中国创新药从数量和质量两个维度，逐步在全球医药界脱颖而出。以创新药为前锋的产业革命，正悄悄改写着每个人的健康未来。 中国创新药拿下全球半壁江山，需要资本和支付的双向奔赴 文｜《财经》记者 王莉萍 凌馨 辛颖 编辑 | 王小 2025年注定要被记入中国医药史。 随着冬天的第一场瑞雪飘落，12月13日，全国医疗保障工作会议在北京召开。国家医保局局长章轲在现场表示，"2025年5月刚刚获批的新药，2026年1月 全国的患者就能享受上医保报销，在支持创新药上，医保不断跑出新速度。" 12月7日，国家医保局公布了2025年国家基本医疗保险药品目录新增114种药品，谈判/竞价成功率达88.19%，其中50种为1类新药；同期发布的《商业健康 保险创新药品目录》（下称"创新药目录"）独立于基本医保目录，共纳入19款创新药。 在海外市场的进展也刷新纪录。两桩创新药BD（商务拓展）的交易额创历史新高。10月22日，信达生物宣布与武田制药达成全球战略合作，交易额最高 达114亿美元；7月28日，恒瑞医药宣布与葛兰素史克公司（GSK）达成协议，将共同开发至多12款创新药物，合作潜在总里程碑金额约120亿美元。 创新药的突破离不开国家 ...

Core Insights - The People's Bank of China released the overall situation of the payment system for the third quarter, highlighting significant statistics regarding card issuance and transaction volumes [1] Group 1: Card Issuance - As of the end of Q3, a total of 10.149 billion bank cards have been issued nationwide [1] - Among these, 9.442 billion are debit cards, while credit cards and loan cards account for 0.707 billion [1] Group 2: ATM Machines - The number of ATM machines in operation reached 760,900 units by the end of Q3, showing a decrease from 775,700 units at the end of Q2 [1] Group 3: Transaction Volumes - In Q3, there were 165.278 billion bank card transactions, amounting to 234.92 trillion yuan [1] - The breakdown of transaction types includes: - Cash deposit transactions: 800 million transactions, totaling 6.43 trillion yuan [1] - Cash withdrawal transactions: 1.301 billion transactions, totaling 6.71 trillion yuan [1] - Transfer transactions: 59.578 billion transactions, totaling 188.58 trillion yuan [1] - Consumption transactions: 103.594 billion transactions, totaling 33.19 trillion yuan [1]

Group 1 - The implementation of the visa-free policy between China and Russia has led to a significant increase in travel interest, with a reported 87% surge in search volume for flights from Moscow to China within half an hour of the policy's launch [1] - Local businesses in Suifenhe are adapting their strategies to cater to Russian tastes, such as increasing meat content in breakfast offerings, while facing challenges like language barriers and payment system issues [3][5] - The marriage market is experiencing changes, with a notable percentage of Russian women (42%) aged 25-35 open to considering cross-national relationships, highlighting a shift in social dynamics [3] Group 2 - The timber trade is seeing a surge in orders, but businesses are struggling with cash flow issues due to restrictions on ruble exchanges, leading to a shift from face-to-face negotiations to online communications [5] - The education sector is witnessing a threefold increase in inquiries at international schools, raising concerns about the impact on local education and resulting in a 50% salary increase for Russian-speaking teachers [5] - Cultural exchanges are deepening, with a notable shift in narratives around cross-border interactions, indicating a new phase in Sino-Russian relations as highlighted by Russian officials [7][8]

Group 1 - The People's Bank of China reported that in Q2, non-cash payments reached 101.72 trillion yuan, a year-on-year increase of 6.83%, reversing a slight decline in Q1 [1] - In Q1, non-cash payment volumes and amounts saw a slight decline of 5.23% and 5.2% year-on-year, respectively, due to the impact of the pandemic [1] - With effective pandemic control, the economy showed signs of recovery, leading to significant growth in non-cash payments in Q2, with volumes and amounts increasing by 6.18% and 6.83% year-on-year, respectively [1] Group 2 - The number of bank accounts opened nationwide reached 11.866 billion by the end of Q2, with a quarter-on-quarter growth of 3.05%, an increase of 1.62 percentage points compared to the previous quarter [1] - The growth rate of bank card issuance slightly rebounded, and transaction volumes also recovered in Q2, with 81.457 billion transactions amounting to 21.908 trillion yuan, representing year-on-year increases of 6.2% and 0.91% [1] - In Q1, bank card transaction volumes and amounts decreased by 5.35% and 10.51% year-on-year, respectively [1] Group 3 - Despite maintaining growth in mobile payment volumes in Q1, the growth rate of payment amounts fell below 5%. In Q2, mobile payment volumes surged, with banks processing 30.141 billion transactions amounting to 10.617 trillion yuan, reflecting year-on-year growth of 26.99% and 33.61% [1] - Non-bank payment institutions processed 203.508 billion network payment transactions in Q2, amounting to 7.022 trillion yuan, with year-on-year increases of 14.48% and 18.37%, showing a significant rebound compared to Q1 [2]

Group 1 - The CEO of American Express stated that cryptocurrencies will not replace traditional fiat currencies, indicating a clear stance on the role of digital currencies in the financial ecosystem [1] - The CEO acknowledged that stablecoins have a place in the payment system, suggesting a potential integration of these digital assets into existing financial frameworks [1]