and indicating a broad market potential [1] - The listing is expected to enhance the company's market share and drive technological innovation in the public transportation sector [1] Group 2 - Lianlian Digital's stock surged by over 64% following positive developments in global stablecoin regulatory policies, particularly the enactment of the "Stablecoin Ordinance" in Hong Kong [2] - The company's collaboration with one of Hong Kong's first stablecoin issuers, Yuanbi Innovation Technology, contributed to the stock's significant rise, reflecting market optimism [2] - The regulatory advancements are anticipated to foster a healthier development environment for the stablecoin industry, benefiting related enterprises [2] Group 3 - New World Development announced the deferral of interest payments on four perpetual bonds, originally scheduled for June, totaling an initial issuance principal of USD 3.4 billion [3] - This decision indicates a strategic adjustment in the company's financial management, likely aimed at optimizing cash flow and reserving funds for future investments [3] - The flexible interest payment terms of perpetual bonds provide financial cushioning during market volatility [3] Group 4 - Shenzhen Ledong Robotics has submitted a listing application to the Hong Kong Stock Exchange, positioning itself as a leading full-stack intelligent robotics company based on perceptual intelligence [4] - The company's revenue from visual perception products and lawnmowers is projected to grow from CNY 234 million in 2022 to CNY 467 million in 2024 [4] - The upcoming IPO is expected to facilitate market share expansion and technological innovation, reinforcing the company's leadership in the intelligent robotics sector [4] Group 5 - The Hang Seng Index closed at 23,157.97, down 0.57% on June 2, while the Hang Seng Tech Index and the National Enterprises Index fell by 0.70% and 0.86%, respectively [5]
Freedom Holding (FRHC) 2025 Investor Day Transcript
2025-06-02 13:00
Summary of Freedom Holdings Investor Day Company Overview - **Company Name**: Freedom Holding Corporation - **Founded**: 2008 during the financial crisis - **Core Business**: Digital brokerage providing access to global markets, particularly U.S. markets, for retail investors in Kazakhstan and beyond [4][72] - **Market Position**: Top stockbroker by trading volume in Kazakhstan since 2014, with millions of accounts on the Kazakhstan Stock Exchange [5][6] Industry Insights - **Kazakhstan as a Testing Ground**: The country is viewed as a key market for technology-enabled services, serving as a testing ground for new technologies before rolling them out in Europe [3][4] - **Digital Ecosystem Development**: The company recognizes the need to build a digital ecosystem that includes banking and insurance services to remain competitive against global players [7][9] Financial Performance - **Market Capitalization**: Recently surpassed USD 10 billion, marking a significant milestone for the company [17] - **Focus on Future Growth**: Emphasis on reinvesting profits for future growth rather than focusing solely on current financial performance [12][16] - **Profitability**: The company remains profitable but acknowledges the potential volatility in financial conditions due to changing interest rates [14][15] Product Offerings - **Super App Development**: The company is focused on integrating various services into a super app, which is expected to enhance customer retention and reduce acquisition costs [20][24] - **Brokerage Technology**: Freedom Broker app (TraderNet) is a key product, with licenses in multiple countries including Kazakhstan, Uzbekistan, and the U.S. [21][22] Technological Advancements - **AI Utilization**: The company employs predictive AI for risk management, customer insights, and fraud detection, enhancing its competitive edge in consumer lending and insurance [28][29][30] - **Data Infrastructure Investment**: Significant investments in data centers in Kazakhstan to support growth and ensure data security [49][50][54] Market Opportunities - **Central Asia and Caucasus**: Kazakhstan is positioned as a financial hub for Central Asia, with plans to enhance connectivity and financial services across the region [42][43][44] - **Global Expansion**: The company aims to replicate its successful digital ecosystem in Europe and the U.S., competing with established fintech firms [65][66][78] Regulatory Environment - **Regulatory Stability**: The company emphasizes the importance of consistent regulations for long-term planning and investment [96][97] - **Astana International Financial Centre**: The establishment of this center aims to create a favorable regulatory environment for financial services in Kazakhstan [90][91] Strategic Vision - **Long-term Goals**: Freedom Holding aims to become a leading global digital ecosystem provider, leveraging its experience and technology to compete on a global scale [66][67] Conclusion - **Future Outlook**: The company is optimistic about its growth potential in Kazakhstan and beyond, focusing on technology integration, market expansion, and building a robust digital ecosystem to meet evolving consumer needs [65][66][68]
联易融科技-W(09959.HK)6月2日收盘上涨15.57%,成交5680.1万港元
Jin Rong Jie· 2025-06-02 08:38
Group 1 - The core viewpoint of the news highlights the performance and financial metrics of Lianyi Rong Technology-W, including its stock price movement and financial results for the year ending December 31, 2024 [1] - As of June 2, the Hang Seng Index fell by 0.57%, while Lianyi Rong Technology-W's stock price increased by 15.57% to HKD 1.41 per share, with a trading volume of 41.12 million shares and a turnover of HKD 56.80 million [1] - Lianyi Rong Technology-W's total revenue for the year is projected to be CNY 1.031 billion, representing a year-on-year growth of 18.83%, but the net profit attributable to shareholders is expected to be a loss of CNY 0.835 billion, a decrease of 89.33% year-on-year [1] Group 2 - Lianyi Rong Technology was established in February 2016 with support from early investors like Tencent and has become the first listed Chinese supply chain financial technology SaaS company on the Hong Kong Stock Exchange [2] - The company has maintained the number one market share in China's third-party supply chain financial technology solutions for five consecutive years, focusing on advanced technologies such as AI, blockchain, cloud computing, and big data [2] - As of December 31, 2024, Lianyi Rong has served supply chain assets exceeding CNY 1.5 trillion and partnered with over 2,533 core enterprises and financial institutions, covering 29 provinces and regions in China and 27 countries globally [2]