12月24日，中国人民银行、国家发展改革委、财政部、交通运输部、商务部、金融监管总局、中国 证监会、国家外汇局联合印发《关于金融支持加快西部陆海新通道建设的意见》（以下简称《意 见》）。围绕相关内容，12月25日，中国人民银行举行新闻发布会。 西部陆海新通道向南联通广西北部湾和印度洋海路，向西联通古丝绸之路中亚诸国直达欧洲，是共 建"一带一路"的关键节点。"金融支持共建'一带一路'，关键是要推动资金融通不断扩大，同相关国家开 展多种形式的金融合作，形成层次清晰、具备规模的金融合作网络。"中国人民银行党委委员、副行长 陆磊表示，随着我国加入《区域全面经济伙伴关系协定》（RCEP），与东盟各国贸易联系日益紧密， 金融高水平双向开放需要加快推进，应当抓住陆海新通道建设的契机，守正创新、扎实推进。《意见》 的出台，彰显了中国"开放的大门越开越大"的决心，对于打造顺畅联通的国内国际双循环，助力形 成"陆海内外联动、东西双向互济"对外开放新格局意义重大。 重庆市委副书记、市政府常务副市长陈新武表示，中国人民银行牵头国家八部门联合出台首个国家 层面支持西部陆海新通道建设的金融专项政策文件，这既是贯彻落实党的二十届历次全会精 ...

"通过济南担保提供融资担保，很快通过了银行审批并获得贷款200万元，帮助我们锁定了优质原材料采 购，产能也进一步提升，还能享受政府补贴，只要按时还款、稳定用工，可享受多次贷款政策扶 持。"山东宇众汽车科技有限公司总经理蔡东岳谈起最近的融资经历时如是说。 "入选'海右计划'产业领军人才是一项荣誉，更是让我获得了实实在在的资金支持，150万创业担保贷款 不到一周就审批通过了，真是解了燃眉之急。"为表达感激，云燕科技（山东）股份有限公司负责人臧 玉峰向济南担保送上了锦旗。 近年来济南担保对创业担保贷款进行了全方位的数字化改造，推出"济担-创业贷"产品，成功打破政府 部门、金融机构与担保机构之间的信息壁垒，构建了"人社-银行-担保"三方协同的普惠金融新生态。通 过搭建互联互通的数字化平台，实现了信息共享与业务联动,人社部门提供政策导向与资格认定、担保 机构提供增信及优惠费率、银行机构提供资金并让利、财政则给予贴息支持，实现财政政策向金融产品 的转化，成功将创业主体承担综合融资成本降到1.75%，同时兼顾政策延续性，产品设置最长贷款期限 可达3年，累计贷款次数可以达到3次。这种协同机制实现了有为政府与有效市场的有机结合 ...

学生代表在发言中说道："基地为我们提供了接触行业前沿的机会，将激励大家以理论功底对接实践需 求。"座谈交流环节，成都分行相关部门负责人针对学生关切的金融行业前景、考研就业规划、实习岗 位获得等问题逐一解答，建议学子"以持续学习能力适应行业变革"，引发热烈反响。针对西南民大提出 的"双师双能型"师资队伍共建需求，成都分行明确表示将开展学生社会实践、课题合作等探索，进一步 拓展合作维度。此次基地共建标志着成都分行与西南民大在人才培养、师资建设、行业服务等领域形成 深度共识。未来，双方将依托基地探索并实践定制化课程开发、实习实训、科研攻关等合作，为民族地 区金融高质量发展输送复合型人才。 银行频道更多独家策划、专家专栏，免费查阅>> 责任编辑：栎树 近日，泸州银行成都分行&西南民族大学经济学院"数智金融产学研协同创新实践教育基地"签约暨授牌 仪式在成都举行。仪式伊始，主持人介绍了与会嘉宾及活动背景，强调基地建设是落实学校"特色民大 战略"、深化经济学院实践育人改革的重要举措。 泸州银行发言代表在致辞中对西南民大师生表示欢迎，系统介绍了泸州银行的发展历程、业务布局及辐 射范围，提出"以基地为纽带，打造金融人才培养与行 ...

△国务院发展研究中心原副主任、第十三届全国政协经济委员会副主任刘世锦发表主题演讲 国务院发展研究中心原副主任、第十三届全国政协经济委员会副主任刘世锦，在主题演讲中指出，从经济社会转 型升级、实现高质量发展的角度看，"十五五"时期是我国经济增长由投资和出口为主驱动向创新和消费驱动为主 转变的关键时期，也是绿色转型、美丽中国建设由理念到实践全面深化推进的关键时期。 当"双碳"目标成为各行各业的行动纲领，当ESG变为资本市场的核心考量，一场深刻的经济社会系统性变革正加 速推进，"万物可续"已经成为社会共识。 2025年11月20日，广东时代传媒集团在成都举办了"影响力·时代"可持续发展创新年会，年会以"万物可续"为主 题，邀请学界、企业界代表共同探讨可持续发展之道。 △广东时代传媒集团董事长孙波致辞 广东时代传媒集团董事长孙波在致辞中表示，"万物可续"，是我们对可持续发展愿景的终极勾勒，媒体不仅是时 代的记录者，更是变革的参与者，这正是搭建"影响力·时代"平台的初心。愿这次年会成为一个清晰的行动起点， 让我们携起手来，将"万物可续"的宏大叙事，转化为可执行的路线图，共同勾勒一个清晰可见并且可以抵达的未 来。 通威股 ...

Core Insights - The article highlights the significant advancements and strategic vision of Bosera Fund in the field of digital finance, particularly during the 8th China International Import Expo held in Shanghai from November 5 to 10 [1] Group 1: Intelligent Quantitative Investment - Bosera Fund has made substantial progress in intelligent quantitative investment, utilizing AI models to enhance investment strategies in areas such as factor mining, timing, sector rotation, and allocation [2] - The "Intelligent Quantitative Factor Allocation System," launched in 2022, has consistently generated significant and stable annualized excess returns, demonstrating its robustness in complex market conditions [2] - New strategies like "Stable Income Strategy" and "Sector Rotation Intelligent Strategy" have been successfully implemented in real investment portfolios, showcasing AI's potential in capturing market opportunities and smoothing portfolio volatility [2] Group 2: Intelligent Research and Decision-Making - Bosera Fund has developed the "Boshi" AI assistant and knowledge base to improve research personnel's information processing efficiency in market research, report reading, and data retrieval [3] - The firm is closely tracking advancements in large language models and multi-modal AI to enhance decision-making capabilities, focusing on market trend capture, stock profit forecasting, and investment strategy development [3] Group 3: Cross-Border Financial Services - Bosera International, a subsidiary of Bosera Fund, is expanding its financial services into cross-border areas, aligning with national financial opening strategies [4] - The introduction of T+0 rapid redemption mode in the Hong Kong market significantly enhances customer investment experience by improving fund efficiency and flexibility [4][5] - The collaboration with banks to create a coordinated system for redemption ensures immediate access to funds for investors, breaking traditional redemption time constraints [4] Group 4: Customer-Centric Ecosystem - Bosera Fund is building a customer-centric intelligent ecosystem that covers the entire investment process, integrating financial technology to enhance service quality [6] - The "Boluomi" and "ETF Zhihui Jia" WeChat mini-programs provide comprehensive solutions for clients, while the "Combination Cube" platform offers a simulated investment environment to improve users' asset allocation and risk management skills [6][7] Group 5: Risk Management Innovations - Bosera Fund emphasizes the importance of risk management, having upgraded its intelligent compliance platform to enhance operational efficiency and risk mitigation [8] - The platform supports comprehensive risk management processes, including pre-trade simulations, real-time monitoring, and automated compliance reporting, creating a closed-loop compliance system [8] Conclusion - The China International Import Expo serves as a vital platform for Bosera Fund to showcase its strategic foresight and capabilities in digital finance, with a commitment to deepening financial technology empowerment and exploring new service models for sustainable value creation [9]

Core Viewpoint - The "10th Rongcheng Cup Financial Technology Innovation Case Selection Award Ceremony" was held, recognizing ten institutions for their innovative contributions in various financial technology areas, showcasing significant advancements in inclusive finance, green finance, and intelligent risk control [1][3][5]. Group 1: Awarded Institutions and Innovations - The awarded institutions include Agricultural Bank of China, Postal Savings Bank of China, Industrial Bank, Shanghai Pudong Development Bank, Zhejiang Commercial Bank, Jiangsu Bank, Hangzhou Bank Wealth Management, Ant Group, Volcano Engine, and Sangfor Technologies [1][3]. - Agricultural Bank of China's AI + Smart Remote Sensing Financial Service Platform developed over ten AI remote sensing interpretation models, enhancing the quality of inclusive and green finance [3][4]. - Postal Savings Bank of China's enterprise-level model management practice established a governance framework covering the entire model lifecycle, creating a low-code intelligent platform for efficient decision-making [3][4]. - Industrial Bank's consumer rights protection intelligent review platform utilizes a compliance knowledge base to automatically identify potential violations, representing a significant application of intelligent technology in consumer protection [3][4]. - Shanghai Pudong Development Bank's digital financial supply chain project integrates blockchain, AI, and IoT technologies, establishing a comprehensive intelligent service system for supply chain finance [3][4]. Group 2: Additional Recognitions and Trends - The "Excellent Case" award was also given to nine other institutions, including Tianjin Bank and East Asia Bank, recognizing their contributions to financial technology exploration [5]. - The evaluation committee identified five new trends in digital finance development: technology integration, practical AI advancements, data value release, innovation in business models focusing on ecological collaboration, and lightweight digital transformation paths for small financial institutions [5].

Core Insights - The core focus of the event was on upgrading corporate digital financial services through AI and technology, aiming to enhance the overall service ecosystem for enterprises and support high-quality development of the real economy [1] Group 1: Inclusive Digitalization - The bank aims to break down service barriers by integrating AI and digital technologies to provide inclusive financial solutions, addressing industry pain points such as cost, risk, and scale [2] - New digital tools for small and medium-sized enterprises (SMEs) include free basic financial services upon account opening and fully online processes for products like "Science and Technology Loan" and "Enterprise Loan," significantly reducing costs and difficulties for businesses [3] Group 2: Intelligent Financial Services - A layered service matrix centered around "AI Xiao Zhao" has been developed to provide tailored digital assistants for different roles within enterprises, enhancing operational efficiency and decision-making [4] - The bank's online services have enabled enterprises to independently activate 2.5 million product functions, with 300,000 letters of guarantee issued and 70,000 clients served by AI Xiao Zhao since its launch [4] Group 3: Scenario-Based Financial Solutions - The bank has introduced customized financial service solutions that integrate industry and scenario-specific needs, particularly in the automotive and consumer sectors, to enhance supply chain collaboration [5][6] - In the automotive sector, the bank offers comprehensive financial solutions that address the entire supply chain, including global fund management and innovative financing products for suppliers [5] Group 4: Treasury Management - The bank has established a multi-tiered treasury management cloud system to support the diverse needs of group and global operations, with a focus on scenario-based, global, intelligent, and platform capabilities [7] - The new "Smart Treasury" product enhances service capabilities across four dimensions, including scenario-based services, global operations, intelligent services, and platform support [8][9] Group 5: Operational Efficiency and Risk Management - The bank aims to improve operational efficiency through comprehensive account management, payment processing, and financial resource management, creating a unified governance ecosystem for all financial resources [10] - A unified data platform has been developed to support intelligent decision-making and risk management, ensuring real-time monitoring and response to anomalies [11] Group 6: Customer-Centric Approach - The service upgrade is driven by customer feedback, with over 13,000 effective suggestions received from 180,000 clients, highlighting the bank's commitment to listening to customer voices [12] - The bank emphasizes the importance of technology and business team collaboration, aiming to create an exceptional customer experience while contributing to the digital transformation of enterprises [12]

Core Viewpoint - China Minsheng Bank showcased its digital financial services and innovative solutions at the 2025 China International Fair for Trade in Services, emphasizing its commitment to high-quality economic development and service to the public [1][3]. Group 1: Exhibition Highlights - The bank's theme "Smart Minsheng for a Shared Future" was central to its presentation, featuring an immersive interactive exhibition that demonstrated its achievements in digital finance, small and micro finance solutions, and technology-driven industrial park development [1]. - The exhibition included four main components: exhibition, discussion, negotiation, and experience, allowing visitors to engage with various financial service applications such as green finance, inclusive finance, and digital finance [1][3]. - Interactive experiences, such as customized "Minsheng Headlines" newspapers and "Minsheng Pension Calculators," were particularly popular, indicating high visitor engagement and satisfaction [3]. Group 2: Strategic Goals - China Minsheng Bank aims to leverage its participation in the fair to deepen the innovative application of financial technology across all business processes, enhancing customer experience and service efficiency [5]. - The bank is committed to contributing greater digital financial strength to support the real economy and social development [5].

Group 1 - The core theme of the financial services section at the service trade fair is the integration of technology and finance, showcasing how financial institutions are enhancing their services to support the real economy and contribute to building a strong financial nation [1][2] - China Construction Bank's green carbon-neutral branch is highlighted for its real-time carbon emission monitoring and innovative energy-saving models, which have received certification from the Green Exchange [1] - Industrial and Commercial Bank of China presented a financial model that utilizes large-scale intelligent interactions and technological advancements to empower economic and social development [1] Group 2 - Agricultural Bank of China's "VR Homestay Experience Zone" allows visitors to virtually explore rural homestays supported by the bank, demonstrating its commitment to rural revitalization and inclusive finance [2] - China Development Bank showcased its efforts in supporting clean energy and infrastructure projects across Asia, Australia, Africa, and Eastern Europe, emphasizing its role in the Belt and Road Initiative [2] - The "Hui Dong Ni" app from China Construction Bank enables small business owners to assess loan eligibility and select products conveniently, with over 400 million visits recorded [2][3] Group 3 - The integration of technology in finance is evident through initiatives like credit support based on corporate integrity, carbon footprint tracking for green credit, and data analysis for rapid support of SMEs [3] - The advancements in technology-driven financial services, including green finance, inclusive finance, and digital finance, are enhancing the efficiency and precision of financial support to the real economy [3]

Core Viewpoint - Minsheng Bank actively participated in the 2025 China International Service Trade Fair, showcasing its innovative financial services under the theme "Smart Minsheng, Win Together" [1][10]. Group 1: Exhibition Highlights - The Minsheng Bank exhibition featured five experience zones, each demonstrating the bank's representative innovative achievements, allowing visitors to immerse themselves in the bank's digital charm and innovative warmth [3][10]. - In the Technology Finance zone, visitors could generate a personalized front page using the "Minsheng Bank Headlines" newspaper machine, creating a unique experience to take home [3]. - The Digital Finance zone showcased features like one-click card binding and instant payment through mobile banking, emphasizing the convenience of "seamless account opening" [3]. Group 2: Financial Services Focus - The Green Finance zone displayed real-time information on the "Minsheng Peak and Harmony" green financial product system, ESG index, and green carbon rights financial products, highlighting the bank's commitment to sustainable development [4]. - In the Inclusive Finance zone, an interactive game called "Kaka Elimination" was introduced, allowing visitors to engage with Minsheng Bank's credit card elements, promoting easy and accessible financial services [7]. - The Pension Finance zone featured a "Pension Calculator" that helps users estimate their pensions and provides professional planning advice, making retirement security more tangible and manageable [9]. Group 3: Strategic Positioning - Minsheng Bank's participation in the fair illustrated its commitment to high-level opening-up and support for the real economy, aligning with its mission of "serving the public and caring for people's livelihoods" [10].