二是数智化金融。北京银行坚持将数智化作为高质量发展第一动力，建成了统一的数据底座、统一的金 融操作系统、统一的风控平台三个统一。用人工智能更新思维、更新工具、更新能力，打造人工智能驱 动的商业银行。 三是生态化赋能。试图打造企业、企业家和金融机构之间的朋友关系，加强生态合作。 （编辑 张伟） 《中共中央关于制定国民经济和社会发展第十五个五年规划的建议》提出，多渠道增加城乡居民财产性 收入。对此，霍学文认为，相信财富管理会迎来新的一轮战略机遇。面向未来，北京银行将重点沿着三 个方向开辟财富管理的新路径。 一是融合化发展。推动财富金融、人才金融、专精特新金融深度融合，互相促进，相得益彰。未来将进 一步贯通一体化金融服务，统筹做好专精特新企业、研发人才等客群的财富管理、家庭金融服务。同时 挖掘财富客群背后的企业金融需求，推动大财富管理体系扩容提质，一体创造财富价值、创新价值、产 业价值和社会价值。 本报记者 朱宝琛 12月18日，北京银行党委书记、董事长霍学文在"《财经》年会2026：预测与战略暨2025全球财富管理 论坛"上表示，财富管理一个担子挑两端，一端挑着万家灯火，一端挑着国家大计。一方面帮助家庭实 现资产 ...

Core Insights - The financial services sector is a key focus at the 2025 Service Trade Fair, showcasing China's commitment to financial openness, intelligence, and inclusivity [1][6] - The event attracted 97 financial institutions, with 46 being foreign, indicating a high internationalization rate of 47.4% [1] - Innovations in payment systems, such as the first "three-in-one" card product, enhance convenience for foreign nationals in China [2] Group 1: Financial Services and Internationalization - The presence of major international financial institutions like HSBC, Citibank, and JPMorgan highlights the integration of global financial services into the Chinese market [1] - The financial exhibition serves as a significant platform for showcasing China's financial openness and innovation [1][6] Group 2: Technological Integration - The deep integration of artificial intelligence in finance is a major highlight, with large-scale financial models demonstrating potential applications in risk control, investment advisory, and customer service [4] - The digital yuan experience zone attracted significant attention, showcasing the efficiency of digital currency in various payment scenarios [4] Group 3: Inclusivity and Accessibility - Financial institutions are launching inclusive financial products aimed at small and micro enterprises, utilizing big data for risk management [5] - The exhibition featured user-friendly financial tools for the elderly, emphasizing the importance of accessible financial services [5] Group 4: Overall Impact on Service Trade - The financial innovations presented at the fair signify a qualitative leap in service trade, with a focus on making financial services more accessible and beneficial to the public [6]

Core Viewpoint - Hua Lin Securities reported significant year-on-year growth in its performance for the first half of 2025, driven by market recovery and successful technology-driven strategic transformation [1] Financial Performance - In the first half of 2025, the company achieved operating revenue of 835 million yuan, a year-on-year increase of 35.15%, and net profit attributable to shareholders of 336 million yuan, a substantial increase of 172.72% [1] - In the second quarter, the company experienced a quarter-on-quarter revenue growth of over 57% and a net profit growth of over 226%, indicating a sustained high growth trend [1] Wealth Management Business - The wealth management business generated operating revenue of 503 million yuan in the first half of 2025, reflecting a year-on-year growth of 34.92%, with online wealth management revenue increasing by over 47% [3] - The sales of equity funds saw a remarkable year-on-year increase of 113.75%, supported by intelligent recommendation algorithms that matched user risk preferences with product characteristics [3] Proprietary Business - The proprietary business achieved revenue of 220 million yuan in the first half of 2025, marking a year-on-year increase of 19.57%, driven by a "boutique" investment strategy and advanced technology platforms [4] Talent Recruitment and Technological Innovation - The company launched a "National Elite Recruitment Plan" to enhance talent reserves for its technology transformation, targeting over 20 core positions across more than 30 cities [6] - Hua Lin Securities aims to deepen the integration of technology and finance, exploring the establishment of a "Financial AI Joint Laboratory" in collaboration with tech companies and academic institutions to tackle technical challenges [6]

Core Viewpoint - Huayin Securities reported significant growth in its financial performance for the first half of the year, driven by a recovering market and successful technology-driven strategic transformation [1][2]. Financial Performance - The company achieved an operating income of 835 million yuan, representing a year-on-year increase of 35.15% - The net profit attributable to shareholders reached 336 million yuan, a substantial year-on-year increase of 172.72% - In the second quarter, operating income grew over 57% quarter-on-quarter, while net profit surged over 226% quarter-on-quarter [1][2]. Business Segments - All major business segments, including asset management, wealth management, proprietary trading, and investment banking, experienced significant growth - Wealth management revenue for the first half of the year was 503 million yuan, up 34.92%, with online wealth management revenue increasing by over 47% - Proprietary trading revenue reached 220 million yuan, reflecting a year-on-year growth of 19.57% [3][4]. Technology and Innovation - The company is focused on becoming a "new generation of youthful technology financial company" by upgrading artificial intelligence technologies and innovating digital financial products - The implementation of smart recommendation algorithms has led to a 113.75% increase in equity fund sales - The company has developed a customer segmentation model using big data analytics to enhance customer engagement and retention [3][4]. Talent Recruitment - Huayin Securities launched a "National Elite Recruitment Plan" to support its technology transformation, targeting over 20 core positions across more than 30 cities - This initiative aims to strengthen the talent pool in areas such as data, algorithms, research, and wealth management [5]. Management Changes - The company appointed Yao Songtao, former president of Guangdong Securities, as the new board secretary, effective the day after the board's decision - The previous board secretary, Xie Yingming, will continue to serve as a committee member but will no longer hold the secretary position [6].

Core Viewpoint - Modern logistics is crucial for economic circulation, linking production and consumption, and supporting national economic policies through initiatives like the "National Railway Freight Loan" by SPDB [1][2] Group 1: Financial Product Overview - The "National Railway Freight Loan" is a digital financial product tailored for railway freight scenarios, leveraging historical shipping data for credit enhancement [2] - The product aims to provide efficient financing services through fully online operations, directly supporting market entities and stabilizing logistics chains [2] Group 2: Impact on Industries - SPDB's initiative focuses on key industries in Shanxi Province, such as coal, coke, and steel, offering customized financing solutions to meet specific needs [2] - The successful implementation of this loan product has enabled a steel company to resolve its freight turnover issues within 48 hours, showcasing the efficiency of the service [2] Group 3: Strategic Execution and Future Plans - The successful launch of the loan product highlights SPDB's strategic execution capabilities as a state-owned financial institution [2] - Looking ahead, SPDB plans to expand the coverage of the "National Railway Freight Loan" and other financial products to help businesses reduce financing costs and enhance operational efficiency [2]