当前，科技创新浪潮持续奔涌，如何引导金融活水精准浇灌科创领域，成为服务新质生产力发展的关键 着力点 。近日，广发银行携手广东省融资再担保有限公司推出 "科创贷"全线上银担合作融资服务平 台，以数字化手段为广东科技型企业提供更高效、更便捷的融资解决方案，助力破解科技型企业贷款难 题。 全流程线上管理 融资效率再提升 平台紧密对接国家及地方产业政策，创新采用动态"目标客户名单制"管理，主动衔接各级政府部门认定 的高新技术企业、专精特新"小巨人"企业等优质名单库。这一机制确保了金融服务能够自动、有效触达 重点支持的科技型企业，实现了政策导向与市场服务的有机结合，使金融资源得以定向支持至最有需要 的创新主体。 内外高效协同 构建服务生态 "科创贷"平台的实践为金融引导信贷资源持续流向科技创新前沿领域提供了借鉴经验。在平台内部，广 发银行打通了前、中、后台业务系统，实现了数据实时共享与流程自动化流转。对外，则通过标准化接 口与广东再担保等政府性融资担保机构实现系统直联，改变了以往银担双方多重审核、手工操作的模 式，实现了业务信息的实时共享衔接，运营效率显著提升的同时有效降低操作风险。 下一步，广发银行将以"科创贷"平台 ...

Core Insights - The insurance industry in Shandong is accelerating its development in high-quality growth, risk protection, and public service, responding to economic transformation and social demand changes [1] - The "Influential Shandong 2025 Annual Insurance Industry Impact Assessment" event recognized 38 insurance companies for their contributions to the industry [1][2] - Digital transformation, smart risk control, and inclusive insurance are key trends driving innovation in the Shandong insurance sector [2] Industry Developments - The insurance sector is becoming a stabilizer, booster, and ballast for high-quality development, extending its services from personal pensions to family health and disaster response [1] - The total votes for the impact assessment exceeded 2.4 million, indicating strong public engagement and interest in the insurance industry [2] - The event highlighted the importance of integrating technology with insurance services, enhancing efficiency and social influence [2] Award Winners - The most influential insurance companies in Shandong for 2025 include major players such as People's Insurance Company of China, China Life, and Ping An Life [3][4] - The best claims service companies recognized include China Life Property Insurance and Sunshine Property Insurance [4] - The leading insurance products awarded include various life and health insurance plans, showcasing innovation in product offerings [5] Media Influence - Qilu Evening News, the organizer of the event, has a significant media presence in Shandong, with over 1.05 billion downloads of its app and a daily active user base exceeding 1.75 million [3] - The media outlet has adapted to new communication trends, focusing on mobile platforms and smart content production to enhance its reach and effectiveness [2]

Core Viewpoint - The successful listing of Easy Health Group on the Hong Kong Stock Exchange marks a significant milestone, enhancing its governance and credibility while providing diversified capital support for long-term investments in the healthcare and insurance technology sectors [6] Group 1: Company Overview - Easy Health Group, registered in the Cayman Islands with core operations in Beijing's Dongcheng District, operates under the innovative model of "AI + Health + Insurance" to foster emerging productivity and strengthen the health technology industry [1] - Since its establishment in 2014, the company has developed two main business segments: "Easy Health" and "Easy Insurance," focusing on medical auxiliary research, health education, early screening services, comprehensive health service packages, and insurance technology services [1] Group 2: Service Capabilities - The company has built a full-chain service capability in the health service sector, providing comprehensive medical auxiliary research services from project initiation to data delivery for the pharmaceutical industry [2] - It offers a one-stop digital marketing solution to enhance public health literacy and has launched nearly 8,200 "early screening public welfare events" focusing on cancer risk screening and bone density testing [2] - In the insurance technology field, the company has established an efficient sales platform and collaborates with 58 insurance companies to offer nearly 300 health insurance products, catering to various consumer needs [2] Group 3: Financial Performance - Financial data indicates that the company's revenue reached 945 million yuan in 2024, with an adjusted net profit of 84.4 million yuan; in the first half of 2025, revenue was 656 million yuan with an adjusted net profit of 51.2 million yuan, demonstrating steady growth [4] - As of June 2025, the company had 168.4 million registered users, with 60.4% belonging to the core consumer group aged 20 to 45, and a retention rate of 92.2% for policyholders in the 13th month [4] Group 4: Future Plans - The company plans to increase investments in management, research and development, and data capabilities in Dongcheng District, leveraging local medical resources to promote the implementation of digital health scenarios [6] - It aims to deepen cooperation with state-owned enterprises in the region and explore replicable health service models to contribute to the cultivation of new productivity in Dongcheng [6] Group 5: Competitive Advantage - Easy Health's core competitiveness lies in its "health service front-end + insurance closed-loop" model and its ability to integrate platform resources [7] - The company actively incorporates AI technology to enhance health assessments, risk identification, and service matching, improving service precision and risk control [7]

在合规监测方面，合规系统依托AI能力，实现对员工企微会话、直播间消息的实时扫描与敏感词预警，辅助将风控重心从事后追责向事前预防与事中干 预延伸，有助于更及时地应对误导宣传等业务风险。 此外，系统还通过智能化处理大量内容审核工作，如营销记录、研报、营销素材等，将合规人员从基础筛查工作中解放出来，使其能专注于复杂风险的分 析研判，提升合规工作的效率与精准度。配合直观的风险可视化界面，管理层能更清晰地把握整体风险状况，做出更合理的决策。 金律系统界面 在当前的市场环境下，期货公司面临风险管理与业务发展的双重考验。金信期货选择了一条务实创新的发展路径——将人工智能技术扎实应用于风控体系 建设，通过自主研发的"金律—智能风控系统"，有效提升了合规管理效能。这一实践不仅让公司获得了行业认可，也为服务实体经济提供了更为可靠的技 术保障。 构建智能风控体系 期货行业因其高杠杆、价格波动剧烈及跨市场关联性强的特性，对风控的全面性、及时性和穿透性提出了较高要求。金信期货基于对业务需求的深入理 解，致力于开发以"AI合规助手"为核心的智能风控系统。这一系统并不追求技术的"炫目"，而是注重解决实际问题。 据了解，这一合规系统覆盖客户 ...

近日，杭州弘耀资产管理有限公司等机构注销私募基金管理人登记。截至12月14日，年内已有1155家私 募基金管理人完成注销登记。 业内受访人士认为，在监管部门"扶优限劣"的指引下，私募基金行业大量不合规或经营不善的机构将逐 步退出市场。 注销速度放缓 规模创历史新高 私募基金管理人注销数量下滑与行业规模增长、行业分红增多的"背离"，是私募基金行业实现更高质量 发展的具体体现。 中基协数据显示，截至2025年10月末，存续私募基金规模达22.05万亿元，环比增加1.31万亿元，创下历 史新高。值得关注的是，此次私募基金规模创新高的动力更多源于存量基金净值回升的内生驱动：私募 证券投资基金存续规模突破7万亿元，环比增长1.04万亿元，而今年10月份全部新备案私募基金规模仅 为670.10亿元。 行业规范发展与规模增长的最终目标，是为投资者创造更稳定的回报。今年以来，私募基金分红力度显 著提升。私募排排网统计数据显示，截至2025年11月末，有业绩展示的私募产品年内累计实施分红1658 次，合计分红金额达173.38亿元，突破170亿元大关；与去年同期的51.51亿元相比，同比大增 236.59%。 "2025年以来 ...

Core Viewpoint - The 20th Central Committee of the Communist Party emphasizes the importance of enhancing people's livelihoods through inclusive financial services and addressing urgent public concerns, aiming to improve the quality of life for citizens [1] Group 1: Financial Services for Citizens - Financial institutions are focusing on practical actions to enhance service accessibility and protect citizens' financial interests [1][4] - Recent policy changes have simplified the inheritance process for small deposits, raising the limit for simplified withdrawals from 10,000 RMB to 50,000 RMB, and including various financial products in this process [4][11] - The implementation of the "Silver Age Home Care" project aims to provide elderly individuals with smart home monitoring systems to enhance safety and reduce care burdens on families [10][11] Group 2: Consumer Experience and Feedback - Consumers have expressed mixed experiences with new policies, highlighting the need for better communication and understanding of financial services [3][5] - The insurance industry has introduced platforms to facilitate easier insurance processes for consumers, particularly for new energy vehicle owners [5][12] - Financial institutions are increasingly integrating consumer feedback into service improvements, ensuring that policies address the real needs of the public [5][12] Group 3: Fraud Prevention and Risk Management - Financial institutions are leveraging technology, such as AI and big data, to enhance fraud detection and prevention measures [9] - The "Victim Warning Protection Model" has been developed to identify potential fraud cases and initiate timely responses to protect customers [9] - Collaborative efforts between banks and law enforcement have proven effective in safeguarding customer funds from fraud attempts [8][9] Group 4: Insurance Industry Developments - The insurance sector is focusing on proactive risk management, shifting from post-incident compensation to preemptive protection measures [11][12] - Recent statistics indicate significant growth in long-term health insurance policies and coverage for elderly individuals, reflecting the industry's commitment to social responsibility [11][12] - Insurance companies are collaborating with government agencies to enhance community safety and reduce accident rates through targeted initiatives [12]

党的二十届四中全会提出，坚持尽力而为、量力而行，加强普惠性、基础性、兜底性民生建设，解决好 人民群众急难愁盼问题，畅通社会流动渠道，提高人民生活品质。近年来，在政策引领下，金融机构聚 焦百姓身边事，广泛开展"为民办实事"行动，旨在提升金融服务可及性，更好守护群众"钱袋子"。 这些举措"实"在哪里？效果如何？我们听听消费者的心声。 增民利、解民忧，政策有温度 【镜头】 防欺诈、除隐忧，筑牢"防火墙" 【镜头】 "听说按照新政策，继承5万元以下的小额存款可以免公证。我去银行办理时，却没那么顺利。"最近， 在湖北武汉市青山区，80多岁的王建军和老伴到一家银行网点，办理已故亲属存款的继承事宜。本以为 很快能办完，没成想，银行工作人员却告知其无法按照小额遗产继承方式便利提取存款，需要公证继 承。 "一开始我也纳闷儿，这个账户存款不多，应该能免公证的。公证除了多费周折，还要花一笔钱。"王大 爷一头雾水，忙向银行工作人员追问。 "王大爷提出疑惑后，我们进一步核实存款明细，发现该账户近期转入一笔上万元的社保丧葬补助金， 加上这笔钱后，余额超过了5万元。"银行工作人员说，弄清楚情况后，他们帮助王大爷进行便利提取。 "根据新政策 ...

在当前金融市场开放提速、信息传播极速化与监管持续收紧的背景下，金融机构面临的风控压力日益加 剧。负面舆情、政策变动或行业事件均可能在瞬间引发市场波动，而依赖事后追责与人工排查的传统风 控手段，难以应对高频、跨市场的现代风险传导。数字化时代海量、多源的异构数据，传统金融风控体 系的短板正愈发凸显：一是响应滞后，导致管理者往往在风险爆发后才能介入，错失处置良机；二是视 角单一，大多停留于企业层面，缺乏行业、债券与宏观的联动分析，导致决策不准；三是高度依赖人 工，不仅效率低下且易遗漏关键信号。这些系统性短板在市场多次波动中已被反复验证，亟待解决。作 为数据智能领域的领军企业，中科天玑针对性推出"锐眼风控系统"，致力于为金融机构构建新一代智能 风控基础设施，实现从"看得见"风险到"看得清、看得远"的能力跨越。 行业监管层面：能够精准打标，完成从"看点"到"看面"的升维分析。系统采用申万/证监会行业分类标 准，将海量舆情数据归入精准行业赛道。用户不仅能看清单一企业的风险，还能纵览整个行业的舆情态 势与风险传导，及时发现共性风险与结构性机会。 宏观层面：该系统能实时追踪热点新闻与政策动向，并解析其对资本市场与实体产业的潜 ...

近日，中信消费金融与朴道征信正式签署战略合作协议。双方将依托各自在消费金融场景运营和征信数 据服务领域的核心优势，聚焦智能风控模型共建、数据生态协同等关键方向，共同探索数字金融风控创 新路径。 当前，消费金融进入合规为王、风控为本、精益为要的高质量发展新阶段，消费金融行业正在加快向以 科技和数据驱动的发展模式转型升级，面临着数据沉淀不足、数据流通壁垒、模型时效滞后等共性挑 战，其中核心信用数据的覆盖、挖掘和应用等因素，直接决定着科技动能和数据价值的充分释放，这些 关乎金融服务的门槛与运营成本，也影响着普惠金融的服务效能。 中信消费金融作为央企旗下的消费金融公司，积极贯彻党中央关于大力提振消费的决策部署，采用科技 和数据驱动的数智化发展战略，强化智能风控和数字化运营等核心能力，为用户提供智能、安全、便捷 的消费金融服务。朴道征信作为全国第二家同时持有个人征信业务牌照和企业征信业务资质的市场化征 信机构，沉淀了覆盖通信、支付、电商消费等多维度的合规数据资源。双方将致力于共建可持续的行业 风控生态协同模式，通过共建数据生态，深度融合场景经验与多维数据，实现数据模型持续迭代优化， 有效提升风险识别的精度与风控效率，形 ...

Core Insights - The article highlights the increasing sophistication of financial black and gray markets, which exploit vulnerable consumers through deceptive practices and advanced technology [1][5][10] - Financial institutions are responding with technological innovations and collaborative efforts to combat these threats, emphasizing the need for a multi-layered defense system [6][10][11] Group 1: Financial Black and Gray Market Operations - The financial black and gray market has evolved into a complete industry chain, utilizing internet platforms for customer acquisition and employing fake legal teams for fraudulent litigation guidance [2][5] - Tactics include creating false evidence such as fake poverty certificates and using coded language to evade detection by platforms [2][5] - The market size of financial black and gray activities surpassed 280 billion yuan in the first quarter of 2025, with illegal activities like proxy rights protection rapidly expanding [5][10] Group 2: Technological Responses from Financial Institutions - Financial institutions are developing advanced technology systems to counteract black and gray market tactics, such as the "Tianxing Insight System" for precise identification and tracking of fraudulent activities [6][9] - A shift from post-event handling to proactive prevention and early warning systems is being implemented, utilizing multi-modal anti-fraud technologies [7][9] Group 3: Industry Collaboration and Governance - The establishment of the AIF Alliance aims to enhance collaborative governance against financial black and gray markets, focusing on data sharing and joint risk management [10][11] - The "Yulei Police-Enterprise Cooperation System" facilitates information exchange between financial institutions and law enforcement, improving the efficiency of tracking and apprehending suspects [11][12] - The AIF Alliance has shared over 203,400 pieces of black market data and assisted in numerous law enforcement actions since its inception [10][11]