编者按： 时代之笔擘画新章，金融活水润泽实体。在金融"五篇大文章"铺就的壮阔画卷中，证券业正以创新之墨 挥毫作答。这是服务国家战略的使命担当，更是深化金融供给侧改革的生动实践。证券业以"国之大 者"为经，以"民之关切"做纬，让金融血脉与实体经济同频共振，奏响中国式现代化的资本强音。证券 时报联合中国证券业协会，推出"做好'五篇大文章' 证券业作答进行时"系列专栏， 本篇为系列报道之 四十九，敬请垂注。 近年来，作为坚定践行金融强国战略的积极力量，联储证券以青岛为根据地，以"新财富管理"和"资本 投行"为双轮驱动，持续锻造专业投资能力，在数字金融、养老金融、科技金融等重点领域取得突破性 进展。 据联储证券总经理张强介绍，该公司创新构建"守护+"养老金融服务体系，护航银发群体安享晚年；以 科技引擎重塑数字金融新生态，将交易效能提升百倍；以并购赋能产业升级新格局，助理行业龙头重塑 生态，展现出综合金融服务能力。 构建"守护+"养老金融服务新体系 在人口老龄化加速演进的当下，如何让银发群体的财富管理需求得到专业而精准的回应，已成为金融机 构面临的重要课题。最新数据显示，2025年我国银发经济规模将达到9万亿元，预计2 ...

Group 1 - The core message emphasizes the importance of financial standardization to enhance public financial literacy and promote various financial standards such as green finance, digital finance, and inclusive finance [1][3] - The bank organized professional teams to engage with communities, business districts, and enterprise parks, using promotional booths, banners, and brochures to explain the significance of financial standards in ensuring service quality and protecting consumer rights [3] - The bank's initiatives include educational activities focused on preventing telecom fraud, avoiding illegal fundraising, and promoting rational investment and financial management, showcasing the bank's commitment to community service [3] Group 2 - The bank plans to continue leading with financial standards to improve service quality, innovate service models, and expand promotional channels, contributing to a positive financial ecosystem and supporting local economic development [3]

Group 1 - The core point of the news is the successful implementation of digital RMB for customs tax payment, marking a significant advancement in the digitization of tax payment processes in China [1][2] - The first pilot project for customs tax payment using digital RMB was conducted by Haicheng Bangda International Logistics Co., which paid an import value-added tax of 186,000 yuan [1] - The introduction of digital RMB enhances the payment experience for enterprises, providing a 24/7 online service with full data traceability, making tax payments quicker, safer, and more reliable [1] Group 2 - The reform represents a deep integration of customs and banking sectors in terms of government innovation and foreign trade empowerment [2] - Qingdao is the second batch of pilot cities for digital RMB, with local customs and banks collaborating to create a "digital currency customs clearance" to support foreign trade development [2] - Future plans include further cooperation between Qingdao customs and financial institutions to explore more applications of digital RMB in customs scenarios, aiming to reduce costs and increase efficiency for enterprises [2]

Core Insights - ZhongAn Bank has emerged as a leader among Hong Kong's digital banks, achieving a net profit of HKD 49 million and surpassing one million users, with total deposits reaching HKD 21.1 billion, reflecting a significant shift in financial consumption habits in Hong Kong [4][5]. Group 1: Digital Banking Performance - Since receiving its virtual banking license in March 2019, ZhongAn Bank has demonstrated its survival capability and adaptability in the digital banking landscape [4]. - The bank's innovative approach has redefined efficiency and inclusivity, streamlining account opening processes from days to minutes and expanding user coverage through remote identity verification [5][7]. - As of June 2025, ZhongAn Bank reported a 33% year-on-year increase in card transaction volume and a staggering 132% growth in international financial transactions, showcasing its effective penetration into Hong Kong's mature financial market [7]. Group 2: Wealth Management Innovations - ZhongAn Bank's wealth management platform integrates traditional funds, stocks, and cryptocurrencies, catering to diverse investment needs and preferences [10][11]. - The bank has partnered with top global fund companies to offer nearly 200 selected funds, saving users approximately HKD 700 million by September 2025 [10]. - The introduction of the "StockBack" program significantly boosted user engagement, with daily trading orders increasing by 120% within a week of launch [10]. Group 3: Technological Advancements and Security - ZhongAn Bank's proprietary XDecision risk control system processes over 600,000 risk checks daily, achieving 90% of checks in 0.2 seconds, enhancing security and trust in digital banking [16]. - The bank's AI fraud detection engine and dual-cloud architecture provide a robust safety net, establishing a reliable foundation for digital financial services [16]. Group 4: Role in Hong Kong's Financial Ecosystem - ZhongAn Bank's growth aligns with Hong Kong's ambition to be a global financial center, as evidenced by its third-place ranking in the Global Financial Centers Index [15]. - The bank's initiatives in the digital asset space, including its role as a stablecoin issuer and its collaboration with over 300 Web3 clients, highlight its commitment to bridging traditional finance and the digital asset world [18]. - By facilitating cross-border payments and launching Hong Kong stock trading services, ZhongAn Bank reinforces Hong Kong's position as a hub connecting mainland China and global markets [18].

Core Viewpoint - The investment by Shenwan Investment Company in Xijing Technology represents a strategic move to support technological innovation and align with national development goals, particularly in the context of the Belt and Road Initiative [2][3]. Group 1: Investment Overview - Shenwan Investment Company successfully led a financing round (F+ round) for Xijing Technology, a high-tech firm focused on AI and autonomous driving solutions for large logistics scenarios, with operations in 28 countries [2]. - The investment aligns with the central financial work conference's spirit and aims to implement the "five major articles" of financial work [2]. Group 2: Strategic Alignment - Xijing Technology's global business layout is highly compatible with the high-quality development requirements of the Belt and Road Initiative, having successfully implemented smart port projects in several countries along the route [2]. - The company enhances operational efficiency and intelligence at key logistics hubs, promoting the application of Chinese technology and standards in Belt and Road regions [2]. Group 3: Financial Structure and Impact - This investment marks the first use of an SPV structure by Shenwan Investment, connecting with the new "1+6" policy of the Sci-Tech Innovation Board, providing critical support for tech companies from R&D to international development [3]. - The investment exemplifies a virtuous cycle of "technology-industry-finance," demonstrating the effectiveness of financial empowerment in innovation and its service to national strategies [3].

Core Insights - The Chinese banking industry has transitioned from a traditional model reliant on infrastructure and real estate to a new model focused on technology, industry, and finance, enhancing its comprehensive strength and achieving high-quality development during the "14th Five-Year Plan" period [1][2]. Group 1: Industry Growth and Structure - As of mid-2025, the total assets of banking financial institutions in China reached 467.3 trillion yuan, a year-on-year increase of 7.9%, with large commercial banks holding 204.2 trillion yuan, up 10.4% [2]. - China holds six positions in the top ten of the global 1,000 banks, with 143 Chinese banks listed overall, indicating a strong presence in the global banking sector [2]. - The banking sector is increasingly focusing on capital returns, asset quality, and operational efficiency rather than merely expanding asset and liability scales [3]. Group 2: Risk Management and Reform - Significant achievements have been made in risk prevention and resolution, with non-performing loan balances at 3.4 trillion yuan and a non-performing loan ratio of 1.49% as of mid-2025 [4]. - The capital adequacy ratio for commercial banks stands at 15.58%, with a provision coverage ratio of 211.97%, indicating a robust financial position [4]. - The number of high-risk small and medium-sized banks has significantly decreased, with some regions achieving "dynamic zero" for high-risk institutions [5]. Group 3: Digital Transformation - The banking sector is undergoing a transformation from digitization to intelligent finance, with significant investments in technology, totaling 125.46 billion yuan in 2024, a 2.15% increase from 2023 [6]. - The number of technology personnel in major banks has surpassed 100,000, reflecting a commitment to enhancing operational efficiency through digital means [6]. - The period has seen a historic breakthrough in inclusive finance, with the balance of loans to small and micro enterprises reaching 36 trillion yuan, 2.36 times that of the end of the "13th Five-Year Plan," with an average interest rate reduction of 2 percentage points [7].

编者按： 时代之笔擘画新章，金融活水润泽实体。在金融"五篇大文章"铺就的壮阔画卷中，证券业正以创新之墨 挥毫作答。这是服务国家战略的使命担当，更是深化金融供给侧改革的生动实践。证券业以"国之大 者"为经，以"民之关切"做纬，让金融血脉与实体经济同频共振，奏响中国式现代化的资本强音。证券 时报联合中国证券业协会，推出"做好'五篇大文章' 证券业作答进行时"系列专栏， 本篇为系列报道之 四十九，敬请垂注。 近年来，作为坚定践行金融强国战略的积极力量，联储证券以青岛为根据地，以"新财富管理"和"资本投行"为 双轮驱动，持续锻造专业投资能力，在数字金融、养老金融、科技金融等重点领域取得突破性进展。 据联储证券总经理张强介绍，该公司创新构建"守护+"养老金融服务体系，护航银发群体安享晚年；以科技引 擎重塑数字金融新生态，将交易效能提升百倍；以并购赋能产业升级新格局，助理行业龙头重塑生态，展现出 综合金融服务能力。 构建"守护+"养老金融服务新体系 在人口老龄化加速演进的当下，如何让银发群体的财富管理需求得到专业而精准的回应，已成为金融机构 面临的重要课题。最新数据显示，2025年我国银发经济规模将达到9万亿元，预计20 ...

近年来，作为坚定践行金融强国战略的积极力量，联储证券以青岛为根据地，以"新财富管理"和"资本 投行"为双轮驱动，持续锻造专业投资能力，在数字金融、养老金融、科技金融等重点领域取得突破性 进展。 据联储证券总经理张强介绍，公司创新构建"守护+"养老金融服务体系，护航银发群体安享晚年；以科 技引擎重塑数字金融新生态，将交易效能提升百倍；以并购赋能产业升级新格局，助力行业龙头重塑生 态。 构建"守护+"养老金融服务体系 证券时报记者了解到，联储证券正积极布局养老金融领域，创新推出"守护+"养老金融服务体系，通过 专业化的产品设计与全流程的服务升级，满足新时代居民养老需求。 在产品端，该公司针对不同客户需求提供差异化方案：为有理财需求的客户，严选以"低波稳健"为特色 的养老产品线，提供安心钱袋计划和悦享人生计划基金投资方案；为有股票交易需求的客户配备"金辉 管家"账户诊断和投顾服务。 在财富传承领域，联储证券为富裕银发客户提供传承FOF专户、家族信托等专业服务，帮助实现财富有 序传承，并推出覆盖家庭不同成员、不同生命周期的财富管理方案。 张强表示，"守护+"体系承载着公司对银发客户的多重承诺：守护财富，抵御通货膨胀， ...

Core Insights - Guizhou Bank reported a stable performance in the first half of 2025, achieving growth in both revenue and net profit, with total assets exceeding 600 billion yuan [2][3] - The bank's commitment to supporting local economic development is evident in its financial results, which align with the modernization of Guizhou's industrial system [2] Financial Performance - In the first half of 2025, Guizhou Bank achieved operating revenue of 6.102 billion yuan, a year-on-year increase of 2.26%, and a net profit of 2.129 billion yuan, up 0.31% year-on-year [3] - As of June 30, total assets reached 603.747 billion yuan, an increase of 13.760 billion yuan or 2.33% from the beginning of the year [3] - Total loans amounted to 364.347 billion yuan, reflecting a growth of 4.97%, while total deposits reached 392.731 billion yuan, up 4.73% [3] - The bank's net interest margin improved to 1.90%, an increase of 0.22 percentage points year-on-year, with a cost-to-income ratio decreasing by 1.37 percentage points to 24.25% [3] Asset Quality - The bank's non-performing loan ratio decreased by 0.03 percentage points to 1.69%, and the proportion of attention-class loans also declined [4] - As of June 30, the provision coverage ratio increased by 15.89 percentage points to 331.87%, indicating enhanced risk resilience [4] Strategic Focus - Guizhou Bank is aligning its resources with the "Five Key Areas" outlined by the Central Financial Work Conference, focusing on technology finance, green finance, inclusive finance, pension finance, and digital finance [5][6] - The bank has increased its loan balance to support the real economy, with a total loan balance exceeding 350 billion yuan, reflecting a nearly 5% increase [5] Sector-Specific Loans - Loans in the "Five Key Areas" have shown significant growth, with technology finance loans increasing by 21.57%, digital economy loans by 28.57%, and pension industry loans by 57.22% [6] - The bank's green credit balance surpassed 60 billion yuan, growing by 2.582 billion yuan to 61.293 billion yuan [6] - Guizhou Bank has actively supported new urbanization, new industrialization, agricultural modernization, and tourism industry development, with substantial loan disbursements in these areas [7] Digital Transformation - The bank's digital transformation focuses on enhancing data-driven capabilities and improving business operations, achieving significant progress in key projects [8] - Guizhou Bank has launched various digital financial products and services, serving over 60,000 small and micro-enterprises [8] - The bank aims to establish itself as a "smart regional bank" that significantly contributes to the high-quality development of Guizhou's economy [9]

Core Points - The first payment of import value-added tax using digital RMB was made by HCHB International Logistics Co., amounting to 186,000 yuan, marking the official entry of customs tax payments into the digital RMB era [1] - The implementation of this payment method enhances the application scenarios of digital RMB and upgrades the customs tax payment process, significantly facilitating enterprises [1] - The entire payment process is automated, eliminating the need for offline document submission and manual bank processing, thus achieving a fully intelligent workflow [1] Group 1 - The digital RMB payment service operates 24/7 and offers full data traceability, making tax payments quicker, safer, and more reliable for enterprises [1] - Qingdao is one of the second batch pilot cities for digital RMB, with collaboration among Qingdao Customs, the People's Bank of China Qingdao Branch, and China Merchants Bank Qingdao Branch to empower foreign trade development [1] - The introduction of this service optimizes traditional customs tax payment processes and adds a digital RMB pathway for tax collection, representing a key practice in financial innovation and government services [2] Group 2 - Qingdao Customs plans to deepen cooperation with financial institutions in the digital finance sector and explore more applications of digital RMB in customs scenarios to further empower enterprises in reducing costs and increasing efficiency [2]