在金融监管日益严密的当下，一起发生在支付行业核心枢纽的腐败案令人瞠目：中国银联业务运营中心 原主管刘国梁，这个80后"店小二"，仅凭商户费率审核权，短短三年疯狂敛财1900余万元。当上海市浦 东新区人民法院的判决书揭开这起腐败案时，公众看到的不仅是一个人的堕落轨迹，更是一条贯穿支付 产业链的完整灰色利益链。 这场惊天贪腐的根基深植于2016年银行卡刷卡手续费改革留下的制度裂缝。分层费率体系在设计时为市 场立规，却在实操中成为权力寻租的温床。刘国梁手握非标商户归类审核的生杀大权，将本应0.6%费 率的高利润商户伪装成优惠类，违规延长政策过渡期，为中付支付、杉德支付等机构套取差价。判决书 里铺陈着行贿的华丽伪装：海科融通766.5万元的"转账"，付临门百万级的"培训费"，这些明晃晃的资 金流动长达三年竟未触发任何预警。 银联内控的三重溃败在案件中暴露无遗。作为国家支付清算命脉，本应相互制衡的"审核-复核-批准"机 制沦为刘国梁一人独掌的权杖。更匪夷所思的是技术防控的全面失灵——全球顶尖的支付系统既未监控 高频变更费率的异常操作，也未校验商户规模与费率档位的逻辑关系，使权力寻租如入无人之境。最具 讽刺的是2024年 ...

查看完整报告 特别申明： 点击注册小程序 商户解决方案持续渗透，AI技术赋能商户生态完善 24年公司商户解决方案业务收入为3.4亿元，较23年的3.6亿同比-6.4%，尽管收入略有下降，但24年商户解 决方案业务毛利率维持在87.2%，与23年的87.4%基本持平，公司专注于盈利性更高的客户群体，维持较高 的产品盈利能力和成本管控。同时，公司在金融科技领域的营销服务实现行业领先，覆盖90%以上的客 户，包括蚂蚁宝、微众银行、宁波银行、众安保险等。公司通过AI算法实现广告精准投放与动态创意生 成，大幅提升转化率，持续深化AI技术应用及扩大国内外战略性伙伴合作，进一步优化板块商业化能力和 对公司整体收入及盈利能力的提升。 到店电商业务收费模式优化，门店数有望持续增长 本订阅号中所涉及的证券研究信息由光大证券研究所编写，仅面向光大证券专业投资者客户，用作新媒体形势下研究 信息和研究观点的沟通交流。非光大证券专业投资者客户，请勿订阅、接收或使用本订阅号中的任何信息。本订阅号 难以设置访问权限，若给您造成不便，敬请谅解。光大证券研究所不会因关注、收到或阅读本订阅号推送内容而视相 关人员为光大证券的客户。 报告摘要 我们 ...

《金牌纪要库》是财联社VIP倾力打造的一款高端会议纪要类产品，结合财联社的媒体资源和行业圈层 优势，为投资者提供全面、深入的市场及行业洞察，以及专业分析和解读。 栏目专注于捕捉投资市场 的最新题材机会，通过一线记者的即时报道、资深编辑的专业整理，以及行业资深专家的深度访谈，为 投资者提供前瞻性、独家性、热门性及专业性的市场分析。 ①巨头蚂蚁入局！稳定币将对跨境支付产生深远影响，这些跨境支付企业未来或出现价值重估；②为金融 机构提供底层技术、资质和产品的企业，业务需求会受稳定币、数字货币蓬勃发展刺激，这家业内代表性 企业为银行提供支付清算等核心系统；③区块链技术应用潜力巨大，未来AI反诈和数字身份认证等场景落 地可期，这些企业已在金融科技领域有较强先发优势。 前言 ...

据悉，中国银联以改善与提高养老客群生活质量、促进养老客群身心健康为核心目标，兼顾养老客群的 差异化需求，通过聚合产业各方资源，进一步打造卡产品权益、拓展场景受理、助力商业银行用户经 营，建设了银行适老产品与服务体系，取得了一定成效。 胡浩中表示，未来将以"适老、惠老、助老、养老"为核心理念，进一步联合产业各方，努力构建覆盖支 付产品、场景建设、权益服务的全生态适老体系。一是打造银联综合适老服务品牌，联合共建特色卡产 品。构建覆盖产品、权益、活动、功能的综合适老服务体系，支持银行发行特色养老卡产品，开展权益 叠加等活动，打响银联综合适老服务品牌。二是完善适老场景受理环境，服务银行老年客群。持续开 展"锦绣行动"，实现重点场景商户受理覆盖；拓展养老助餐食堂、公缴、社保缴费、医疗等场景商户。 三是升级适老服务能力。联合商业银行提供养老金融服务，助力银行养老财富管理、养老金金融等业务 发展。完善云闪付关爱版，打造养老金、政府补贴等差异化服务能力，并向商业银行做好内容场景赋 能，更好触达银发客群。 新华财经上海6月14日电（记者王淑娟）在2025年上海老博会上，中国银联执行副总裁胡浩中表示，银 发消费呈现三大趋势：一是 ...

Financial Data and Key Metrics Changes - The meeting confirmed the election of directors and the ratification of the independent registered public accounting firm, PricewaterhouseCooper, for the year ending December 31, 2025 [9] - The advisory, nonbinding approval of the compensation for named executive officers was also confirmed [9] Business Line Data and Key Metrics Changes - No specific financial data or key metrics related to individual business lines were discussed during the meeting [10] Market Data and Key Metrics Changes - No specific market data or key metrics were provided in the meeting [10] Company Strategy and Development Direction and Industry Competition - The meeting focused on governance matters, including the election of directors and the appointment of auditors, rather than strategic direction or competitive positioning [6][9] Management's Comments on Operating Environment and Future Outlook - Management did not provide specific comments on the operating environment or future outlook during the meeting [10] Other Important Information - The meeting was conducted virtually, and stockholders were required to log in using their control number to participate [3][10] - The final vote tally will be published within four business days [9] Q&A Session All Questions and Answers - There were no questions submitted during the Q&A session [10]

Group 1 - The core viewpoint of the article highlights the shifting dynamics in the global payment system, where despite the long-standing dominance of the US dollar, its influence is showing signs of decline, while the euro is gaining ground [1][4][6] - As of April 2025, the US dollar's share in global payments rose to 49.68%, marking an eight-month high, while the euro's share increased to 22.24% [4][6] - The Chinese yuan's share in global payments decreased by 0.63 percentage points to 3.5%, falling to fifth place behind the yen, which saw a rise in demand due to low interest rates [4][22][25] Group 2 - The article discusses the ongoing trend of "de-dollarization," where countries like the UAE, India, China, and Thailand are exploring the use of local currencies for cross-border transactions to reduce reliance on a single currency system [9][11] - The euro, once seen as a strong challenger to the dollar, has struggled due to structural issues within the Eurozone, particularly highlighted by the economic impact of the Russia-Ukraine conflict [15][19] - The yuan's decline in global payment share is attributed not solely to trade tensions but also to a surge in demand for the yen, which has affected the relative standing of the yuan [22][25][30] Group 3 - The article emphasizes that the international status of a currency is influenced by factors such as economic scale, technological strength, and the maturity of financial markets, adhering to the principle that "strong economies lead to strong currencies" [34][36] - The current discussions around de-dollarization reflect countries' awareness of the risks associated with a single currency, aiming to create a more diversified international monetary system where multiple currencies can coexist and compete [36][38]

Core Viewpoint - MPay has officially launched "Gaode Taxi" to enhance smart travel services in Macau, aligning with national policies for transportation integration and smart city development [1][6]. Group 1: Service Expansion - The introduction of "Gaode Taxi" allows users in Macau to access taxi services and payments through the MPay app, eliminating the need for additional downloads [1]. - This service expansion addresses the increasing demand for convenient transportation options in Macau, particularly in response to the challenges of hailing taxis [3]. Group 2: User Experience Enhancement - Users can now enjoy instant taxi hailing and booking through MPay, benefiting from Gaode's intelligent route planning capabilities to avoid congested areas [3]. - The integration of a one-click payment feature streamlines the entire travel process from hailing a taxi to payment, enhancing user convenience [3]. Group 3: Comprehensive Travel Ecosystem - MPay has evolved into a super app that encompasses various services including dining, travel, entertainment, and cross-border payments, catering to diverse user needs [5]. - In addition to "Gaode Taxi," MPay integrates other travel-related services such as "Macau Airlines," ferry tickets, and "Hong Kong-Macau Express," covering all modes of transportation [5]. Group 4: Strategic Collaboration - The partnership with Gaode is a strategic move to enhance Macau's position as a key hub connecting mainland China and international markets, contributing to the development of a global transportation network [6]. - MPay aims to continue expanding its service offerings and deepen ecosystem cooperation to provide efficient and intelligent travel solutions for both residents and tourists [6].

我们不是资讯的搬运工 而是有态度的发现者 万和财富早班车 2025年6月13日 ● 国内金融市场 ● 股指期货 · | 品种 | 收盘 | 涨跌幅 | 品种 | 收盘 | 涨跌幅 | | --- | --- | --- | --- | --- | --- | | 上证指数 | 3402.66 | 0.01% | 上证当月连续 | 2682.2 | 0.02% | | 深证成指 | 10234.33 | -0.11% | 沪深当月连续 | 3883.6 | 0.06% | | 创业板指 | 2067.15 | 0.26% | 恒生期货指数 | 31013.11 | -1.2% | 宏观消息汇总 1. 央行、外汇局:进一步加大金融支持海峡两岸融合发展力度, 为两岸融合发展示范区建设提供有力的金融支撑 三、上市公司聚焦 1。 矽电股份(301629)：公司是国内首家实现12吋晶圆探针台产业 化应用的设备厂商 2 南极光(300940)：公司是目前唯一通过任天堂认证的LCD背光 模组供应商,在Switch 2背光模组中的供应商地位较为稳固 3. 金现代(300830)：目前公司的轻骑兵低代码开发平台已经适配 Deep ...

随着富人离开伦敦的速度加快，数字开始累积：工党的旗舰"富人税"政策有可能成为英国经济的净流 失。在政府废除了对非定居居民（来自海外的富裕居民）实施了两个世纪的税收减免后，几乎每天都有 大型投资者或企业家退出。亿万富翁Checkout.com创始人纪尧姆·普萨兹和埃及首富纳塞夫·萨维里斯等 都在逃往欧洲和中东金融中心的人群中，他们承诺降低税负，而最初的涓涓细流迅速演变成大规模的出 走。 ...

为何两大业务板块双双申请稳定币牌照？对此，一业内人士告诉北京商报记者，蚂蚁数科和蚂蚁国际实则是蚂蚁集团拆分出的两个独立业务板块，二者有独 立的运营团队和管理层，申请互不冲突。其中，蚂蚁国际聚焦跨境支付等场景，稳定币在跨境支付中具有低成本、高效率等优势，申请稳定币牌照，有利于 降低跨境支付成本，提升结算效率；而蚂蚁数科则更专注于数字科技，将香港列为全球总部，从产业和技术出发，有利于推动产业以技术为核心的新资产类 别发展，为稳定币交易提供新的增量市场。 博通咨询首席分析师王蓬博同样在接受北京商报记者采访时分析，蚂蚁国际申请稳定币牌照的动作，反映了其加速和完善在全球财资管理及金融科技服务领 域布局的意图，特别是在跨境支付、电子商务、资产管理等方面，稳定币可作为高效、低成本的结算工具，提升资金流转效率并降低汇率波动风险。 "当然，申请牌照也面临挑战，要满足监管对资本、储备、运营等严格要求，需投入大量人力、物力构建合规体系；且稳定币市场受政策、市场波动等影响 大，后续业务开展中，如何平衡创新与风险、适配不同地区监管差异，都是待解难题，需持续摸索前行。"王蓬博提道。 另谈及蚂蚁数科与蚂蚁国际同步申请的原因，王蓬博认为，主 ...