转自：新华财经 同时，工行武汉自贸分行将志愿服务与社会公益作为展现文明形象、传递行业温情的窗口。常态化开 展"学雷锋活动月"、关爱留守儿童等志愿活动，坚持"走出网点、贴近群众"，2025年组织外出金融服务 467场，为行动不便的老人及特殊群体提供上门服务83次，以实际行动诠释责任担当，用贴心服务温暖 社会民心。 未来，工行武汉自贸分行将继续深化"追光逐梦"品牌内涵，推动精神文明与经营发展互促共进，以更优 质的金融服务赋能东湖高新区科技创新与产业升级，为区域经济高质量发展贡献更大力量。（里安琪 崔静） 编辑：赵鼎 近年来，中国工商银行武汉自贸分行（以下简称"工行武汉自贸分行"）立足东湖高新区（光谷）发展战 略定位，精心培育打造"追光逐梦"特色品牌，坚持精神文明建设与经营发展深度融合、同频共振，为高 质量服务区域经济社会发展注入持久而澎湃的精神动力与金融动能。 紧扣东湖高新区发展需求，工行武汉自贸分行全力做好科技金融、绿色金融、普惠金融、养老金融、数 字金融"五篇大文章"。 在科技金融领域，工行武汉自贸分行积极探索服务新模式，创新推出"科创云闪贷"等产品，着力破解科 创企业轻资产、高研发投入带来的融资难题，累计为 ...

Core Viewpoint - The article discusses the importance of financial support for the real economy, emphasizing targeted financial assistance to key sectors and small and medium-sized enterprises (SMEs) rather than a broad approach. It highlights various financial institutions' efforts to provide customized financial solutions to meet the specific needs of businesses, particularly in technology and green manufacturing sectors [4][5][6][8]. Group 1: Focus on Key Areas - Financial institutions are encouraged to support sectors like technology innovation and SMEs, avoiding a "flooding" approach and instead implementing precise financial solutions [4][7]. - The Industrial Bank's customized financing plan for Luozhou Group demonstrates a successful case of targeted financial support, providing 137 million yuan in loans for equipment upgrades and green transformation [5][6]. - The collaboration between financial institutions and enterprises is crucial for achieving effective financial support, with a focus on long-term partnerships and tailored financial products [6][8]. Group 2: Innovative Services - The article highlights the challenges faced by technology companies in securing financing, particularly due to their asset-light nature and long R&D cycles. The Construction Bank's "Technology Transformation Loan" offers a solution by providing funding based on the company's high-tech qualifications rather than traditional collateral [9][10]. - The need for flexible financial solutions is emphasized, with banks encouraged to adapt their services to meet the dynamic needs of technology firms, including adjusting repayment plans during cash flow challenges [11]. Group 3: Technology Empowerment - Financial technology advancements are reshaping banking services, allowing for online, efficient, and accessible financial solutions for small and medium enterprises. The case of Fudiwei Technology Company illustrates how digital banking products can meet urgent funding needs without traditional collateral requirements [12][13][15]. - The shift from traditional banking to digital services enables banks to provide comprehensive financial ecosystems that support businesses throughout their lifecycle, integrating various financial services into a single platform [15][16]. Group 4: Collaborative Efforts - The article underscores the necessity of multi-party collaboration to effectively serve technology companies, moving beyond traditional collateral-based lending. Beijing Bank's partnership with equity investment institutions exemplifies this approach, facilitating a combined financing strategy [16][18]. - The integration of resources from government, industry, and academia is essential for supporting the growth of technology firms, providing a holistic service model that includes financing, expertise, and market access [19].

在数字资产产品服务创新方面，艾德金融同样表现亮眼。旗下Eddid ONE平台率先推出RWA申赎功能， 成为全香港首个兼具传统金融与Web3.0属性、且推出RWA申赎功能的应用程序。此外，该平台相继上 线稳定币USDT交易、Solana(SOL)现货交易服务，满足用户多元化数字资产配置需求。 回顾艾德金融的2025年，这是艾德金融十年重大发展年，持续聚焦"环球版图扩张"与"传统+数字金融融 合"，在投资银行、债券承销、经纪业务等领域成绩斐然，全球业务规模持续增长；同时凭借其深厚的 金融科技底蕴与创新实践，把握住香港Web3.0发展机遇，在数字金融方面表现亮眼，体现了艾德金融 作为国际金融集团的领先地位和竞争优势。 多个牌照获批升级，推进RWA资产应用 2025年，全球真实世界资产(RWA)代币化市场爆炸性成长，香港迅速崛起为全球RWA核心枢纽。艾德金 融通过牌照升级、RWA生态共建与产品创新，稳步推进传统金融与数字资产的深度融合，成为香港金 融行业创新的重要引领者。 艾德金融成功获得香港证监会批准，将其第1类(证券交易)及第9类(资产管理)牌照升级，从而成为香港 少数可同时提供数字资产交易、资产管理及代币化证券 ...

当前，在资管新规深化实施与信托业务"三分类"监管要求下，数字化转型已成为信托行业高质量发展的重要命题。云南信托积极响应监管号召，深耕金融五 篇大文章中的数字金融领域，以科技为刃破解行业痛点，自主研发推出了权益类资管产品全流程风险测算预警模型，构建起覆盖风控、交易、运营全链条的 数字化服务体系。 该模型依托KS交易系统，直击传统"固定净值阈值"模式的"一刀切"局限，以近五年全A股及股指相关数据为基础，搭建高精度动态数据底座，支持多种主流 交易策略模拟与20余项关键参数灵活配置，经10万次高并发历史压力测试验证，能真实还原极端市场下的平仓清算全过程，可输出概率化、可视化的风险评 估报告，实现从"经验定价"到"算法定价"的跨越。针对MOM模式下风控审核与执行速度的平衡难题，KS交易系统覆盖五个大类三十个细分类别的风控指 标，通过探索"并行风控"模式，要求管理人统一在系统的管理下进行交易、并做到交易数据实时回传，触发阈值可快速切断交易，同时借助分布式计算优化 复杂衍生品风控，结合管理人短周期择时模型构建灵活对冲机制，实现风险管控的精准与高效。 2025年12月26日，第十四届金融界"金智奖"年度评选顺利举办。云南信托 ...

在2025年12月26日举办的第十四届金融界"金智奖"年度评选中，云南信托凭借"权益类资管产品全流程 风险测算预警模型"成功斩获"数字金融优秀实践案例"奖项，这既是行业对其数字金融创新成果的高度 认可，更是云南信托持续深耕该领域的见证。 当前，在资管新规深化实施与信托业务"三分类"监管要求下，数字化转型已成为信托行业高质量发展的 重要命题。云南信托积极响应监管号召，深耕金融"五篇大文章"中的数字金融领域，以科技为刃破解行 业痛点，自主研发推出了权益类资管产品全流程风险测算预警模型，构建起覆盖风控、交易、运营全链 条的数字化服务体系。 该模型依托KS交易系统，直击传统"固定净值阈值"模式的"一刀切"局限，以近五年全A股及股指相关数 据为基础，搭建高精度动态数据底座，支持多种主流交易策略模拟与20余项关键参数灵活配置，经10万 次高并发历史压力测试验证，能真实还原极端市场下的平仓清算全过程，可输出概率化、可视化的风险 评估报告，实现从"经验定价"到"算法定价"的跨越。针对MOM模式下风控审核与执行速度的平衡难 题，KS交易系统覆盖五个大类三十个细分类别的风控指标，通过探索"并行风控"模式，要求管理人统 一在系统的 ...

Core Viewpoint - Huishang Bank has successfully integrated its development with the economic growth of Anhui Province over the past 20 years, demonstrating the spirit of Huishang in the financial sector and contributing significantly to local economic development [1][3]. Group 1: Financial Contributions to Local Economy - Since its establishment, Huishang Bank has provided over 30 trillion yuan in financial support to Anhui Province during the 14th Five-Year Plan period, playing a crucial role in the province's economic transformation from an agricultural to an industrial powerhouse [3]. - The bank's total assets have exceeded 2.3 trillion yuan, with a net capital of over 170 billion yuan, while maintaining a declining trend in non-performing loans and improving risk control capabilities [3]. Group 2: Support for Innovation and Technology - Huishang Bank has issued over 210 billion yuan in technology loans, nearly 160 billion yuan in green credit, and over 170 billion yuan in inclusive microloans, demonstrating its commitment to nurturing technological innovation and supporting small and micro enterprises [4][11]. - The bank has developed a unique "Science and Technology Bank" model, focusing on providing tailored financial services to innovative enterprises, which has resulted in a significant increase in technology loan balances and the number of serviced technology companies [11][12]. Group 3: Expansion of Financial Services - Huishang Bank has expanded its personal financial services, growing its customer base from 19.5 million to 39 million in three years, indicating a strong market presence in Anhui [15]. - The bank has also launched various financial products, including "Technology Talent Loans" and "Technology R&D Loans," to support the entire lifecycle of technological enterprises [11][12]. Group 4: Strategic Goals and Future Directions - Looking ahead, Huishang Bank aims to deepen its focus on five key areas: technology finance, green finance, inclusive finance, pension finance, and digital finance, to enhance its role in optimizing the economic structure [12][16]. - The bank plans to continue innovating its financial services and products, aiming to create a comprehensive financial ecosystem that covers all aspects of lending, investment, and transaction services [16].

Core Viewpoint - The People's Bank of China has introduced measures to support the construction of the Western Land-Sea New Corridor, focusing on the integration of logistics, trade, and industry through innovative financial solutions [2][4]. Group 1: Financial Support Measures - The new policy outlines 21 key initiatives across six areas to enhance the financing system for the Western Land-Sea New Corridor, which currently connects 127 countries and regions with 583 ports and over 1,300 types of goods [2][4]. - A new fund will be established in Chongqing to aggregate various capital sources, including domestic and international investments, to facilitate infrastructure financing [2][3]. Group 2: Cross-Border Financial Services - The measures aim to improve cross-border settlement and financing services, addressing issues such as slow payment processes and financing difficulties for enterprises [3][4]. - The policy supports the development of integrated financial insurance services for multimodal transport, which can streamline logistics and enhance credit availability for logistics and foreign trade companies [3][4]. Group 3: Cross-Border Investment and Financing - The initiatives include the cancellation of preliminary fee registration for foreign direct investment and the optimization of reinvestment processes for foreign enterprises [7]. - There will be support for high-tech and specialized small and medium-sized enterprises to facilitate cross-border financing, broadening their funding channels [7][8]. Group 4: Digital Financial Services - The central bank plans to establish a digital financial service platform specifically for the Western Land-Sea New Corridor, promoting the use of central bank digital currency in cross-border payments [9][10]. - The initiative aims to connect with international trade single-window platforms and government service platforms to address systemic barriers and data silos [9][10].

文 慈玉鹏 2025年，数字金融从"工具应用"逐步迈向"生态重构"。基于AI、区块链等技术发展，数字金融从技术赋 能个别环节的"点状突破"，转向重塑金融业运行模式的"系统性生态重构"。 日前，国家金融监督管理总局办公厅印发《银行业保险业数字金融高质量发展实施方案》提出，未来五 年，银行业保险业数字金融发展的主要目标是数字化转型取得积极进展，数字技术的驱动支撑能力和数 据要素的价值转化能力显著增强，在数字金融治理、数字金融服务、数字技术应用、数据要素开发、数 字风险防控等方面取得显著进步，持续提升对科技、绿色、普惠、养老等重点领域的金融服务质效。 《中国经营报》记者采访了解到，数字金融发展目前主要面临大型金融机构与中小金融机构能力分化加 剧、数据流通不畅等方面的挑战。而"十五五"期间，数字金融将沿着深化、智能、融合的趋势发展。 战略定位提升 2025年3月，国务院办公厅发布《关于做好金融"五篇大文章"的指导意见》（以下简称《指导意 见》），将数字金融纳入"五篇大文章"之一，并为数字金融发展明确方向。 《指导意见》指出，加快推进金融机构数字化转型，增强数字化经营服务能力。加快数字金融创新，支 持巩固拓展数字经济优 ...

Group 1 - The core idea is to accelerate the establishment of a long-term mechanism for government debt management that aligns with high-quality development, emphasizing the need for effective debt management and risk prevention [2][3][4] - The Chinese government has strengthened local government debt management during the 14th Five-Year Plan period, optimizing special bond management and implementing a negative list for bond usage [3][4] - There is a need to improve the government debt management system, clarify the classification and functional positioning of government debt, and ensure sustainable debt limits [4][5] Group 2 - A long-term mechanism for preventing and resolving hidden debt risks is essential, requiring a comprehensive monitoring system and strict budget management for government expenditures [5][6] - Enhancing the management of local government special bonds is crucial, focusing on project approval processes and ensuring timely repayment to mitigate default risks [6] - The reform and transformation of local government financing platforms should be accelerated, ensuring they operate independently of government credit and adhere to market principles [6] Group 3 - The development of technology finance, green finance, inclusive finance, pension finance, and digital finance is a strategic deployment to better serve the real economy and meet the needs of high-quality economic development [7][8] - By June 2025, loans in the five key financial areas are expected to reach 105.7 trillion yuan, accounting for 38.8% of total loans, with a year-on-year growth of 14% [8][9] - The financial system should enhance its service capabilities and support for key sectors such as technology innovation and green development [9][10] Group 4 - The promotion of balanced development in imports and exports is essential for maintaining economic stability and responding to global trade challenges [24][25] - In 2024, China's goods trade is projected to reach 6.16 trillion USD, with a trade surplus of 992.2 billion USD, highlighting the need for balanced trade [24][25] - The focus on high-quality development necessitates increasing both export quality and import volume to meet domestic needs and enhance global cooperation [26][27] Group 5 - The push for digital trade innovation involves expanding market access in the digital sector and improving the regulatory framework for data flow [29][30] - Establishing high-level open platforms for digital trade is crucial, with initiatives like national digital trade demonstration zones to enhance competitiveness [30][31] - International cooperation in digital trade should be deepened, particularly with countries in ASEAN and BRICS, to foster a collaborative digital economy [31]

Core Viewpoint - The article emphasizes that the digital renminbi (e-CNY) is transforming the digital financial landscape and facilitating the internationalization of the renminbi through technological upgrades and institutional innovations [10]. Group 1: Digital Renminbi Development - The digital renminbi has transitioned from a cash equivalent (M0) to a fully functional legal digital currency, marking a new paradigm in digital finance and the internationalization of the renminbi [10]. - The People's Bank of China has established three principles for the digital currency: "no loss, compliance, and interoperability," which serve as fundamental guidelines for building cross-border infrastructure [5][6]. - As of November 2025, the digital renminbi has processed 3.48 billion transactions, amounting to 16.7 trillion yuan, with 230 million personal wallets opened through the digital renminbi app [6]. Group 2: Cross-Border Payment System - The digital renminbi is positioned to enhance domestic payment efficiency and promote financial inclusion while reshaping the cross-border payment landscape [7]. - Traditional cross-border payment systems face challenges such as high costs and inefficiencies, which the digital renminbi aims to address through point-to-point payments and real-time settlement mechanisms [7]. - The implementation of a partial reserve system for the digital renminbi will create new issuance channels and enhance user retention by allowing interest payments on digital currency held in wallets [8]. Group 3: Strategic Importance and Challenges - The digital renminbi's unique characteristics present new challenges for issuers, operators, and users, necessitating enhanced technical capabilities and security measures [9]. - The widespread application of the digital renminbi will impact the central bank's monetary policy transmission and macroeconomic regulation, requiring a comprehensive approach to development and security [9]. - The establishment of an international operational center and the expansion of the "mBridge" network will position the digital renminbi as a "digital bridge" connecting more countries [8].