金融界8月15日消息，有投资者在互动平台向*ST汇科提问：为什么成为*ST了，请告知原因 谢谢！ 公司回答表示：尊敬的投资者您好！公司 2024 年经审计的利润总额、净利润、扣除非经常性损益后的 净利润均为负值，且扣除后的营业收入低于 1 亿元，根据《深圳证券交易所创业板股票上市规则》第 10.3.1 条第（一）项的规定，公司股票交易被深圳证券交易所实施退市风险警示。如公司 2025 年度出 现《深圳证券交易所创业板股票上市规则》第10.3.11 条规定的情形之一的，深圳证券交易所将终止公 司股票上市交易；致同会计师事务所（特殊普通合伙）出具了否定意见的《珠海汇金科技股份有限公司 2024 年度内部控制审计报告》，根据《深圳证券交易所创业板股票上市规则》第 9.4 条第（四）项规 定，公司股票交易被深圳证券交易所叠加实施其他风险警示。由于公司同时触及对股票交易实施退市风 险警示和其他风险警示的情形，根据《深圳证券交易所创业板股票上市规则》第 9.2 条的规定，公司同 时存在退市风险警示和其他风险警示情形的，在公司股票简称前冠以"*ST"字样。敬请广大投资者理性 投资，注意投资风险。感谢您对公司的关注！责任编辑 ...

Core Viewpoint - DLocal's strong Q2 performance led to a significant stock price increase and an upgrade in rating by HSBC, reflecting positive market sentiment and growth potential [1][2]. Financial Performance - DLocal reported Q2 revenue of $256 million, exceeding market expectations by 11% and up from $171 million in the same period last year [1]. - The company's Q2 earnings per share (EPS) were $0.14, surpassing the market average estimate of $0.13, although slightly down from $0.15 in the previous year [1]. - HSBC raised its target price for DLocal to $15, indicating a potential upside of 28.31% from the closing price [1]. Analyst Insights - Analyst Neha Agarwal highlighted DLocal's significant long-term growth potential and recent growth momentum, suggesting the company is on the right track [2]. - HSBC increased its EPS forecasts for DLocal for 2025 to 2027 by 6% to 9%, with a projected gross profit of $396 million for 2025 [2]. - Morgan Stanley maintained a "neutral" rating on DLocal but raised its target price to $15, noting a year-to-date stock price increase of over 25% compared to a 10% rise in the S&P 500 [2].

2025年8月15日，长亮科技(300348.SZ)发布2025年半年度报告。截至2025年8月14日，共有7个机构投资 者披露持有长亮科技A股股份，合计持股量达2687.21万股，占长亮科技总股本的3.31%。其中，机构投 资者包括招商银行股份有限公司-南方中证1000交易型开放式指数证券投资基金、中国建设银行股份有 限公司-华宝中证金融科技主题交易型开放式指数证券投资基金、深圳市腾讯信息技术有限公司、香港 中央结算有限公司、华夏磐益一年定开混合、东方红创新优选定开混合、东方红目标优选定开混合，机 构投资者合计持股比例达3.31%。相较于上一季度，机构持股比例合计下跌了0.48个百分点。 公募基金方面，本期较上一期持股增加的公募基金共计2个，包括南方中证1000ETF、华宝中证金融科 技主题ETF，持股增加占比达0.55%。本期较上一季度持股减少的公募基金共计1个，即华夏磐益一年定 开混合，持股减少占比小幅下跌。本期较上一季度新披露的公募基金共计2个，包括东方红创新优选定 开混合、东方红目标优选定开混合。本期较上一季未再披露的公募基金共计1个，即国融融盛龙头严选 混合A。 外资态度来看，本期较上一季未再披露 ...

Core Insights - Klarna faces profitability pressure due to a significant increase in loan loss provisions ahead of its IPO, with provisions rising 64% year-over-year to $174 million [1] - Despite the increase in provisions, Klarna maintains a low credit loss rate of 1%, which is less than 1% of total transaction volume [1] - The company reported a pre-tax loss of $53 million, widening from a loss of $18 million in the same period last year [1] Financial Performance - Klarna's quarterly revenue grew by 25% year-over-year to $823 million, with adjusted operating profit slightly increasing by $1 million to $29 million [1] - The implementation of AI technology has led to a 46% year-over-year increase in revenue per employee, surpassing $1 million [2] - Klarna has streamlined 40% of its workforce over the past two years as part of its AI efficiency strategy [2] Market Position and Future Plans - Klarna has 111 million active users globally, a 31% increase year-over-year, and partners with 790,000 merchants [2] - The company is considering restarting its IPO plans as early as September, having submitted a confidential listing application to the SEC in March [2] - Klarna has reached an agreement to securitize some new BNPL loans in the U.S. to optimize its capital structure ahead of the IPO [2]

京北方(002987.SZ)今日涨停，换手率17.38%，成交额32.82亿元。龙虎榜数据显示，深股通买入2.03亿元，卖出6246万元，净买入1.41亿元；游资"低位挖 掘"位列买五席位，净买入3165万元。上榜席位全天买入3.84亿元，卖出1.58亿元，合计净买入2.26亿元。(格隆汇) | 序号 | 交易营业部名称 | | | | 买入金额(万) | 占总成交比例 | | --- | --- | --- | --- | --- | --- | --- | | | 深股通专用 | | 551次 46.28% | 2 | 20316.71 | 6.19% | | 2 | 广发证券股份有限公司郑州农业路证券营业部 | 46次 | 47.83% | | 5038.56 | 1.54% | | 3 | 国盛证券有限责任公司杭州建设三路证券营业部 | 14次 | 42.86% | | 4565.68 | 1.39% | | 4 | 中国中金财富证券有限公司广州分公司 | 4次 | 75.00% | | 3316.20 | 1.01% | | 5 | 华鑫证券有限责任公司上海东大名路证券营业部 | 8次 | 75.0 ...

（责任编辑：华青剑） 中国经济网北京8月14日讯 新火科技控股（01611.HK）港股今日收报7.68港元，涨幅18.15%。 ...

Core Insights - Shenzhou Information's new generation of domestic banking core systems has been recognized by multiple banks [1] - The new core system projects for Urumqi Bank, Taizhou Bank, and Jiangyin Rural Commercial Bank have been successfully launched [1] - The company continues to support various commercial banks in building new generation banking core systems, reinforcing the foundation for digital transformation [1]

Core Viewpoint - The financial industry is facing significant challenges in post-loan management due to increased regulatory scrutiny on traditional methods such as phone calls and pre-litigation preservation, necessitating innovative solutions that comply with regulations while effectively reaching debtors [1][2][3]. Group 1: Regulatory Changes - The exposure of harassment calls during the 315 Gala has led to intensified regulatory measures, making phone calls for debt collection increasingly difficult [2]. - Since July, there has been a surge in account bans and fines related to phone calls, severely impacting the effectiveness of traditional debt collection methods [2]. - The limitations on pre-litigation preservation, effective from June 30, have further reduced the efficacy of judicial pathways for debt recovery, leaving the industry in a challenging position [3]. Group 2: Innovative Solutions - Wuhan Zhiping Tang Technology Co., Ltd. has developed an innovative "Address Finding" technology that combines technology and compliance to address the challenges in post-loan management [1][4]. - The "函必达 HC Intelligent Delivery" system, based on the "Address Finding" technology, has achieved a 75% signing rate for legal documents, significantly higher than the industry average of 30% [5][12]. - The company has built a comprehensive standard address database covering over 450 million active addresses, enhancing the effectiveness of document delivery [8]. Group 3: Technological Advancements - The "Address Finding" technology utilizes AI algorithms and big data to standardize and validate address information, improving the accuracy and completeness of addresses used for document delivery [7]. - The development of seven intelligent models, including repayment ability scoring and second contact selection, provides a full-link solution for decision-making in document delivery [9]. - The establishment of a fully automated packaging factory in collaboration with China Post allows for efficient processing of up to 50,000 documents daily, reducing errors and improving delivery precision [10]. Group 4: Strategic Collaborations - The strategic partnership with China Post enhances the delivery capabilities, ensuring that documents can reach even remote areas effectively [11][12]. - The company has implemented a customer service team to monitor delivery progress and address any issues that arise during the delivery process, further increasing the success rate of document delivery [12]. Group 5: Industry Impact - The innovative solutions provided by Zhiping Tang Technology have positioned it as a leader in the market, with over 10 million legal documents sent and more than 100 financial institutions served [13]. - The integration of compliance and technology is seen as a pathway for the industry to evolve, moving away from reliance on shortcuts and towards sustainable growth through technological innovation [14].

蚂蚁数科的 Agentar 企业级全栈智能体平台，通过五大核心支撑构建起金融领域智能应用的可信底座， 既突破了金融场景的专业性、复杂性壁垒，又确保了技术应用的合规性与可靠性，最终推动金融新质生 产力实现跃迁。 支撑一：企业级全栈智能体平台，夯实技术底座 平台以 "1000 + 安全合规水位标准" 为基础，提供从底层架构到上层应用的全栈能力，支撑金融智能体 在复杂业务场景中稳定运行。其核心价值在于打通技术与业务的衔接，让智能体能够适配银行、保险、 证券等多类金融机构的差异化需求，为后续功能落地提供坚实的基础设施支撑。 支撑二：金融大模型，构建智能中枢 蚂蚁数科金融大模型是平台的 "大脑"，具备可靠、可控、可优化三大特性： 相比通用大模型，其在金融领域的语言理解、知识储备、逻辑推理和数学计算能力更突出，通过二次训 练(结合蚂蚁侧高质量金融数据与客户侧专有数据)可形成机构专有模型； 依托专业知识工程，构建了精标长 COT 数据、金融标签体系等高质量训练数据集，确保模型 "懂规 则、精业务"，减少 "幻觉"，保障数值计算准确与逻辑自洽。 支撑三：金融知识工程，破解专业壁垒 通过标准化加工金融知识资产，让智能体具备深度 ...

同时，乐信报告期内促成借款额538亿元，同比增长57.8%;截至一季度末，平台管理在贷余额824亿元， 同比增长40.8%。截至一季度末，乐信90天以上的逾期率为1.84%，新增借款的FPD 30(首期逾期率)连续 8个月保持在1%以下。 用户数据方面，2021年第一季度，乐信新增用户1400万。截至季末，乐信用户数达1.32亿，同比增长 56.5%，授信用户3030万，同比增长46.5%;季度新增活跃用户180万，同比增长88.0%。 6月1日，美股上市公司乐信发布2021年第一季度未经审计财务业绩。数据显示，乐信2021年第一季度营 收29亿元，毛利润为13.7亿元，调整后净利7.71亿元，环比上季度增长27.9%;息税前利润9.11亿元，环 比上季度增长29.4%。 具体来看，乐信2021年第一季度纯科技平台服务收入6.36亿元，同比增长122%;一季度推出的"先享后 付"产品"买鸭"，交易额为6000万元。截至5月底，"买鸭"累计服务用户数51万，服务商户数1575个，交 易额2.37亿元。 ...