转自：新华财经 政策与平台协同 构建普惠促消费新机制 今年9月1日，国家消费贷款贴息政策在京东平台正式上线，以"国家贴息"标识直观呈现。用户在京东购 买带有此标识的商品，使用京东白条支付，可享受合作金融机构提供的利息补贴，补贴金额在付款时自 动扣减，无需任何额外操作。活动规则显示，单笔消费5万元以下最高可享1%的年贴息比例，5万元以 上最高贴息500元，单个用户累计贴息额度最高达3000元。 更具特色的是，京东将"国家贴息"与平台既有的"国家补贴"、"白条分期免息"等多重优惠打通，形成 了"政策红利+平台让利"的叠加效应。京东科技白条产品相关负责人表示，"我们希望消费者既能享受消 费贴息，又能拿到政策补贴、享受白条免息，实现'更方便、更划算'的双重体验。我们的目标是改变用 户'补贴只是一时促销'的认知，把优惠变成可持续的普惠服务。" 多位行业观察人士指出，这种"政策引导、平台承接、生态协同"的模式，使得宏观政策能够通过大型互 联网平台的技术与场景优势，得以高效、精准、无感地触达亿级消费者。截至目前，"国家贴息"已覆盖 京东商城超过90%的商品，初步实现了政策广覆盖与消费便利性的统一。 分析认为，中央经济工作会 ...

Core Insights - Uquid's latest data shows a 64% increase in real product order volume on its iOS platform, driven by the USDT stablecoin issued by TRON, indicating strong momentum in digital payments and the effectiveness of Sun Yuchen's strategy to integrate blockchain technology into the real economy [1][3]. Group 1: TRON's Technological Advancements - TRON's adoption of the DPoS consensus mechanism allows for thousands of transactions per second, significantly reducing transaction confirmation times to seconds, enhancing user experience comparable to traditional electronic payments [3]. - The TRON ecosystem has developed a comprehensive payment network covering digital goods, physical consumption, and cross-border remittances, evidenced by the 64% growth in Uquid's iOS orders [3]. Group 2: Strategic Partnerships and Collaborations - TRON's growth is supported by open collaborations with industry leaders, enabling asset interoperability with mainstream blockchains like Solana and strategic partnerships with major companies such as Mercado Libre and MTN [4]. - These collaborations have successfully integrated on-chain payments into localized business scenarios, expanding TRON's business boundaries [4]. Group 3: Market Penetration and Internationalization - TRON's low-cost and high-efficiency characteristics align well with the financial inclusion needs in emerging markets, with stablecoin transactions exceeding 50% in regions like Latin America, Africa, and parts of Asia [6]. - This popularity highlights TRON's significant presence and acceptance in these markets [6]. Group 4: Future Outlook - As TRON's payment ecosystem matures, its commercial value is evolving from a blockchain platform to a next-generation financial infrastructure, positioning it as a key player in global digital finance and technological innovation [7].

九方智投控股荣获2025"上证鹰·价值成长企业"奖 12月7日，由中国上市公司协会指导、上海证券报·中国证券网主办的2025上证（巢湖）上市公司高质量 发展大会在安徽合肥召开。本届大会以"资本赋能科创 产业引领未来"为主题，来自地方政府、监管部 门、上市公司、优强企业、金融机构和高校院所等领域逾1200位嘉宾参会，共同谋划上市公司高质量发 展的新蓝图。 九方智投控股（9636.HK）受邀出席本届上市公司高质量发展大会，并在2025"上证鹰·金质量"颁奖环节 凭借资本市场的卓越表现荣膺"价值成长企业"殊荣。 多方聚力，助力建设经济高质量发展生态 在中国经济迈向高质量发展新阶段的关键时期，优秀上市公司作为中国经济发展的增长"压舱石"、产 业"领头羊"，肩负着培育新质生产力、驱动产业升级的时代使命。 作为中国资本市场的年度权威盛会之一，大会伊始，安徽省省长王清宪，新华社副总编辑任卫东，中国 科学技术大学党委常委、副校长傅尧，以及来自上海证券交易所、深圳证券交易所和北京证券交易所三 大交易所的领导分别上台作开幕致辞，传递了来自政府、行业及交易所的权威声音。 随后，上海交通大学上海高级金融学院创院理事长屠光绍、新开发银 ...

数字人民币的推广对金融普惠具有重要意义。对于偏远地区居民、老年人等群体，数字人民币提供了更便捷的金融服务渠道。 通过智能合约功能，数字人民币还能实现定向支付、条件支付等创新应用，在财政补贴、消费券发放等领域展现出独特价值。 在跨境支付方面，数字人民币也有望为人民币国际化提供新的技术支撑。 从试点情况来看，数字人民币的接受度正在逐步提高。各大银行纷纷推出数字人民币钱包，商户受理环境持续改善。用户可以 通过数字人民币APP轻松开立钱包，并支持绑定银行账户进行充值。部分试点地区还推出了数字人民币红包活动，让用户体验 这种新型支付方式的便利。 展望未来，数字人民币的发展将是一个渐进的过程。它不会取代现有支付工具，而是形成有益补充，共同构建多元化的支付体 系。随着技术不断成熟和应用场景持续拓展，数字人民币有望在促进金融创新、提升支付效率、保障金融安全等方面发挥更大 作用，为数字经济时代提供更加优质的金融服务。作为普通用户，不妨尝试使用数字人民币，感受数字金融带来的新体验。 随着数字人民币试点范围逐步扩大，越来越多的人开始接触这种新型支付方式。作为一种由国家信用背书的数字法定货币，数 字人民币正在悄然改变我们的支付习惯。 ...

Core Viewpoint - The 14th "Shanghai Financial Professionals" award ceremony will be held soon in Shanghai, where Jiufang Zhitu Holdings (9636.HK) will showcase its latest intelligent investment advisory products and participate in thematic forums, highlighting its commitment to the annual event [1][4]. Group 1: Company Initiatives - Jiufang Zhitu Holdings has been invited to participate in the event for five consecutive years, demonstrating its established presence in the financial sector [1]. - The company will set up a special exhibition area at the event, showcasing products such as AI stock machines and other financial technology services, aimed at bridging the information, knowledge, and cognitive gaps between individual investors and professional institutions [3]. - Jiufang Zhitu's General Manager Cheng Wei will engage in discussions with academic experts and industry leaders on topics related to financial technology and its role in building an international financial center [3]. Group 2: Industry Impact - The "Shanghai Financial Professionals" event serves as a cultural symbol for the construction of Shanghai as an international financial center, aligning with national financial development strategies [3]. - Jiufang Zhitu Holdings aims to enhance its brand positioning to match the status of Shanghai as an international financial center, focusing on innovation and user-centered service experiences [3]. - The company emphasizes the core spirit of "technology empowering financial inclusivity," striving to translate this concept into practical applications [3].

Core Insights - Origin is revolutionizing the investment landscape by democratizing finance, allowing individuals to invest with as little as $1, contrasting sharply with traditional financial barriers [1][3] - The platform has achieved significant user engagement, with over 1.6 million addresses participating, 82% of which are ordinary investors, and a monthly growth rate of 15% [3][5] - Origin operates with a high level of transparency, having published operational data for 269 consecutive days, including key metrics such as treasury assets and staking rates [5][7] - The project has successfully integrated digital assets into everyday life through products like VISA cards and Wbekey phones, expanding its ecosystem and user engagement [7] Investment Accessibility - The minimum investment threshold is set at $1, enabling 82% of ordinary investors to access global quality assets for the first time [3] - The user-friendly interface allows even those unfamiliar with blockchain technology to complete their first investment in an average of 7 minutes [3] Operational Transparency - Origin has maintained a "glass house" operational model, providing daily updates on critical metrics, with a current staking rate of 86% [5] - The treasury assets amount to $446 million, supporting the system's stability and reflecting investor confidence [5] Ecosystem Expansion - The platform is building a comprehensive financial service system covering payments, lending, and trading, with 3-5 new application scenarios added monthly [7] - User activity has shown a 20% month-over-month growth, indicating a robust and expanding user base [7]

Core Viewpoint - The UAE Ministry of Finance has launched a "Retail Sukuk" program allowing individuals to invest in government-backed Islamic bonds (T-Sukuk) through digital banking platforms, with a minimum investment of 4,000 dirhams [1] Group 1 - The initiative reflects the spirit of financial inclusivity and social welfare, aiming to enhance citizen participation in the national financial system [1] - The program is designed to support sustainable development and promote a culture of long-term savings among the public [1]

Group 1: Investment and Strategic Moves - Tether has made a strategic investment in Kenyan crypto startup Kotani Pay to promote financial inclusion and expand its reach in Africa [1][3][4] - Tether CEO Paolo Ardoino emphasized the importance of blockchain technology in unlocking financial freedom and supporting Kotani Pay's vision for a more inclusive financial future [4][5] Group 2: Regulatory Developments - Nigeria's central bank is forming a working group to explore a framework for stablecoins, indicating a significant regulatory shift in the country's approach to cryptocurrency [6][7] - The central bank's collaboration with the Ministry of Finance marks a potential turning point in Nigeria's historically complex relationship with the crypto sector [6][7] Group 3: Market Trends - Preliminary data indicates that Nvidia is the most popular stock on Luno Exchange's tokenized stock options, reflecting a growing interest in tokenized stocks among African investors [2]

Core Viewpoint - The UAE Ministry of Finance has launched a "Retail Sukuk" program, allowing citizens and residents to invest in government-backed T-Sukuk through digital platforms, aiming to enhance financial inclusion and community engagement [1][2] Group 1: Program Details - The "Retail Sukuk" program allows investments starting from a minimum of 4,000 dirhams [1] - The initiative is designed to provide a safe and convenient way for individuals to engage in Sharia-compliant investments [1] - The program aligns with the UAE's "Year of Community," emphasizing values of unity and contribution [1] Group 2: Investment Features - The Retail Sukuk is linked to existing government T-Sukuk, offering the same sovereign-backed asset security as large institutional investors [2] - Investments will be facilitated through participating banks, with the first bank to be announced on November 3 [2] - This initiative provides individual investors with diversified investment channels and stable government-supported financial tools [2] Group 3: Strategic Goals - The program aims to empower communities and support national development by transforming government bond investments into a digital and accessible experience [1] - It is expected to foster a culture of long-term savings and ensure the sustainability of financial resources in the UAE [1]

Core Insights - The interview with Martin Chorzempa highlights the evolution of China's digital finance and the implications of central bank digital currencies (CBDC) in the context of a global "new order" [1] Group 1: Digital Finance Development - The transition from a cash-dominated payment system to a cashless society in China, led by platforms like Alipay and WeChat Pay, has significantly reshaped daily consumption and accelerated financial inclusion [3] - Following the publication of Chorzempa's book, the pace of innovation in China's fintech sector has slowed due to a shift in policy focus from encouraging private sector innovation to emphasizing risk control and regulatory coordination [3] - The People's Bank of China's (PBOC) promotion of the digital currency (ECNY) is strategically significant but has yet to establish a widely adopted ecosystem [3] Group 2: Global Monetary Policy Trends - The demand for renminbi borrowing is increasing, although its influence in international financial markets remains limited compared to the US dollar [4] - The trajectory of US monetary and tariff policies will continue to influence global capital flow patterns [4] - The current state of international relations is characterized by chaos rather than order, with traditional multilateral institutions losing some influence [5] Group 3: Future Global Cooperation - A true "new order" has not yet emerged, but cooperation and openness at the intersection of multipolarity, digitalization, and green initiatives are seen as the only sustainable paths forward [5] - Both China and the broader global community need to seek common ground amid uncertainty [5]