25日，记者获悉，中证协已向券商发送了《关于2025年证券公司做好金融"五篇大文章"专项评价结果的通 知》。 据悉，今年组织完成了107家参评券商（合并口径）评价数据的填报与复核，并通过数据报送系统向各券商一 对一反馈确认评价数据，将主要定量指标排名情况在业内进行了公示，目前已形成了评价结果。 根据评价工作安排，此次做好金融"五篇大文章"专项评价结果将纳入2025年证券公司分类评价，按照公司实际 得分折算加分（满分100分折算为1分）。为发挥专项评价的激励引导作用，保证评价工作的公平合理，折算 时，将去除基础分得分（即，仅有基础分的公司，分类评价中不予加分）。 下一步，中证协将根据评价试行情况及时总结实践经验，根据监管部门和会员单位的意见建议进一步研究优化 评价指标和工作机制，更好发挥专项评价的激励约束作用，引导证券公司更好发挥功能性，推动证券行业高质 量发展。 今年9月，中证协发布了《证券公司做好金融"五篇大文章"专项评价办法（试行）》。 附加项主要反映证券公司发挥功能作用、积极落实年度相关重点政策、创新示范等情况。 责编：杨喻程 排版：汪云鹏 校 对： 杨舒欣 百万用户都在看 大爆发！两大利好来袭！ 评价 ...

Core Insights - The Digital Renminbi International Operation Center officially commenced operations on September 24, 2023, launching three major business platforms: cross-border digital payment platform, blockchain service platform, and digital asset platform [1][2]. Group 1: Digital Renminbi International Operation Center - The center is established by the People's Bank of China (PBOC) to manage and operate the digital renminbi's cross-border and blockchain infrastructure, facilitating international operations and financial market development [2]. - The PBOC aims to support the center's stable and long-term development, enhancing the convenience of cross-border trade and investment [2]. Group 2: Cross-Border Digital Payment Platform - The "Shubi Da" platform was launched to address traditional cross-border payment challenges such as high costs, low efficiency, and limited transparency [3]. - This platform aims to create a secure, efficient, and inclusive global payment network, providing a "China solution" for central bank digital currency (CBDC) cross-border payment cooperation [3][4]. - The platform has already integrated with Hong Kong's Fast Payment System and has undergone a comprehensive upgrade to enhance its service capabilities [3]. Group 3: Blockchain Service and Digital Asset Platforms - The digital renminbi blockchain service platform aims to provide standardized cross-chain transaction information transfer and on-chain digital renminbi payment services, acting as middleware to connect different blockchains [8]. - The digital asset platform supports compliant digital asset transactions, including bonds and carbon credits, facilitating the issuance, registration, custody, and trading of digital assets on-chain [8]. - This initiative is designed to lower the cost of participation and enhance transaction efficiency across various blockchain applications [8]. Group 4: Advantages of the Platforms - The cross-border payment platform offers global access through existing networks, allowing foreign institutions to achieve "one connection to many" [4]. - It features flexible and efficient access strategies, including lightweight and direct connections, breaking down geographical and system barriers [4][5]. - The platform enhances regulatory transparency and compliance costs through technologies like smart contracts, while providing real-time transaction status tracking [5][6].

Core Insights - The event "Gui Man Gu Su · Autumn Moon Appointment" was held in Suzhou, featuring traditional mooncake vendors and digital RMB consumption incentives [1] - From January to August, the Gusu District achieved significant milestones in digital RMB transactions, with over 1.4 trillion yuan in public wallet transactions and more than 200 billion yuan in corporate loans [1] - The district aims to integrate seasonal food promotions with digital RMB payments, enhancing consumer experiences through various promotional activities [1] Group 1 - The event was co-hosted by the Suzhou Municipal Bureau of Commerce, Gusu District Development and Reform Bureau, and Pingjiang Street, showcasing traditional brands [1] - Digital RMB initiatives have led to nearly 50,000 merchants accepting transactions and over 1.6 billion yuan in consumer transaction amounts [1] - Future plans include seasonal food promotions like Chongyang cake and winter solstice dumplings, incorporating digital RMB payment scenarios into traditional cultural activities [1] Group 2 - The district is focused on creating a digital RMB consumption ecosystem that operates year-round, emphasizing the connection between technological innovation and public needs [1] - Promotional strategies will include discounts and "red envelope" giveaways to enhance consumer engagement with digital finance [1] - The initiative reflects the ancient city's innovative spirit in the digital finance sector, aiming to serve the community effectively [1]

Core Insights - Suzhou Xinzhan Wealth Building has been recognized as a "High-Quality Development Building for the Building Economy in China 2025" at the 2025 Service Trade Fair and Global Building Economy Ecological Conference, marking it as the only building from Gusu District to receive this accolade [1] - The building is strategically located in the core area of Pingjiang New Town, surrounded by nine government service agencies, facilitating business operations for resident companies [1] - As of November 2023, the building has achieved a rental rate of 93%, with a total construction area of 26,000 square meters, offering a garden-style office environment [1] Industry Development - The future development plan for Suzhou Xinzhan Wealth Building aims to establish specialized buildings in artificial intelligence and digital finance, promoting the building industry towards specialization and differentiation [2] - Notable companies such as Stark Industrial Automation (Suzhou) Co., Ltd. have already settled in the artificial intelligence sector, while financial institutions like CITIC Bank and Industrial Bank have also established branches in the building [2] - The local government, particularly the Pingjiang New Town (Suzijin Street), has been instrumental in supporting and facilitating the entry of quality enterprises into the building, enhancing the overall business ecosystem [2]

Core Insights - The article highlights the challenges faced by small and micro enterprises in accessing initial loans and financing, and how Yizheng Rural Commercial Bank has leveraged a national credit information sharing platform to enhance the precision and accessibility of credit services for these businesses [1] Group 1: Financial Solutions for SMEs - Yizheng Rural Commercial Bank has integrated multi-dimensional cash flow data through a national platform, significantly improving credit service accuracy and availability for small and micro enterprises [1] - An example is provided of an electronic company in Yangzhou that faced funding pressure due to rising raw material costs and lack of collateral, which was addressed by the bank's proactive approach in utilizing the cash flow credit information platform [1] Group 2: Data-Driven Decision Making - The platform consolidates various data sources such as water, electricity, social security, and tax information to create a comprehensive operational profile of enterprises, aiding the bank in assessing business conditions accurately [1] - By analyzing cash flow and accounts receivable data, the bank was able to respond quickly to financing needs, ensuring timely support for the company's procurement and production [1] Group 3: Future Directions - Yizheng Rural Commercial Bank plans to continue focusing on customer-centric services, enhancing the "big data + foot patrol + grid-based" service mechanism, and promoting the application of the platform to provide targeted financial support to small and micro enterprises [1] - The bank aims to contribute to high-quality regional economic development through initiatives in technology finance, green finance, inclusive finance, pension finance, and digital finance [1]

Core Insights - Financial institutions are increasingly focusing on rural revitalization by innovating financial products and increasing inclusive agricultural loans, with a reported balance of 13.9 trillion yuan in inclusive agricultural loans by the end of Q2 2025, an increase of 1.1 trillion yuan since the beginning of the year [1][2] Group 1: Policy and Regulatory Support - Regulatory bodies have introduced policies to guide financial resources towards rural revitalization, emphasizing the need for banks to maintain growth in agricultural loans and increase credit support for key agricultural sectors [2] - The Agricultural Development Bank plays a crucial role in supporting agricultural financing, having disbursed 410 million yuan in advance funds for summer grain purchases [2] Group 2: Financial Products and Services - Agricultural Bank has significantly increased its financial services for farmers, with specific products like "Huinong e-loan" reaching a balance of 1.79 trillion yuan and "Grain Farmer e-loan" at 1.401 trillion yuan [3] - Rural small and medium banks are innovating products like "biological live collateral loans" to address the unique needs of the agricultural sector, with 71 loans issued amounting to 47.32 million yuan [3] Group 3: Credit System Development - The rural credit system faces challenges due to data silos, with a lack of effective data collection on farmers' information, which hinders credit assessment [4] - Financial institutions are encouraged to leverage digital technologies to build open platforms for better data access and to enhance the rural credit system [4][5] Group 4: Technological Advancements - Financial technology is being utilized to improve service efficiency in rural finance, with mobile banking significantly reducing operational costs [7][8] - Agricultural Bank is accelerating its digital transformation, implementing AI applications in various scenarios to enhance customer service and operational efficiency [7][8] Group 5: Future Directions - There is a push for commercial banks to develop digital credit products tailored to rural market characteristics, aiming for online and automated processes to meet the specific needs of rural businesses [8]

Core Insights - Financial institutions are increasingly focusing on rural revitalization by innovating financial products and increasing inclusive agricultural loans, with a reported balance of 13.9 trillion yuan in inclusive agricultural loans by the end of Q2 2025, an increase of 1.1 trillion yuan from the beginning of the year [1] Group 1: Policy and Regulatory Support - Regulatory bodies have introduced policies to guide financial resources towards rural revitalization, with a specific directive for banks to continue increasing agricultural loan balances and focus on key areas like grain production [2] - The Agricultural Development Bank plays a crucial role in supporting agricultural financing, having disbursed 410 million yuan in advance funds for summer grain purchases [2] Group 2: Financial Products and Services - Agricultural Bank has significantly increased its financial services for farmers, reporting a balance of 1.79 trillion yuan in its "Huinong e-loan" product and 1.24 trillion yuan in loans related to grain supply [3] - Rural small and medium banks are innovating products like "biological live collateral loans" to address the unique needs of the agricultural sector, with 71 loans amounting to 47.32 million yuan issued [3] Group 3: Credit System Development - The rural credit system faces challenges due to data isolation, with efforts needed to establish a comprehensive credit information collection and assessment system [4] - Financial institutions are encouraged to leverage digital technology to build open platforms for better credit assessment and to create credit villages and townships to enhance data coverage [4] Group 4: Technological Advancements - Financial technology is being utilized to improve service efficiency in rural finance, with mobile banking significantly reducing service costs [7] - Agricultural Bank is accelerating its digital transformation, implementing AI applications in various areas to enhance customer service and operational efficiency [7][8] Group 5: Innovative Financing Solutions - New financial products like "Agricultural and Animal Husbandry Loans" are being developed to meet the specific needs of farmers, allowing for flexible loan terms without the need for collateral [8] - Future developments in digital credit products are expected to automate agricultural loan processes, addressing the unique demands of rural businesses [8]

Core Points - The People's Bank of China announced the official operation of the Digital Renminbi International Operation Center in Shanghai, which launched three major business platforms: cross-border digital payment platform, blockchain service platform, and digital asset platform [1] - The establishment of the Digital Renminbi International Operation Center aims to promote the internationalization of the digital renminbi and the development of financial market operations, serving digital financial innovation [1] - The center is managed by the Digital Currency Research Institute of the People's Bank of China and is responsible for building and operating cross-border and blockchain infrastructure [1][2] Group 1 - The launch of the Digital Renminbi International Operation Center is a significant step in facilitating cross-border payments and aligns with the core functions of Shanghai as an international financial center [1][2] - The center aims to provide open, inclusive, and innovative solutions to improve the global cross-border payment system, adhering to the principles of "no loss, compliance, and interoperability" [2] - The initial construction of the cross-border financial infrastructure system for the digital renminbi has been completed, with ongoing exploration of digital asset innovations to enhance regulatory efficiency and transparency [2]

文/卢梦雪 9月25日，央行发布消息显示，数字人民币国际运营中心业务平台推介会24日在上海举行，向各相关机 构集中宣传介绍数字人民币跨境数字支付平台、数字人民币区块链服务平台及数字资产平台（以下简 称"业务平台"）功能，标志着数字人民币国际运营中心正式运营。 中国人民银行党委委员、副行长陆磊表示，中国人民银行致力于为改善全球跨境支付体系提供开放、包 容和创新的解决方案，提出的"无损、合规和互通"三原则已成为法定数字货币跨境基础设施建设的基本 准则，目前已初步构建数字人民币跨境金融基础设施体系。业务平台落地上海，不仅是便利跨境支付的 具体措施，也与上海国际金融中心的核心功能建设高度契合。未来，中国人民银行将继续支持数字人民 币国际运营中心行稳致远，为跨境贸易与投融资便利化提供坚实助力。 数字人民币国际运营中心由中国人民银行数字货币研究所筹建和管理，负责建设运营数字人民币跨境和 区块链基础设施，推进与境内外金融基础设施的跨境互联互通，推进数字人民币的国际运营与金融市场 业务发展，服务数字金融创新。 编辑：冯樱子 ...

Core Viewpoint - Naver is advancing the acquisition of Dunamu, the operator of South Korea's largest cryptocurrency exchange Upbit, aiming to combine the strengths of Web2 and Web3 for global expansion in stablecoin projects and digital finance [1][4] Group 1: Acquisition Details - Naver Financial plans to acquire Dunamu through a stock exchange method, with board meetings scheduled to approve the transaction [1] - Following the acquisition, Naver Financial intends to launch a Korean won-backed stablecoin project and other digital financial initiatives [1][7] Group 2: Market Position and Impact - The merger will create a super platform in South Korea's digital economy, leveraging Naver's dominance in internet services and Upbit's market share in cryptocurrency trading [4][5] - Upbit ranks fourth globally in trading volume, with a 24-hour spot trading volume of $2.9 billion, compared to Binance's $23.8 billion [5] Group 3: Strategic Focus on Stablecoins - The stablecoin project aligns with the overall trend in South Korea's financial industry, as major banks plan to launch won-pegged stablecoins by the end of 2025 or early 2026 [7] - Naver Pay's leading position in the electronic payment market, combined with Upbit's advantages, provides a solid foundation for promoting the Korean won stablecoin [7] Group 4: Growth of the Cryptocurrency Market - The number of cryptocurrency users in South Korea exceeded 16 million in February, with projections suggesting it could reach 20 million by the end of the year [8] - The South Korean cryptocurrency market revenue is expected to reach $1.1 billion by 2025 and grow to $1.3 billion by 2026 [8] - Naver reported over $2 billion in revenue and a net profit of over $355 million in the second quarter, indicating its ambition in the digital finance sector [8]