2025年12月28日，徽商银行迎来成立二十周年的重要日子。二十年风雨兼程，二十年春华秋实。自成立 以来，徽商银行始终坚守"金融为民"初心，深入践行金融工作的政治性与人民性，坚持党建引领，突出 主责主业，充分发挥自身禀赋优势，以改革为笔、以创新为墨，用真情和汗水谱写了一部与地方经济共 生共荣、与社会民生温暖同行的奋斗华章。 廿载征程：与时代同频，铸就卓越品牌 2005年12月，徽商银行在全国城商行改革大潮中应运而生，成为全国首家由城商行和城信社联合组建的 银行业金融机构。从此，一颗金融新星在江淮大地冉冉升起。 经过二十年砥砺奋进，徽商银行已然成为安徽金融主力先锋，主要经营指标稳居头部城商行第一梯队， 逐步发展成为具有全国影响力的优秀地方主流银行，在中国金融发展史上留下了浓墨重彩的徽商印记。 经过五年发展，分行品牌影响力不断提升，获聘为"深圳市龙华区招商顾问机构"，荣获"深圳市龙华区 服务业百强企业""深圳市普惠金融高质量发展优异贡献奖""中小银行机构党建促进日常经营管理奖""纳 税信用等级A级纳税人""2021年深圳市反假货币知识与技能竞赛团体三等奖""深圳市公安局治安保卫工 作成绩突出集体""金融风云榜品牌 ...

小微企业就像实体经济的毛细血管，小店经济则藏着城市最浓的烟火气。2025年是《金融科技发展规划 （2022—2025年）》的收官之年，国家一直在加大对小微企业的融资支持，让金融资源精准流向实体经 济。在这样的背景下，金融科技头部企业小赢科技积极响应政策号召，秉持"科技融汇金融向善共筑美 好数字生活"的使命，通过2025年"做自己的光·小店闪光计划"、虚拟数字人WinDaidai等创新方式，把金 融服务的便捷和温暖送到了千家万户小微企业手中，在金融数字化、智能化转型的浪潮中，交出了一份 普惠金融的扎实答卷。 今年以来，《支持小微企业融资的若干措施》等一系列政策陆续出台，为改善小微企业融资环境、帮助 它们稳定发展提供了有力支持。国家金融监督管理总局的数据显示，截至2025年一季度末，银行业金融 机构面向小微企业的普惠型贷款余额已经达到35.3万亿元，比去年同期增长12.5%，金融支持小微企业 发展的力度一直在加大。 响应国家号召，小赢科技在2025年推出了"做自己的光"年度助力计划，通过"小店闪光计划"和"用户点 亮计划"两条线一起发力，为小微企业等实体经济送去金融"活水"。数据显示，2020年1月至2025年1 ...

当数字经济的浪潮席卷而来，手机银行已不再是金融服务的线上渠道，而是衡量一家银行科技实力、用 户思维与战略远见的标尺。行业竞争步入深水区，在功能趋同下，一场围绕"深度体验"与"智慧陪伴"的 竞赛悄然启幕。从用户体验连续三年行业第一，到打造"邮AI"陪伴式服务，这家国有大行正在重新定义 数字金融的温度与智慧。 根据中金金融认证中心（CFCA）最新发布的《2025数字银行调查报告》，邮储银行（601658）手机银 行用户体验连续三年稳居行业榜首，这或许不仅代表着一次排名的领先，更勾勒出邮储银行在数字服务 领域持续演进、敏捷响应用户需求的深层成长路径。 近期，邮储银行召开"2025年数字金融大会暨手机银行11.0发布会"，随着"AI2ALL"数字生态与手机银行 11.0版本的发布，邮储银行揭晓了其持续领先的密码：版本迭代的背后是一场始于数年前、从顶层设计 到底层架构、从技术逻辑到服务哲学的全方位"自我革命"。它试图回答一个根本性问题：在AI时代，国 有大行的数字化服务，如何从高效可靠的"工具"，进化为有温度、懂需求的"智慧伙伴"？ 全面深化AI应用成为重要的解题思路。 破局演变： 从"点状修补"到"体系重构" 三年前 ...

（原标题：领航金融未来 擘画时代新篇） 中国金融业正站在历史交汇的时间点。 案例征集 树立行业标杆 为系统总结2025年金融业的创新成果与实践经验，发掘在复杂环境下仍能保持战略定力、实现高质量发 展的金融机构典范，本次领航企业案例开启广泛征集，并秉持严谨标准与多元视角，展开全流程、多方 位评估，寄望于在促进行业交流与共同进步的同时，集众家所长，以点滴实践的微光，为"十五五" 金 融强国建设之路增光添彩。 前瞻展望 以金融高质量发展服务中国式现代化 领航金融机构仍然追求卓越。2025年，面对国际贸易竞争加剧、国内息差持续收窄等复杂经营压力，领 航金融机构拓宽服务半径，增强差异化竞争能力，在有限的空间中展现出无限的发展潜力。 在技术创新层面，以人工智能、大数据模型等为典型代表的金融数字化应用不断深化，为金融机构降低 运营成本、提升了服务质效打下了坚固的技术底座。丰富的金融功能无缝嵌入生产和生活场景，金融服 务线上线下全渠道协同更加流畅自如。 在服务国家战略方面，金融机构聚焦乡村振兴、区域协调发展等重大部署，农村数字普惠金融、产业扶 持贷款、基础设施建设融资等创新实践持续落地，因地制宜开发特色产品，一企一策优化服务 ...

Group 1: Inflation and Economic Indicators - Pakistan's inflation rate rose by 6.2% year-on-year in October, consistent with government and market expectations, attributed to supply shocks from floods and the closure of the Pakistan-Afghanistan border [9] - The trade deficit for the first four months of the fiscal year reached $12.582 billion, a 38.04% increase from the previous year's $9.115 billion, with exports declining by 4.04% and imports rising by 15.13% [10] Group 2: Banking and Financial Services - The banking sector issued 2.58 trillion rupees in agricultural loans for the fiscal year 2024-2025, exceeding the annual target and reflecting a 16.3% increase from the previous fiscal year's 2.22 trillion rupees [10] - The State Bank of Pakistan launched a new digital investment platform named "InvestPak" to facilitate investment in government securities, allowing clients to open investor portfolios and participate in auctions digitally [11] Group 3: Digital Infrastructure and Remittances - Huawei and Transworld Associates successfully deployed Pakistan's first 400G optical network, covering 72 sites nationwide, marking a significant milestone in the country's digital infrastructure development [11] - Overseas remittances increased by 9.3% year-on-year to $12.96 billion in the first four months of the fiscal year 2025-2026, with October remittances reaching $3.42 billion, a growth of 11.9% [11] Group 4: Fiscal Performance - The fiscal situation improved in the first quarter of the fiscal year 2025-2026, with a budget surplus of 2.1 trillion rupees, approximately 1.6% of GDP, driven by total revenues of 6.2 trillion rupees against total expenditures of 4.1 trillion rupees [12]

Core Insights - The "Hong Kong FinTech Week × StartmeupHK Festival 2025" is being held from November 3 to 7, celebrating the 10th anniversary of both events, attracting over 37,000 participants from more than 100 economies, with over 800 speakers and 700 exhibitors [1] - Financial One Account, as a FinTech Partner, showcased AI-driven digital transformation solutions for financial institutions during the event [1] - Dr. Jin Xinming, CEO of Financial One Account Hong Kong, delivered a keynote speech on combating deepfake threats, emphasizing the inadequacy of traditional detection methods against rapidly evolving AI models [1] Company Overview - Financial One Account's anti-fraud strategy platform includes over 25 digital modules capable of in-depth analysis of AI-generated images, achieving a comprehensive defense rate of 99% against deepfake threats [2] - The company received significant interest in its AI-driven deepfake detection and electronic Know Your Customer (eKYC) solutions during the event [2] - As the sole window for financial technology output from Ping An Group, Financial One Account supports over 60% of banks in Hong Kong, providing innovative solutions such as enhanced eKYC platforms and deepfake detection technology [2] Industry Outlook - The digitalization process in the financial industry is expected to accelerate, with security remaining a foundational element [2] - Financial One Account aims to collaborate with partners to create a safer and smarter financial ecosystem [2]

Core Points - The 2025 Financial Street Forum Annual Conference will be held from October 27 to 30 in Beijing, focusing on "Global Financial Development under Innovation, Transformation, and Restructuring" with over 400 key guests from more than 30 countries and regions attending [2] - The main forum will include seven thematic activities, with the opening ceremony scheduled for the afternoon of October 27 and the closing ceremony on the afternoon of October 30 [2] - Key leaders from national financial management departments, including the Governor of the People's Bank of China, will deliver keynote speeches during the opening ceremony, and a series of financial policies will be announced during the conference [2][6] - The conference will unveil several important institutions, sign international cooperation memorandums, and launch representative projects and reports in areas such as financial technology, green development, and industrial finance [2] Group 1: People's Bank of China Activities - The People's Bank of China will host a main forum titled "International Financial Governance and Cooperation under Changing Circumstances" and a Fintech Forum, releasing a series of financial standards during the event [4][9] - The main forum will invite representatives from various central banks and important financial institutions to discuss global financial governance [8] - The Fintech Forum will focus on the digital and intelligent transformation of finance, showcasing successful experiences and promoting industry exchanges [9] Group 2: Financial Regulatory Administration Activities - The Financial Regulatory Administration will hold the 2025 International Advisory Committee Meeting, focusing on financial risks and regulatory challenges in a fragmented global economy [13] - The China-Europe Insurance Innovation Forum will discuss topics such as insurance model classification and green insurance development [14] - A forum on "Safe Development and Application of Artificial Intelligence to Support High-Quality Digital Finance" will explore AI applications in finance [14] Group 3: China Securities Regulatory Commission Activities - The China Securities Regulatory Commission will hold its International Advisory Committee Meeting for the first time during the forum, focusing on promoting high-quality development of capital markets [18] - A parallel forum hosted by the Beijing Stock Exchange will discuss technology innovation and financial services in the context of global economic restructuring [18] - The Capital Market Fintech Forum will emphasize AI's role in driving the digital transformation of capital markets [19] Group 4: State Administration of Foreign Exchange Activities - The State Administration of Foreign Exchange will host a special event and closing ceremony on October 30, focusing on "International Economic and Trade Resilience Cooperation under Global Changes" [21][24] - The event will feature discussions on global investment patterns and the role of central banks in the new global landscape [23][24] - The administration aims to enhance trade cooperation resilience and promote investment in advanced manufacturing, digital technology, and green energy [24]

Core Viewpoint - The 2025 Financial Street Forum will feature significant participation from the People's Bank of China (PBOC) and aims to address international financial governance and cooperation, as well as the role of financial technology in the digital transformation of finance [1][2][3] Group 1: Forum Details - The main forum titled "International Financial Governance and Cooperation in Changing Circumstances" will include key speakers from various central banks and financial institutions, emphasizing the PBOC's perspective on global financial governance [2] - A Financial Technology Forum will focus on "Deepening the Use of Financial Technology to Promote Digital and Intelligent Transformation," featuring multiple activities such as keynote speeches, expert dialogues, and project exchanges to enhance the financial sector's technological capabilities [2] Group 2: PBOC Initiatives - The PBOC plans to release a series of financial standards during the forum and will participate in several other events, including the 2025 China-Arab Investment Cooperation Forum and discussions on financial innovation for the high-quality development of the private economy [3] - The PBOC is committed to thorough preparations for the forum, aiming to deliver a fruitful and cooperative high-quality event [3]

Core Viewpoint - The internationalization of the Renminbi (RMB) has progressed over 15 years, achieving significant milestones, and is now entering a new phase of cautious and steady advancement, particularly influenced by digital economy factors [1][2]. Group 1: Currency Digitalization and RMB Internationalization - Digital currency can enhance cross-border payment systems, improve payment processes, and reduce transaction costs, thereby facilitating RMB internationalization [3][6]. - The People's Bank of China is actively involved in the mBridge project, which aims to innovate cross-border payment systems and enhance the digital currency landscape [6][10]. - Central bank digital currencies (CBDCs) can streamline cross-border payment processes, integrate fund and information flows, and improve payment efficiency, positively impacting the international use of the RMB [6][9]. Group 2: Trade Digitalization and RMB Internationalization - Trade digitalization is expected to optimize trade models, reduce costs, and enhance the international competitiveness of Chinese enterprises, thereby increasing the demand for RMB in international trade [11][12]. - The shift towards digital trade allows for improved negotiation power and currency choice in trade settlements, which can further promote RMB internationalization [13][14]. - Digital trade platforms are emerging, creating a digital ecosystem that supports various cross-border payment scenarios, enhancing the RMB's international usability [15][16]. Group 3: Financial Digitalization and RMB Internationalization - Digital finance, through technological innovation, can change financial product service models, enhance market depth and breadth, and promote low-cost, high-efficiency financial services, increasing the global use of the RMB [17][18]. - The development of digital finance can lower transaction costs and improve transaction efficiency, thereby encouraging the international use of the RMB [19][20]. - Digital finance can also enhance financial inclusivity, providing more accessible financial services to underserved populations, which can expand the RMB's application scenarios [19][20].

Core Insights - China has become an important force in driving global financial transformation [1][2] - The trends of financial modernization include intelligence, greenness, digitalization, and internationalization [1] - The five key areas of focus in China's financial sector are technology finance, green finance, inclusive finance, pension finance, and digital finance [1] Financial Intelligence - Chinese banks, insurance, securities, and fintech companies are actively deploying intelligent customer service systems [1] - Chinese enterprises occupy 6 out of the top 10 global rankings for intelligent customer service patent applications, accounting for 65% of the total applications [1] - Artificial intelligence has been deeply applied in risk control and customer service, with the intelligent customer service replacement rate in financial institutions rising to 70% [1] Financial Digitalization - Financial institutions are accelerating their digital transformation, with a goal to achieve over 85% digitalization rate for major financial institutions by 2027 [1] - The digital finance landscape in China is continuously expanding, covering payment, credit, investment, insurance, and credit reporting [1] - China leads globally in digital payments [1][2] Mobile Payment Market - China is the largest market for mobile payments globally, with over 1 billion users and the highest penetration rate [2] - By 2024, the proportion of personal mobile banking users in China is expected to reach 88%, and 93% of enterprises have opened corporate online banking [2] - The digital yuan pilot has expanded to 17 provinces, with over 80% coverage for salary payments in Xiong'an New Area [2] Internationalization of Finance - Significant progress has been made in the internationalization of Chinese finance, with record high offshore RMB bond issuance [2] - The Guangdong-Hong Kong-Macau Greater Bay Area's cross-border wealth management scheme has achieved a breakthrough in scale [2] - The digital yuan international operation center has officially opened, and the proportion of RMB in cross-border payments is expected to increase further [2]