Core Viewpoint - The recent appointment of compliance officers in various insurance companies, including Bai Feipeng at China Insurance, reflects a response to regulatory requirements and signifies a shift from "passive compliance" to "active governance" in the insurance industry, aiming to strengthen risk management for high-quality development [1][3]. Group 1: Regulatory Changes - The Financial Regulatory Bureau issued the "Compliance Management Measures" which will take effect on March 1, 2025, mandating financial institutions to establish a Chief Compliance Officer (CCO) at their headquarters [3][5]. - The CCO is a senior management position directly reporting to the board and is responsible for compliance management, with a one-year transition period provided for implementation [3][5]. Group 2: Appointment Trends - Several insurance companies have recently appointed CCOs, including Bai Feipeng at China Insurance, Wang Zhu at Guobao Life, and Miao Lianguang at Guohua Xingyi Insurance Asset Management [1][4]. - Some companies have chosen to appoint existing senior management as CCOs, while others have recruited new executives for the role [4]. Group 3: Compliance Management Evolution - The establishment of CCO positions is seen as a restructuring of internal governance and risk management systems within insurance companies [5]. - The CCO role is expected to enhance compliance management by creating a vertical compliance management system, clarifying compliance responsibilities, and embedding compliance throughout business processes [5][6]. Group 4: Challenges in Implementation - Despite the potential benefits, the implementation of the CCO role faces challenges, including resistance from business departments and the need for clear authority and resource allocation [5][6]. - The insurance sector's diverse operations create numerous compliance risk points, complicating the effective coverage of compliance management [5][6]. Group 5: Talent and Development Needs - There is a shortage of qualified professionals who possess the necessary expertise in finance, law, and risk management, particularly in smaller insurance companies [6]. - To address these challenges, insurance companies need to develop a comprehensive approach involving institutional support, talent cultivation, technological empowerment, and cultural integration to ensure the effective implementation of the CCO role [6].

融资渠道持续拓宽，资本工具日益多元。"十四五"时期直接融资年均复合增长率达22.40%，实现ABS发行"零突 破"和科创公司债券备案获批。私募基金规模稳步增长，截至2025年三季度，在管基金规模达2609.71亿元。"格桑 花行动"等政策举措精准发力，培育多家拟上市企业。 风险防控筑牢安全防线，市场生态持续净化。监管部门坚持"零容忍"，查办多起违法违规案件，积极稳妥化解上 市公司风险。"十四五"时期，西藏无退市公司，无重大退市风险企业，也是全国为数不多的公司债券"零违约"省份 之一。 "十五五"西藏资本市场将聚焦创新驱动、产业升级与风险防控三大核心，推进上市公司走访全覆盖，加快优势产 业企业培育。依托并购重组与研发投入，推动医药、有色金属等产业向高端化、绿色化转型，持续完善投资者回 报机制，以资本赋能西藏经济高质量发展，让雪域高原的特色产业"格桑花"竞相怒放。（全文详见A3版） 证券时报记者 唐强 "十四五"时期，西藏资本市场在服务地方经济高质量发展中交出亮眼答卷，为"十五五"持续增长筑牢根基。面向新 征程，西藏资本市场继续以资本为纽带，连接创新与实体，续写高质量发展新篇章。 "十四五"时期，西藏上市公司实现 ...

作为服务地方经济的重要金融力量，南通农商银行紧紧围绕"防控风险是金融工作永恒主题"的核心要 求，从瑕疵不良贷款管控、信贷基础管理夯实、全面风险管理提升三大维度精准发力，构建全方位、多 层次的风险防控体系，为实现高质量发展筑牢安全防线。 在化解风险贷款方面，该行强化个人贷款存续期管理，开展贷后定检；推进千万以下正常关注类贷款网 格化属地平移，并优化"增持减退"策略。通过"一户一策"分析、动态管理风险贷款，并对借新还旧贷款 提前摸排，制定针对性盘活清收方案。 在夯实信贷管理方面，该行精准识别中高风险客户，完成个人住房压力测试阶段工作。针对《检察建议 书》指出的问题，优化贷款用信用环节管理，密切关注借款人及担保能力变化，确保审批规范、风险可 控。 在全面风险管理方面，该行启动年度风险偏好与限额调整前期工作，强化资金业务派驻管理，组织相关 人员参加专项考试。同时，严格审核代销理财、保险产品，防范跨业务风险传染。 南通农商银行通过"精准化+网格化+差异化"防控矩阵，推动风险管控从被动处置转向主动预防。未 来，该行将继续强化风险意识、完善机制、提升技防能力，在服务实体经济与防范金融风险中寻求最佳 平衡，实现质量、效益与安 ...

本次培训特邀律师陈天逸开展专题讲座。陈律师结合近期专项整治中的典型案例，从法律专业视角深入 剖析相关行为的涉嫌罪名定性、潜在法律风险，并针对性提出应对建议，直观且深刻地阐释了合规管理 对体彩行业健康发展的意义，为专管员开展合规监管、防范法律风险提供了专业指导。本次培训精准聚 焦基层队伍建设和实体店规范管理这两大关键方向，有效提升了基层专管员的风险防控能力与合规管理 水平。彩彩 培训紧扣"筑牢合规防线，提升风控能力"主题，围绕"体彩实体店风险事件处置与合规管理"关键议题精 准发力。聚焦体彩市场四类信息来源的风险问题，通过"梳理典型风险场景+拆解处置关键流程+复盘研 讨风险事件"的递进式培训模式，深入剖析风险成因。强化专管员对规范化管理流程的认知，引导其树 立"事前预防、事中处置、事后复盘"的全链条风控思维，助力其掌握精细化运营中的风险防控要点，切 实提升风险事件处置的规范性、实效性与专业能力。 近日，江西省体彩中心围绕"风险防控、安全合规"核心主线，举办了全省基层专管员风险防控及责任彩 票专题培训。 为强化警示效果，培训结合当前体彩市场专项整治重点，针对性开展典型案例警示教育。围绕近期总局 体彩中心下发的《体育 ...

Core Viewpoint - The establishment of the Hainan Free Trade Port (FTP) marks a significant transition from policy pilot to institutional arrangement, presenting both opportunities and challenges for development, with a general consensus that opportunities outweigh challenges [1]. Group 1: Development Strategy - The Hainan FTP aims to achieve a "good start" in its first year of operation post-closure, focusing on the effective implementation of policies and attracting global quality resources [2]. - A modern industrial system will be constructed to enhance the synergistic effects of the FTP's operations, promoting the development of key industries and high-value manufacturing [2]. - The strategy includes expanding effective demand to leverage China's large market, integrating various policies to stimulate consumption and investment, and fostering a virtuous cycle [2]. Group 2: Open Economy and Reforms - High-level openness will be expanded to contribute to the national development framework, with initiatives aimed at meeting new demands from regional industrial upgrades [3]. - Key reforms will be implemented to create a first-class business environment, focusing on state-owned enterprises, financial systems, and optimizing mechanisms for business engagement [3][4]. - Urban-rural integration and regional collaboration will be promoted, enhancing new urbanization and rural revitalization efforts [3]. Group 3: Social and Environmental Focus - Measures will be taken to ensure social welfare, including employment initiatives, education services, healthcare improvements, and social support systems [4]. - Environmental protection will be prioritized, with strict oversight on ecological conservation and the implementation of national ecological civilization projects [4]. Group 4: Commitment to High-Quality Development - The Hainan FTP will embody a spirit of innovation and determination, aiming for high-quality development and a proactive approach to challenges in the upcoming year [5].

Core Insights - The Hainan Provincial Economic Work Conference emphasized the importance of implementing the spirit of the Central Economic Work Conference and the significant speeches by General Secretary Xi Jinping, focusing on economic work for 2026 and beyond [1][2] Group 1: Economic Development Goals - 2025 is highlighted as a milestone year for Hainan's development, with a focus on high-quality economic growth and the successful operation of the Hainan Free Trade Port [2] - The overall requirement for economic work in the coming year is to adhere to Xi Jinping's thoughts, implement the new development concept, and promote high-quality development while ensuring stability [3] Group 2: Free Trade Port Construction - The conference called for solid progress in the construction of the Free Trade Port, aiming for a successful first year of operation and the effective implementation of closure policies [4] - Emphasis was placed on optimizing regulatory models and ensuring smooth operations while prioritizing risk prevention [4] Group 3: Industrial and Economic Strategies - The need to build a modern industrial system that enhances the collaborative effects of the Free Trade Port's operations was stressed, with a focus on developing key industries and fostering innovation [4] - Strategies to expand effective demand and enhance domestic consumption were outlined, including initiatives to boost tourism and improve the investment environment [4] Group 4: Social and Environmental Initiatives - The conference highlighted the importance of ecological civilization and environmental protection, with plans for sustainable development and green transformation [5] - Measures to enhance public welfare, including employment, education, healthcare, and social security, were discussed to improve the quality of life for residents [5] Group 5: Governance and Leadership - The need for strong leadership in economic work was emphasized, with a call to implement the decisions of the Central Committee and improve the capabilities of the workforce [6] - The conference also focused on promoting integrity and accountability within governance structures to ensure effective implementation of policies [6]

培育中国特色金融文化是中小银行固本培元、实现高质量发展的"软实力"。严格遵循法律法规、监管规 范，确保所有经营管理活动都有章可循、依章而行。以信用为基础，坚持契约精神，恪守职业操守和市 场规则。坚守服务实体经济的初心和本源，持续打造有温度、有情怀、有品质的金融服务。努力实现业 务规模增长与风险管控能力相匹配，推动金融创新行稳致远。 （作者系福建海峡银行党委书记、董事长） （文章来源：经济日报） 健全有效的公司治理是中小银行稳健经营和高质量发展的重要保障。深化金融机构党建与公司治理有机 融合，把党的领导落实到决策、执行、监督各环节。持续优化法人治理结构，清晰界定党委会、董事 会、高级管理层的职责边界与决策权限，通过制定清晰的"权责清单"和"运行规则"，推动形成权责法 定、权责透明、协调运转、有效制衡的治理机制。全面应用数字化、智能化手段赋能企业内控管理提质 增效。 差异化、特色化是中小银行在严峻复杂环境下实现高质量发展的内在要求和必然选择。坚定融入属地发 展大局，紧密结合当地产业特色与自身资源禀赋，深刻理解区域经济的独特性和客户需求的多样性，锚 定特色化经营方向，深耕细作属地特色领域客群。紧跟国家战略部署，在做 ...

童继生 从世界经济格局来看，企业出海是顺应趋势的明智之举。童继生坦言，他的足迹遍布近160个国家，清 晰感受到世界经济格局已从欧美主导转向欧美与发展中国家共同崛起，市场格局已从单一欧美消费扩展 为欧美与新兴市场共同消费，生产格局也从放射性中心论升级为区块论与系统论。在这样的变化下，中 国企业在共建"一带一路"等新兴市场具有显著优势，出海恰逢其时。 前行：风险防控与能力升级的双重保障 中国外经贸企业协会会长童继生： 企业出海恰逢其时 锚定风险防控与核心能力升级 ◎记者 杨翔菲 12月26日，在2025上证（无锡）新质生产力研讨会暨第七届上证最佳分析师评选颁奖仪式上，中国对外 贸易经济合作企业协会（简称"中国外经贸企业协会"）会长童继生以《中国企业应如何出海》为题进行 主旨演讲。他结合带领企业出海经历与行业实践，深入剖析中国企业出海的必然逻辑与风险防控路径， 为广大企业走向全球提供了极具实战价值的参考。 出海：做强做大的必然选择 "中国企业做强需历经地方强企、国内强企、跨国强企三个阶段，而出海正是迈向跨国强企的关键一 步。"童继生开篇点明出海对于企业升级的重要意义，并用"无锡没锡但有金"的比喻，引出中国企业在 当 ...

其二，以数字技术赋能，降低信贷成本与门槛。依托股东背景，小米消金将传统信贷业务与现代数字技术深度融合，实 现"秒贷"。曹子玮强调，技术赋能不仅提升了时间效率，服务效率，更大幅降低了信贷成本，让技术能够真正介入到老百 姓日常生活服务上。 12月26日，由金融界主办、宁波银行支持、清华大学经济管理学院中国金融研究中心提供学术支持的"启航·2025银行业高质 量发展年会"在北京成功举办。本次年会以"凝心启新，聚力致远"为主题，汇聚监管专家、学界精英、行业领袖及科技企业 代表，围绕服务实体经济、数字化转型、AI+金融创新、风险防控等议题展开深度讨论，为银行业高质量发展建言献策。 小米消费金融党委书记、总裁曹子玮在年会上，围绕金融机构错位发展这一核心议题，结合小米消金五年多的实践经验， 分享了深刻见解。他提出，金融机构错位发展可从宏观、中观、微观三个层面推进，其中微观领域的错位经营更具实操性 与现实意义，更是破解行业同质化难题、践行普惠金融的关键路径。 曹子玮直指当前金融行业存在的三大痛点：一是机构同质性过高，易加剧市场助涨助跌，系统性风险或收益占比偏大；二 是同质化竞争导致服务空白，大量社会人群被机构"看不见、不愿看 ...

本报海口12月27日讯(海南日报全媒体记者李磊)12月27日，省委经济工作会议在海口召开，全面贯彻中 央经济工作会议精神和习近平总书记在听取海南自由贸易港建设工作汇报时的重要讲话精神，总结2025 年全省经济工作，研究部署2026年经济工作。省委书记冯飞，省委副书记、省长刘小明讲话。省政协主 席李荣灿，省委副书记、政法委书记杨晋柏等现职省级领导出席。 会议要求，要扎实推进自由贸易港建设，实现封关首年"开门红"，优化"一线""二线"监管模式，以更大 力度推动封关政策全面精准落地见效，积极争取滚动出台更多增量政策，始终把风险防控放在前提位 置，全力确保封关运作平稳高效。要扎实推进现代化产业体系构建，增强封关运作的产业协同效应，集 群化发展四大主导产业，打造"五向图强"特色产业链，加强创新场景培育建设，积极融入国家科技创新 体系，布局建设生物制造、氢能、脑机接口、具身智能等未来产业技术创新平台，深化科技体制改革， 高标准实施"百万英才兴海南"行动计划，完善国际科技人才政策体系，梯次布局发展现代化产业体系。 要扎实扩大有效需求，增强内需拉动经济增长的主引擎作用，深入实施提振消费专项行动，扩大优质商 品和服务进口与供给 ...