童继生 从世界经济格局来看，企业出海是顺应趋势的明智之举。童继生坦言，他的足迹遍布近160个国家，清 晰感受到世界经济格局已从欧美主导转向欧美与发展中国家共同崛起，市场格局已从单一欧美消费扩展 为欧美与新兴市场共同消费，生产格局也从放射性中心论升级为区块论与系统论。在这样的变化下，中 国企业在共建"一带一路"等新兴市场具有显著优势，出海恰逢其时。 前行：风险防控与能力升级的双重保障 中国外经贸企业协会会长童继生： 企业出海恰逢其时 锚定风险防控与核心能力升级 ◎记者 杨翔菲 12月26日，在2025上证（无锡）新质生产力研讨会暨第七届上证最佳分析师评选颁奖仪式上，中国对外 贸易经济合作企业协会（简称"中国外经贸企业协会"）会长童继生以《中国企业应如何出海》为题进行 主旨演讲。他结合带领企业出海经历与行业实践，深入剖析中国企业出海的必然逻辑与风险防控路径， 为广大企业走向全球提供了极具实战价值的参考。 出海：做强做大的必然选择 "中国企业做强需历经地方强企、国内强企、跨国强企三个阶段，而出海正是迈向跨国强企的关键一 步。"童继生开篇点明出海对于企业升级的重要意义，并用"无锡没锡但有金"的比喻，引出中国企业在 当 ...

Core Insights - The "2025 Banking Industry High-Quality Development Conference" was successfully held in Beijing, focusing on themes such as serving the real economy, digital transformation, AI+financial innovation, and risk prevention [1] Group 1: Industry Challenges - The financial industry faces three major pain points: high institutional homogeneity leading to systemic risks, service gaps due to homogeneous competition, and the "Matthew Effect" where better borrowers receive more loans while poorer ones are neglected [3] - The need for differentiated core competitiveness among various financial entities is highlighted as a crucial industry challenge [3] Group 2: Xiaomi Consumer Finance's Unique Approach - Xiaomi Consumer Finance has developed a unique path of differentiated development over its five years of operation, focusing on five key differentiators [3] - The first differentiator is its integration within the Xiaomi ecosystem, providing tailored consumer credit services that address the immediate credit needs of users [4] - The second differentiator involves leveraging digital technology to reduce credit costs and barriers, enhancing efficiency and accessibility for everyday consumers [4] - The third differentiator focuses on customized product design for specific user groups, particularly those overlooked by larger financial institutions, thereby addressing their financial needs [4] - The fourth differentiator emphasizes a green orientation, offering preferential loan rates for green-marked products to facilitate policy implementation and consumer benefits [5] - The fifth differentiator points to the evolving role of consumer finance companies in fulfilling social responsibilities and addressing the needs of underserved populations [5]

本报海口12月27日讯(海南日报全媒体记者李磊)12月27日，省委经济工作会议在海口召开，全面贯彻中 央经济工作会议精神和习近平总书记在听取海南自由贸易港建设工作汇报时的重要讲话精神，总结2025 年全省经济工作，研究部署2026年经济工作。省委书记冯飞，省委副书记、省长刘小明讲话。省政协主 席李荣灿，省委副书记、政法委书记杨晋柏等现职省级领导出席。 会议要求，要扎实推进自由贸易港建设，实现封关首年"开门红"，优化"一线""二线"监管模式，以更大 力度推动封关政策全面精准落地见效，积极争取滚动出台更多增量政策，始终把风险防控放在前提位 置，全力确保封关运作平稳高效。要扎实推进现代化产业体系构建，增强封关运作的产业协同效应，集 群化发展四大主导产业，打造"五向图强"特色产业链，加强创新场景培育建设，积极融入国家科技创新 体系，布局建设生物制造、氢能、脑机接口、具身智能等未来产业技术创新平台，深化科技体制改革， 高标准实施"百万英才兴海南"行动计划，完善国际科技人才政策体系，梯次布局发展现代化产业体系。 要扎实扩大有效需求，增强内需拉动经济增长的主引擎作用，深入实施提振消费专项行动，扩大优质商 品和服务进口与供给 ...

Core Insights - The non-banking financial institutions (NBFIs) have achieved a record asset scale of 32.43 trillion yuan, contributing long-term funds to industrial chain finance and pension security as the "14th Five-Year Plan" approaches its conclusion [1] - The consumer finance sector has surpassed 1 trillion yuan in loan balances, providing inclusive financial services to over 80 million rural customers [1] - The financing leasing market for high-end equipment manufacturing has exceeded 20 trillion yuan, indicating steady growth in emerging leasing business scenarios [1] Group 1: Industry Development - NBFIs are focusing on their core businesses during the "14th Five-Year Plan" period, with financial companies targeting internal capital flow for enterprises, consumer finance stimulating domestic consumption, and leasing companies addressing equipment financing challenges [2] - Financial leasing companies are introducing flexible financing solutions for manufacturing equipment, while financial companies are providing precise funding for key projects through centralized capital management [2] Group 2: Consumer and Social Impact - Consumer finance companies are embedding services in various consumption scenarios, offering small loans with low interest rates to activate consumer potential [3] - Trust companies are innovating in areas such as pension security and charitable trusts, with the number of registered charitable trusts reaching 2,676 and total assets surpassing 10.632 billion yuan [3] Group 3: Risk Management and Compliance - Compliance and risk management are emphasized as key components of NBFIs' development, with a focus on establishing comprehensive mechanisms for credit issuance, related transactions, and liquidity management [4] - NBFIs are leveraging technology to enhance risk control, with various systems developed to predict and identify fraud and other risks [4] Group 4: Future Directions - NBFIs are aligning with national strategies and trends to better serve the real economy, focusing on optimizing traditional industries and fostering new and future industries [6] - The consumer finance sector is adapting to new consumer demands, while financial leasing is deepening its involvement in sectors like aviation and renewable energy [6] Group 5: Policy Support - Recent policies have been introduced to strengthen business development and risk control, including fiscal subsidies for consumer finance and revised regulations for trust companies [7] - The new management measures for financial leasing companies outline specific requirements for due diligence and risk assessment [7]

Core Insights - The Inner Mongolia Sports Lottery Center conducted an emergency drill to enhance risk prevention and safety production measures, focusing on improving emergency response capabilities and optimizing emergency plans [1][2] - The drill simulated a complete response process to a sudden online public opinion crisis, emphasizing key aspects such as information reporting, analysis, and collaborative response [1] Group 1 - The drill involved various levels of discussions and reporting scenarios to test the effectiveness of the emergency plan, including clear responsibilities and coordination among departments [1] - Participants engaged in simulated situations, with rapid emergency response initiated by the Inner Mongolia Sports Lottery Center and local centers, ensuring real-time communication and effective information collection [1] - The exercise highlighted the importance of timely and accurate information dissemination to clarify facts and guide public opinion positively [1] Group 2 - The emergency drill significantly improved participants' understanding of the core processes from information collection to decision-making [2] - It clarified specific responsibilities and collaboration paths within the emergency system, particularly between the Inner Mongolia Sports Lottery Center and local centers [2] - The comprehensive participation of all personnel enhanced the awareness and emergency response capabilities regarding sensitive public opinion issues, such as underage gambling [2]

Core Insights - China's inclusive finance has accelerated under policy guidance and technological empowerment, but faces challenges in risk prevention, coverage breadth, and institutional motivation, forming a "impossible triangle" that the industry must address [1] Policy and Market Dynamics - The development of inclusive finance in China has shown significant results, with policies and market mechanisms working in tandem to create a positive interaction [2] - Structural monetary policy tools like re-loans and discounts, along with fiscal incentives, have formed a targeted "combination punch" to support small and micro enterprises [2] - Efforts to enhance financing coordination for small businesses and improve credit service platforms have been made, aiming to guide financial resources to weaker sectors [2] Market Developments - The market has seen a collaborative effort across various financial sectors, with banks increasing the supply of first loans, credit loans, and renewals to meet financing needs [3] - Insurance institutions are providing multi-dimensional risk protection, while guarantee institutions are enhancing credit support for asset-light businesses [3] - By September 2025, the balance of inclusive micro-loans in China is projected to grow from 15.1 trillion yuan at the end of 2020 to 36.1 trillion yuan, a 139% increase over five years, with an average annual growth rate exceeding 20% [3] Challenges and Future Directions - Deep-rooted issues remain, particularly in financing accessibility for agricultural entities and tech startups, necessitating further efforts in risk prevention and sustainable business practices [4] - Key areas for future focus include building a robust credit system, upgrading risk prevention chains, and refining incentive mechanisms to balance risk control and sustainable development [4] Guangzhou's Inclusive Finance Practices - Guangzhou has positioned inclusive finance as a key driver for supporting the real economy and enhancing public welfare, with a focus on small businesses and agricultural entities [5] - By October 2025, the balance of inclusive micro-loans in Guangzhou reached 940.32 billion yuan, accounting for 10.8% of total loans, with agricultural loans at 422.16 billion yuan, reflecting a 15.34% year-on-year growth [6] Unique Features of Guangzhou's Approach - Guangzhou has developed a risk-sharing system to enhance financial support for small and micro enterprises, including a dual-mode risk-sharing mechanism [7] - The city emphasizes digital technology to improve service efficiency, with financial institutions investing in digital platforms and smart risk control systems [8] - Financial products are tailored to specific industry scenarios and customer needs, ensuring precise allocation of financial resources [9] - A multi-layered inclusive insurance system has been established to provide comprehensive coverage for vulnerable groups, enhancing social safety nets [10] Role of the Guangzhou Inclusive Finance Development Promotion Association - The association plays a crucial role in connecting financial institutions and enterprises, enhancing the effectiveness of inclusive finance services [11] - It has compiled a comprehensive policy guide and product directory to support practitioners and facilitate access to financial services [12] - The association fosters collaboration within the inclusive finance sector through conferences and training, promoting best practices and directing resources to key areas [13] Future Outlook for Inclusive Finance - The core essence of high-quality development in inclusive finance has shifted from mere coverage to a focus on precision, efficiency, and risk management [13] - Future trends include a shift from policy-driven to market-led initiatives, a transition from single credit services to comprehensive financial solutions, and a balanced approach to risk governance and sustainable development [14]

Core Viewpoint - Risk prevention and safety assurance are critical variables for the success of Hainan Free Trade Port construction, emphasizing the need for high-level safety to support high-level openness [2][5]. Group 1: Risk Management - Effective risk prevention is an essential requirement for the construction of the Free Trade Port, where openness is the lifeline and safety is the bottom line, both of which are interdependent [3][4]. - The current global situation is increasingly complex, necessitating enhanced risk identification and prevention across various sectors, including trade, investment, finance, and public health [5][6]. - Post-closure, Hainan's degree of openness has significantly increased, leading to more frequent cross-border flows of people, goods, and capital, which brings various risks that must be managed effectively [5][6]. Group 2: Awareness and Mechanisms - Establishing a strong awareness of risks is fundamental, requiring a clear understanding of critical issues and potential disruptive errors, while maintaining a balance between openness and safety [6][7]. - Improving mechanisms for risk prevention is essential, including the establishment of specialized working groups and enhancing grassroots governance to adapt to new challenges post-closure [6][7]. - Upgrading both hardware and software capabilities is crucial for effective risk management, including the development of smart customs supervision platforms and enhancing the skills of personnel in risk prevention [6][7]. Group 3: Long-term Strategy - The coordination of high-level openness and high-level safety presents a significant challenge for the construction of Hainan Free Trade Port, requiring a comprehensive understanding of economic and social issues [7].

Core Viewpoint - The provincial government is focusing on anti-smuggling efforts following the closure of the island, emphasizing the importance of risk prevention and control in the construction of Hainan Free Trade Port [3]. Group 1: Meeting Outcomes - The meeting highlighted the need to integrate risk prevention awareness into all work aspects, ensuring a high standard for the construction of Hainan Free Trade Port [3]. - It was emphasized to analyze and assess the new characteristics and situations of anti-smuggling work post-closure, maintaining a problem-oriented and goal-oriented approach [3]. - The government aims to enhance public awareness and understanding of policies related to the Free Trade Port and the measures for ensuring supply and price stability [3]. Group 2: Action Plans - The meeting called for a collaborative effort among departments to ensure smooth operations and effective risk management [3]. - There is a focus on using smart and credit-based methods to implement detailed and practical measures for early detection and resolution of issues [3]. - Continuous public communication will be prioritized to strengthen the recognition and sense of gain among businesses and the public regarding the Free Trade Port's construction [3].

公开资料显示：陈栋早年入职建设银行，从基层岗位做起，凭借突出的业务表现逐步走上管理岗位，还曾获评德州市"诚信之星"等荣誉称号，是业内认可 的业务骨干。曾任建行德州分行党委书记、行长，期间始终聚焦普惠金融与乡村金融服务领域；2023年4月，他调任建行江苏省分行行长助理，负责相关 业务管理工作，任职期间积极投身多项重点工作——2023年9月带队与宜兴市供销社座谈乡村金融服务，推动农户金融产品创新；2024年3月参与"3·15"金 融消费者权益保护活动，提出金融知识普及应与传统文化相结合的理念；2024年7月参与嘉泽镇政银座谈会，为乡村振兴合作事宜建言献策；2025年6月任 建设银行山东总审计室副主任，主持部分审计相关工作，肩负起辖区内银行合规监督、风险防控的重要职责。 就在上个月，11月11号，建行山东省分行办人工智能大赛决赛，陈栋还以山东总审计室副主任的身份出席了活动。 据山东纪委监委消息：2025年12月16日，中国建设银行山东总审计室副主任陈栋涉嫌严重违纪违法，目前正接受中央纪委国家监委驻中国建设银行纪检监 察组纪律审查和东营市垦利区监委监察调查。 | | | 公开资料显示：陈栋早年入职建设银行，从基层岗位 ...

Group 1 - The core viewpoint is that Japan's core CPI has consistently exceeded the central bank's 2% target, indicating that inflation is real and necessitating interest rate adjustments, making yen rate hikes inevitable as a return to normal policy [1] - The divergence in monetary policy between Japan and the US, with Japan raising rates while the Federal Reserve is expected to lower them, creates a global financial environment where carry trades are under pressure, leading to forced liquidations by investors who previously borrowed at low rates [1][3] - Historical context shows that a previous rate hike in Japan led to significant market reactions, with global stock markets losing approximately $6.4 trillion in three weeks, highlighting the systemic risks associated with carry trades [3] Group 2 - The impact of tightening external liquidity on emerging markets could lead to capital outflows and asset volatility, but the domestic market's structure and policy space provide some buffering against these risks [8] - Policy divergence not only affects carry trades but also alters global capital flows, prompting a reassessment of risk premiums and currency valuations, which will ultimately lead to a new market equilibrium despite initial chaos [9] - Investors are advised to prioritize risk management, leverage control, and liquidity assurance in light of systemic risks, as the era of cheap global funds is coming to an end, marking a significant historical shift [10]