以下文章来源于中新经纬 ，作者魏薇 中新经纬 . 中新经纬是由中国新闻社主办的财经新媒体，拥有中国互联网新闻信息采编发布服务资质。以手机客户端（APP）等为主要传播平台，以"权威、前瞻、 专业、亲和"为特色宗旨，传播财经资讯、解读经济政策、讲述商界故事，打造精英的财经资讯平台。 商业银行线下网点加速退出的同时， 网点的新设步伐并未停歇。 文 ｜ 魏薇 编辑 ｜ 李晓萱 来源｜ 中新经纬（ID：jwview） 封面来源 ｜ Unsplash 2025 年，银行线下网点数量有何变化？1月5日，中新经纬根据国家金融监督管理总局网站"金融许可证信息"栏目披露的信息统计，去年国内共有 11249 家银行线下网点获准退出， 8548 家线下网点获准设立。这意味着， 2025 年全年净退出的银行网点数量达 2701 家。 业内人士 指出， 去年 银行网点大量退出主要 由于银行主动调整以及 银行业改革化险进程持续深化。在关闭低效网点的同时，银行需警惕并防止在特定 区域出现金融服务空白，履行好普惠金融的社会责任。 超1.1万家网点获准退出 据国家金融监督管理总局网站， 2025 年国内共有 11249 家银行（统计机构类型包括 ...

2025年是很不平凡的一年，我国经济顶压前行、向新向优发展，展现强大韧性和活力。站在岁末回望， 这一年涌现的众多热词，如一个个生动的切片，记录下经济运行的晴雨、政策调整的风向，共同"拼"绘 出一幅波澜壮阔的经济奋斗图景。 热词1 "十四五"收官 "十四五"规划收官在即。 2025年，中国经济总量预计约为140万亿元，这一规模令全球瞩目！ ◎本报记者集体采写 量上新台阶——"十四五"时期经济增量预计超过35万亿元，相当于"再造一个长三角"，超过世界排名第 三国家的经济总量。 质有新突破——2021年至2024年，中国经济年均增长5.5%，年均增速明显高于全球平均水平，对世界 经济增长贡献率保持在30%左右，为稳定世界经济发挥了至关重要的作用。 向上生长，向新出发，向好突破……回望"十四五"，还有更多生动注脚： 创新活力涌动。"天宫"巡天、"嫦娥"探月，新能源汽车驰骋全球，第四代核电站点亮万家灯火……"十 四五"时期，中国的研发投入再创新高，为高质量发展注入强劲动能。 内需潜力迸发。人工智能加速融入日常生产生活，智能手机、智能家居广受市场欢迎，文体、旅游、康 养等供需更加多元，中国稳居全球第二大消费市场、第一大网 ...

Core Viewpoint - Vanke is actively pushing forward reforms to mitigate risks despite facing multiple challenges, achieving significant revenue and sales growth in the third quarter of 2023 [1] Financial Performance - For the first three quarters, Vanke reported revenue of 161.39 billion, with sales revenue reaching 100.46 billion [1] - During the recent "Golden Week" holiday, Vanke achieved a subscription amount of 4.77 billion, surpassing the target completion rate by 137% [1] - The company completed nearly 7 billion in bulk transaction agreements and signed a deal with China Travel Group in the ice and snow sector, generating a return of 7.11 billion from existing resources [1] Operational Highlights - Vanke delivered over 74,000 high-quality units in the first nine months of the year [1] - The operational service segment generated revenue of 43.57 billion, maintaining a leading position in industry efficiency [1] Strategic Initiatives - The company is focusing on technological innovation to drive industrial transformation and enhance new productive forces, utilizing technology to improve product services [1]

今年以来，万科在大股东及多方支持下，改革化险取得了积极进展。根据最新的半年报，万科上半年公 开债全部如期兑付，2027年之前已无境外公开债到期。面向下半年，万科此前表示，"在政策端的引 领、金融机构的支持、国资大股东的力挺以及合作伙伴的助力之下，依靠自身的努力，公司有信心、有 能力应对挑战"。 大股东深铁也给予万科真金白银的支持。9月16日晚间，万科A发布公告称，第一大股东深铁集团向公 司提供不超过20.64亿元借款，用于偿还公司在公开市场发行的债券本金与利息。至此，深铁今年累计 为万科提供借款9次，总金额近260亿元。 黄力平是万科董事会"老将"，此次任职属于内部接任。公开资料显示，黄力平出生于1968年，现任万科 董事、审计委员会委员，同时担任深圳市地铁集团有限公司党委副书记、董事、总经理。 黄力平的职业轨迹与深圳城市建设发展紧密相连。2014年8月—2018年8月，黄力平担任深铁集团副总经 理、党委委员。2018年8月—2021年2月，任深圳市人才安居集团有限公司党委副书记、董事、总经理。 2021年2月至今，任深铁集团党委副书记、董事、总经理；同年6月起担任万科董事。 业内人士认为，新任董事长由原董事 ...

Group 1 - Vanke has appointed Huang Liping as the new chairman, succeeding Xin Jie, which is expected to ensure continuity and stability within the company [1] - The new chairman's background from Shenzhen Metro Group indicates continued support from major shareholders, suggesting no significant directional changes for Vanke [1] - The real estate industry is currently focused on stabilizing after a downturn, with Vanke's strategy likely to revolve around steady transitions and restoring confidence [1] Group 2 - Vanke reported a revenue of 105.3 billion yuan in the first half of the year, with residential sales revenue nearing 70 billion yuan and a sales collection rate of 100% [2] - The company has successfully managed to activate nearly 60 billion yuan in cash flow through inventory optimization, with a total of approximately 785 billion yuan in activated value since the beginning of 2023 [2] - Vanke's new projects have an investment realization rate of 85%, and its property management segment, Wanwu Cloud, achieved a revenue of 18.2 billion yuan, maintaining industry leadership [2] Group 3 - Vanke is actively pursuing technological innovation, exemplified by a pilot project in smart logistics where robots autonomously deliver goods via subway, marking a significant advancement in operational efficiency [3]

Core Points - Vanke's chairman, Xin Jie, resigned for personal reasons and will no longer hold any position in the company [1] - Huang Liping has been elected as the new chairman and legal representative of Vanke [1] - Xin Jie was seen as a "firefighter" brought in to stabilize the company amid management changes [2] Management Changes - Xin Jie submitted his resignation on October 12, 2025, and it became effective immediately [1] - Huang Liping, born in 1968, has been a board member since June 2021 and is currently the general manager of Shenzhen Metro Group [1][4] - The board confirmed that Xin Jie's resignation will not affect the board's legal number of members or its normal operations [2] Financial Performance - During Xin Jie's tenure, Vanke engaged in multiple financing plans and asset disposals, with Shenzhen Metro Group providing loans totaling approximately 26 billion yuan for debt repayment [3] - Vanke reported a net loss of 10.86 billion yuan for the first half of 2025, a year-on-year decline of 27.5% [4] - The company's net debt ratio increased to 90.4%, up 9.8 percentage points from the end of 2024 [4] Future Outlook - Vanke aims to continue its reform and risk management efforts, with confidence in overcoming challenges through support from policies, financial institutions, and state-owned shareholders [5]

Core Insights - The core viewpoint of the article emphasizes that data is transitioning from a supporting role to a core driving force in the financial industry, particularly in the context of digital finance development and regulation [1]. Group 1: Digital Governance and Risk Management - Data governance is becoming essential for financial institutions' transformation, moving from "business digitization" to "asset digitization," where institutions embracing digitalization are more likely to gain a competitive edge [3][4]. - The relationship between risk management reforms and data governance is critical, especially for small and medium-sized banks facing significant risks [4][5]. - A lack of talent and poor data governance in smaller banks can hinder their ability to execute reform plans effectively [5][6]. Group 2: Challenges in Downstream Markets - Large banks face challenges when entering underserved markets, often struggling to adapt their lending logic to the complexities of rural and small-town economies [10][11]. - The differences in collateral types and repayment sources in rural areas complicate risk assessment for banks, necessitating a more localized approach to lending [11][12]. - Enhanced data governance could improve risk monitoring and decision-making in lending scenarios, allowing banks to better assess borrowers' repayment capabilities [12][13]. Group 3: Insurance Industry Data Governance - The insurance industry is also focusing on data governance, with varying needs between foreign and domestic firms, where domestic firms often require more data consolidation [15][18]. - The current trend in the insurance sector involves building data frameworks and ensuring data integration to enhance operational efficiency [16][18]. - The competitive landscape in insurance may evolve similarly to banking, where larger firms have the capability to manage their data systems, while smaller firms may need to collaborate with third-party providers [18][19].