12月26日，以"新开局、新动能、新征程"为主题的"启航·2025金融峰会"在北京圆满举办，大会由金融界主办，汇聚监管部门、行业协会、金融机构、上市 公司、媒体等数百位相关领导和重磅嘉宾。会上，第十四届金融界"金智奖"年度评选结果重磅揭晓，郑州银行荣获"杰出智慧风控先锋奖"。 "金智奖"旨在树立高质量发展标杆，引导上市公司聚焦主业、持续创新、践行社会责任，推动资本向优质企业集聚。本届评选中，金融界上市公司研究院紧 密契合"十五五"规划建议中"提升上市公司质量"的要求，将高质量发展内核分解为社会责任、实业贡献、投资回报、成长前景、创新效率、杰出品牌六大维 度，以企业财务数据和公开信息为基础建立量化分析模型，最终覆盖A股、港股及中概股超8000家企业，评选出近200家获奖企业。 杰出智慧风控奖旨在表彰在金融风险管理领域兼具稳健性与创新性的金融机构，包括在风险指标表现、科技赋能风控、合规体系建设三大维度取得卓越成 效。该奖项核心评价标准包括风险管控成效显著，科技创新融合深入，合规与处置能力突出。本奖项旨在树立金融行业智慧风控标杆，引导行业通过"稳健 管控+科技赋能"双轮驱动，提升风险管理精细化水平，助力金融行业高质 ...

中小微企业是经济高质量发展的重要基础，浙江始终着力破解其融资难题。全国中小微企业资金流 信用信息共享平台（以下简称"资金流平台"）上线一年来，推动数据要素转信用资产，为企业融资开辟 新路径。稠州银行绍兴分行顺势而为，以平台"透视能力"为核心，创新信贷模式，精准破解绍兴黄酒等 产业融资痛点，赋能地方中小微企业发展。 传统信贷中，香榧种植户、黄酒企业常因抵押物不足、经营数据难核验陷入融资困境。稠州银行绍 兴分行的创新首先体现在授信逻辑重构：摒弃"抵押物优先"的传统思路，依托资金流平台的"透视能 力"，从重抵押、重报表的传统尽调到重经营、重流水的智慧风控升级，打通产业交易、物流、结算等 多维度数据——对香榧种植户，平台可实时抓取终端销售流水；对黄酒企业，能穿透酿造存储周期、供 应链付款节点、经销商回款节奏，将动态的资金流水转化为坚实的信用资产，让轻资产主体获得授信。 资金流水是企业经营的"心电图"，能最真实地反映其健康度。而资金流平台更实现了全流程动态风 控，通过数据可视化看板，一方面，可以实时追踪贷款资金流向，确保资金精准用于榧林抚育、黄酒原 料采购等生产环节，避免资金被挪用；另一方面，当企业流水出现异常，客户经 ...

Core Viewpoint - The article discusses the current state and challenges of the compliance and risk control system in China's public fund industry, emphasizing the need for continuous improvement to meet the demands of high-quality development [1][2]. Group 1: Current State of Compliance and Risk Control - The compliance and risk control system in the public fund industry has made significant progress, characterized by a more complete regulatory framework and a strong emphasis on prioritizing investor interests [1][2]. - The industry has shifted from a focus on post-event punishment to proactive prevention and real-time control, establishing a mature regulatory system and industry ecosystem [2]. Group 2: Challenges Facing Compliance and Risk Control - The complexity of products, such as derivatives and structured products, poses challenges in risk identification, requiring higher professional capabilities from risk management personnel [2]. - The internationalization of business introduces cross-border risks, including global market risks and regulatory differences [2]. - Information security risks are heightened due to reliance on IT systems, which can lead to transaction interruptions or data breaches if compromised [2]. Group 3: Areas for Improvement - The compliance and risk control system needs to evolve towards "smart risk control" through the integration of big data and AI, enhancing risk management centered on investors [3]. - There is a need to build comprehensive and penetrating risk management capabilities and to strengthen emergency plans and stress testing [3]. Group 4: Insights from Longsheng Fund - The compliance and risk control team operates with a sense of urgency, recognizing that the construction of these systems is an ongoing process requiring strategic attention from the entire company [4][5]. - A strong risk culture and efficient action are essential for the successful evolution of the compliance and risk control system, which will enable the company and industry to achieve high-quality development [5].

Core Insights - Wenzhou, known for its vibrant private economy, continues to thrive in international trade, exporting products to 230 countries and regions under the "Wenzhou Manufacturing" brand [1] - Ningbo Bank's Wenzhou branch is actively addressing cross-border operational challenges for enterprises by implementing a three-tiered support mechanism that includes policy access, direct services, and smart risk control [1][5] Group 1: Policy and Support Mechanisms - The "Three Teams" initiative, which includes "Foreign Exchange Service Liaison Officers," "Exchange Rate Risk Prevention Promoters," and "Declaration Instructors," aims to provide comprehensive support for enterprises engaged in foreign trade [1][3] - The Wenzhou Foreign Exchange Administration has been promoting the concept of exchange rate neutrality among enterprises, with plans for continued outreach and education through online and offline channels [2] Group 2: Training and Education - A training session for nearly 400 import and export enterprises was held prior to the 137th Canton Fair, where the latest foreign trade policies were discussed, and financial service solutions were presented [3] - The Wenzhou branch of Ningbo Bank provided specialized training on trade processes and risk management to assist enterprises in navigating international markets [4] Group 3: Tailored Services for Enterprises - The "Service Direct" approach involves one-on-one consultations to analyze export strategies and provide customized service plans for enterprises looking to establish overseas production [4] - The bank collaborates with regulatory bodies to deliver comprehensive policy packages to enterprises planning to invest abroad, ensuring compliance and facilitating the "going out" strategy [4] Group 4: Digital Solutions and Efficiency - The implementation of high-level facilitation policies has significantly improved the efficiency of cross-border payment settlements for small and medium-sized enterprises, allowing for streamlined processes and reduced administrative burdens [5] - Ningbo Bank emphasizes the importance of digital services and direct connections between banks and enterprises to enhance the overall experience of cross-border transactions [5]

Core Insights - Jiangsu Bank has achieved a significant milestone by surpassing a total asset scale of 4 trillion yuan, marking its entry into the "4 trillion" city commercial bank category [1][3] - The bank reported a revenue of 22.304 billion yuan for Q1 2025, reflecting a year-on-year growth of 6.21%, and a net profit attributable to shareholders of 9.78 billion yuan, up 8.16% year-on-year [1][2] - The bank's non-performing loan ratio has improved to 0.86%, the best level since its listing, with a provision coverage ratio of 343.51%, indicating strong risk mitigation capabilities [1][4] Revenue and Profit Growth - Jiangsu Bank's revenue for Q1 2025 was 22.304 billion yuan, a 6.21% increase compared to the previous year, while net profit reached 9.78 billion yuan, up 8.16% year-on-year [2] - The annualized Return on Equity (ROE) stood at 16.5%, an increase of 1.12 percentage points year-on-year, and the annualized Return on Assets (ROA) was 0.96%, placing the bank among the top tier of listed banks [2] - Interest income, a key revenue driver, amounted to 16.592 billion yuan, growing by 21.94% year-on-year and accounting for 74.38% of total revenue [2] Asset Expansion - As of the end of Q1 2025, Jiangsu Bank's total assets reached 4.46 trillion yuan, marking a significant growth milestone [3] - The bank's loan balance was 2.26 trillion yuan, reflecting a year-on-year growth of 7.96%, with both corporate and retail loans showing positive growth [3] - Jiangsu Bank has actively supported the real economy by focusing on key industries and major projects, aligning with national policies to boost consumption [3] Asset Quality Improvement - The non-performing loan ratio decreased to 0.86%, down 0.03 percentage points from the end of the previous year, achieving the best level since its listing [4] - The provision coverage ratio of 343.51% significantly exceeds the industry average, indicating robust asset quality management [4] - The overdue loan ratio was 1.11%, down 0.01 percentage points, and the attention loan ratio was 1.33%, down 0.07 percentage points, demonstrating effective risk management [4] Market Performance and Investment Value - Jiangsu Bank's stock price has shown strong performance, with a year-to-date increase of over 56% in 2024 and multiple historical highs reached in 2025 [5] - The bank is favored by mainstream investment institutions, with 911 products holding its shares, ranking it among the top four listed banks [5] - The management has demonstrated confidence in the bank's long-term development by voluntarily increasing their holdings by over 20 million yuan [5]