随着农历新年临近，各类投资理财活动日益活跃，然而伴随而来的，还有非法金融App诈骗案件的高 发。近日，上海市嘉定区发生的一起案件引发关注，当事人季女士在骗子客服反复劝导下，差点按 照"正规证券App"指示，提取50万元现金进行所谓"线下交易"。 此类案件揭示了当前非法金融App的新型套路：先通过仿冒知名券商或银行App制造虚假盈利，诱导投 资者持续充值，再以"账户冻结""对冲认证"等理由要求线下交付现金或实物，形成"线上诈骗、线下送 钱"的模式。 各地监管部门近期纷纷发布风险提示，警示公众警惕非法金融App。业内人士提醒，投资应通过正规渠 道，资金应进入对公账户，凡涉及私人账户或线下交付的行为，几乎可判定为诈骗。 从"假App盈利"到"线下送钱" "只要完成对冲认证，资金马上就能解冻到账。"在骗子客服的反复催促下，家住上海的季女士一度坚 信，自己下载并使用的是一款"正规的证券交易软件"。2025年12月，季女士按照对方要求前往银行提取 50万元现金，准备进行所谓的"线下交易"。所幸，银行柜员察觉异常并及时报警，在警方连续两个多小 时的耐心劝阻下，这笔现金最终没有交到骗子手中。 多地监管密集发声 近期，各地监管 ...

Core Insights - The company, Shuhe Technology, has recently received multiple awards, including the "Annual Digital Intelligence Innovation Practice" award and the "Outstanding Case of Inclusive Finance" award, highlighting its strength in digital innovation and commitment to social responsibility in the financial sector [1][2] Group 1: Awards and Recognition - Shuhe Technology won the "Annual Digital Intelligence Innovation Practice" award at the 2025 8th New Award, recognized for its technological innovation and business empowerment in the financial technology sector [1] - The company also received the "2025 Outstanding Case of Inclusive Finance" award, demonstrating its focus on addressing financing challenges for small and micro enterprises and enhancing personal financial services [2] Group 2: Technological Innovation and Impact - Shuhe Technology has developed a proprietary app, "Haobei," which utilizes precise algorithm models to assess credit status and customize credit processes for 20 different industries, aiding over one million small and micro enterprises with more than 100 billion yuan in credit funding [2] - The company has successfully implemented private deployment of leading general large models, breaking external technology dependence and enabling precise adaptation of large model technology to credit business scenarios [1] Group 3: Social Responsibility Initiatives - The "Shu-Dun Plan" launched by Shuhe Technology aims to enhance public awareness of fraud prevention through community media, reaching various demographics and promoting financial literacy [2] - The "Beautiful Echo" public welfare initiative focuses on a holistic approach to social responsibility, including emotional resonance, material support, and spiritual empowerment, exemplified by the establishment of a "Rural Psychological Classroom" in Yunnan [3] Group 4: Future Outlook - Shuhe Technology plans to continue leveraging technological innovation to deepen the integration of AI tools with financial services, expanding the boundaries of inclusive finance while adhering to its commitment to social good [3]

来源：财报星球 一次"财富黑卡"权益升级，让支付宝面临百万富翁流失危机。 2026年第一天，支付宝官宣"财富黑卡"权益升级。主要升级内容为：新增黑曜卡S1（门槛300万）和S2 （门槛600万），V3用户降为"财富黑卡"中档用户。 在本次权益升级之前，"财富黑卡"V3用户每月可直接领取8.8元话费红包、星巴克咖啡券、100元加油券 等价值约150元的固定权益。权益升级之后，上述"财富黑卡"V3用户原本可以每月直接领取的固定权 益，变成需要按等级发放V钻，再通过V钻兑换。 | 一每月1日系统将根据上一自然月最后一天的财富黑卡等级发放 | | | | --- | --- | --- | | 相应数量的黑卡V钻。各财富黑卡等级相应黑卡V钻可领取数量 | | | | 如下: | | | | 黑卡等级 | 近30天日均资产 | 每月1日可领取黑卡V钻数量(个) | | 咖赢黑卡 VI | 30万(含)-50万 | 160 | | 则富黒卡 V2 | 50万(含)-100万 | 560 | | 則富黑卡 V3 | 100万(含)-300万 | 1560 | | 则喜黑耀卡 51 | 300万(含)-600万 | 6860 ...

Core Insights - The digital RMB is expanding its application in "green finance" by launching a "Carbon Inclusive" mini-program in the digital RMB app, initially available in Shanghai [1] - Users can accumulate carbon credits for their low-carbon activities, which can be exchanged for digital RMB, incentivizing environmentally friendly behavior [1][6] - The program integrates with major platforms like Metro, Hello Chuxing, and T3 Chuxing to automatically track users' low-carbon actions and credit their accounts [1] Group 1: Digital RMB and Carbon Inclusive Program - The digital RMB management center is coordinating with business operators to create innovative applications in the carbon inclusive sector [1] - The "Carbon Inclusive" service allows users to convert their carbon credits from activities such as public transport and bike-sharing into digital RMB [1][6] - The program aims to encourage public participation in low-carbon behaviors by quantifying their actions into carbon credits [1] Group 2: User Engagement and Functionality - To activate the "Carbon Inclusive" service, users must open the digital RMB app, navigate to the service page, and bind their accounts with participating platforms [3] - Carbon credits can be exchanged for digital RMB, with a conversion rate of 1 digital RMB for every 1250 grams of carbon credits [10] - Users must upgrade to a real-name digital RMB wallet to successfully redeem their carbon credits for digital currency [10]

行业点评 | 计算机 数字人民币开启 2.0 时代：从 M0 向 M1 升维，生态繁荣可期 证券研究报告 2026 年 01 月 08 日 事件：人民网报道，新一代数字人民币计量框架、管理体系、运行机制和生 态体系于 2026 年 1 月 1 日正式启动实施。在总结十年研发试点经验基础上， 中国人民银行出台了《关于进一步加强数字人民币管理服务体系和相关金融 基础设施建设的行动方案》（以下简称《行动方案》），从机制上明确了数字 人民币将从现金型 1.0 版进入存款货币型数字人民币 2.0 版。 数字人民币由 M0 向 M1 升维，实现了货币属性、管理模式、基础设施、激 励机制的多重升级。《行动方案》明确，银行机构为客户实名数字人民币钱 包余额计付利息，遵守存款利率定价自律约定。银行可以对数字人民币钱包 余额自主开展资产负债经营管理，由存款保险依法提供与存款同等的安全保 障。对非银行支付机构而言，数字人民币保证金与非银行支付机构客户备付 金无差异。为进一步明确运营机构责任和权利对称关系，行动方案还规范了 数字人民币计量框架，将银行类数字人民币业务运营机构的数字人民币纳入 准备金制度框架管理，其开立的数字人民币钱包 ...

Group 1 - SoftBank Group plans to invest in OpenAI through its second fund starting September 2024, with an additional investment of $22.5 billion expected in 2025 [2][3] - The second fund's investment targets have increased from 157 companies to 279 over four years, with AI-related investments in the corporate services sector rising from 35 to 84 companies [3] - The total size of the second fund has been expanded from $67.8 billion to $101.8 billion, reflecting a strategic shift towards AI investments [3] Group 2 - OpenAI's valuation is projected to grow significantly, from $150 billion in September 2024 to $500 billion by October 2025, with a potential IPO in 2026 that could reach a valuation of $1 trillion [3] - The second fund primarily invests in unlisted AI companies, with Databricks expected to become a "Hectocorn" valued over $100 billion [5] - Among the IPOs in 2025, three fintech companies have performed poorly, with significant losses reported, highlighting the challenges faced by the fund [6] Group 3 - PayPay, a major smartphone payment company, is expected to go public in 2026, which could be crucial for SoftBank's second fund amid ongoing funding needs for AI investments [6]

Group 1 - SoftBank Group plans to invest in OpenAI through its second fund starting September 2024, with an additional investment of $22.5 billion expected in 2025, indicating strong confidence in OpenAI's future IPO and valuation growth [2][5]. - The second fund's investment targets have increased significantly, with the number of companies rising from 157 to 279 over four years, particularly in the AI sector, which grew from 35 to 84 companies [3]. - The total investment scale of the second fund has been expanded from $67.8 billion to $101.8 billion, reflecting a strategic shift towards AI investments [5]. Group 2 - OpenAI's valuation has seen dramatic growth, increasing from $150 billion in September 2024 to $500 billion by October 2025, marking over a threefold increase within a year [5]. - The second fund primarily invests in unlisted AI companies, with notable mentions including Databricks, which is expected to achieve a valuation exceeding $100 billion, and Wiz, acquired by Google for $32 billion [8]. - The performance of IPOs in 2025 has been disappointing, with companies like eToro, Chime, and Klarna reporting significant losses, highlighting the challenges faced by SoftBank's investments in the fintech sector [9]. Group 3 - PayPay, a major smartphone payment company in which the second fund holds a 34% stake, is expected to file for an IPO in the U.S. by 2026, which could be crucial for SoftBank's financial recovery and its AI investment strategy [9].

| 股票代码 | 股票简称 | 涨跌幅 | 权重 | | --- | --- | --- | --- | | 300033 | 同花顺 | -3.18% | 10.63% | | 300059 | 东方财富 | -1.67% | 9.94% | | 300803 | 指南针 | -3.15% | 7.97% | | 600570 | 恒生电子 | -0.42% | 6.94% | | 300339 | 润和软件 | 1.50% | 6.41% | | 002065 | 东华软件 | 0.42% | 3.21% | | 300085 | 银之杰 | -1.81% | 2.94% | | 000997 | 新大陆 | -0.44% | 2.84% | | 002152 | 广电运通 | -0.52% | 2.29% | | e01519 | 大智慧 | -3.31% | 2.15% | 2026年1月8日，三大指数集体走低，大金融板块延续调整，截至9:42，金融科技ETF华夏(516100)下跌1.39%，其持仓股跌多涨少，仅润和软件、博睿数据、 普元信息等股小幅飘红；星环科技、税友股份、大智慧等股纷纷回撤。 资 ...

Group 1: Artificial Intelligence and Manufacturing - The Ministry of Industry and Information Technology and seven other departments issued an implementation opinion for the "AI + Manufacturing" initiative, aiming for secure and reliable supply of key AI technologies by 2027, with the industry scale and empowerment level remaining among the world's top [2] - The initiative plans to promote 3-5 general large models in deep applications within the manufacturing sector, create 100 high-quality datasets in industrial fields, and promote 500 typical application scenarios [2] Group 2: Regulatory Changes in E-commerce - The State Administration for Market Regulation and the National Internet Information Office jointly released the "Supervision and Management Measures for Online Trading Platforms," prohibiting unreasonable restrictions on operators' activities and the use of big data for price discrimination [3] Group 3: Company Responses and Developments - Xiaomi CEO Lei Jun addressed the controversy regarding the claim of traveling 1300 kilometers on a single charge, stating that misinformation spread by "water armies" misrepresented his statements [4] - He emphasized that the information was clear in previous communications, but was taken out of context [4] - NIO's CEO Li Bin mentioned that rising memory prices pose cost pressures for the automotive industry, suggesting consumers consider purchasing vehicles sooner [11] Group 4: Market Movements and Company Strategies - IKEA China announced the closure of seven stores and plans to open over ten small-format stores, shifting focus to precision market development in key cities like Beijing and Shenzhen [7] - ByteDance denied rumors of entering the automotive industry, clarifying that there are no plans for car manufacturing [7] - Google surpassed Apple in market capitalization for the first time since 2019, with a market cap of $3.88 trillion compared to Apple's $3.84 trillion, highlighting a divergence in AI strategies between the two companies [11] Group 5: Employee Compensation Trends - Major companies, including JD and ByteDance, have initiated salary increases and bonus enhancements, with JD reporting that 92% of employees received full or excess year-end bonuses, and ByteDance increasing its bonus investment by 35% [13]

Group 1 - China's foreign exchange reserves reached a ten-year high of $33,579 billion, increasing by $11.5 billion from the previous month, while gold reserves rose for the 14th consecutive month to 7.415 million ounces, up by 30,000 ounces [3] - The Ministry of Industry and Information Technology and seven other departments issued the "Implementation Opinions on the Special Action of 'Artificial Intelligence + Manufacturing'," aiming for key AI technologies to achieve safe and reliable supply by 2027 [4] - The State-owned Assets Supervision and Administration Commission emphasized the need to plan and implement major projects and iconic projects to boost traditional industries and cultivate emerging industries [4] Group 2 - The A-share market saw a slight increase, with the Shanghai Composite Index rising 0.05% to 4,085.77 points, marking a record 14 consecutive days of gains [5] - The Hong Kong stock market experienced a decline, with the Hang Seng Index falling 0.94% to 26,458.95 points, while tech stocks mostly retreated [5] - Goldman Sachs projected a 20% increase in the MSCI China Index and a 12% increase in the CSI 300 Index by 2026, maintaining an overweight rating on A-shares and H-shares [5] Group 3 - The China Insurance Industry Association reported that Ping An Life increased its stake in Agricultural Bank of China H-shares to 20%, triggering a fourth stake increase [6] - The China Securities Regulatory Commission announced that Super Fusion Digital Technology Co., Ltd. has initiated its listing guidance, with sales revenue expected to exceed 40 billion yuan in 2024 [6] - A well-known VC firm, Qiming Venture Partners, officially acquired a stake in Tianmai Technology, completing the transfer of 17.75 million shares [6] Group 4 - The logistics industry in China showed a recovery, with the logistics industry prosperity index rising to 52.4% in December 2025, up 1.5 percentage points from the previous month [10] - The retail sales of passenger cars in December 2025 reached 2.296 million units, a year-on-year decrease of 13%, while the new energy vehicle market saw a retail increase of 7% [10] - The express delivery business in China generated revenues of 1.5 trillion yuan and handled 199 billion packages in 2025, with a year-on-year growth of 6.5% and 13.7% respectively [11]