Core Insights - The strategic partnership between Haohan Deep and Suiyuan Technology aims to establish a joint laboratory and launch a financial intelligent service integrated machine, focusing on replacing human labor and keyword-based customer service with digital employees [1][2] - This collaboration signifies a new phase of comprehensive synergy in technology co-research, ecosystem building, and scene expansion, with the goal of integrating domestic computing power with financial scenarios to accelerate the application of AI in the trillion-level customer service market [1][2] Company Collaboration - The joint laboratory will serve as the core incubator for collaborative innovation, with both companies deploying core R&D teams to achieve full-stack collaborative development from underlying drivers to application optimization [2] - Haohan Deep's extensive experience in data and core algorithms for intelligent customer service, risk control, and marketing will be integrated with Suiyuan Technology's self-developed computing power to create a domestic intelligent service machine for the financial industry [2] Market Strategy - The integrated machine is expected to be deployed first among top financial clients such as third-party payment institutions, financial decision-making service platforms, and joint-stock banks, with plans for rapid replication across a broader range of banks and insurance institutions [2] - The partnership represents a significant convergence of cutting-edge computing power and key financial scenarios, marking a milestone in both companies' long-term strategic layout in a promising market with substantial growth potential [2] Future Outlook - Both companies plan to deepen their technological integration and solution innovation in more financial scenarios, aiming to drive innovation through computing power and reshape the financial landscape with intelligence [2]

在人才储备上，公司核心团队集结了来自Teradata、SAS、FICO等国际顶尖数据科技企业的资深专家， 技术骨干平均拥有超20年行业实战经验，技术人才占比更是高达89%，构筑了坚实的人才壁垒。 技术能力方面，其数据平台建设与数据分析挖掘实力稳居国内第一梯队，已取得50项授权专利和194项 软件著作权，更顺利通过CMMI五级认证，标志着在软件研发、项目管理及服务交付能力上达到国际领 先水平。 依托强大的人才与技术支撑，瑞和数智在智能营销领域打造了丰富的自有产品矩阵，其中"灵犀智能营 销平台"成为核心王牌，涵盖智能营销、实时营销、标签画像、个性化推荐等六大功能模块，可为金融 机构提供端到端的智能化整合营销解决方案，实现客户全链路精细化经营。 12月22日，格隆汇"科技赋能·资本破局"线上分享会顺利落幕，备受关注的"金格奖"评选结果同步揭 晓，瑞和数智凭借扎实的技术创新与精准的赛道布局，成功斩获"年度创新力奖"。 在金融科技行业竞争日趋激烈、转型方向同质化严重的当下，这个奖项不只是资本市场对其过往成绩的 实打实认可，更折射出这家企业跳出传统业务框架、重构增长逻辑的独特思路。不同于多数同行"单点 技术升级"的浅层创 ...

（来源：北京商报） 此次荣获"2025公益榜样"，正是对分期乐普惠长期深耕县域产业小微、践行普惠金融理念的认可。乐信 副总裁、分期乐普惠负责人杨涛表示，"我们一直关注县域小微群体的'急、难、愁、盼'。未来，我们 将进一步夯实'线上精准风控'与'线下直营团队'双重能力，努力让每一位勤恳奋斗的小微经营者都能便 捷获取高质量的金融服务，长期陪伴小微企业成长、助力实体经济高质量发展。" 作为长期深耕小微服务领域的分期乐普惠，多年来一直积极践行普惠金融理念、助力小微发展。去年 底，分期乐普惠进一步推出了"相信微小梦想"计划，专注县域特色产业带和产业带小微，计划将链接超 百亿元资金，深度助力县域小微企业发展。 "线上+线下"的双重能力体系为更好服务小微提供了重要支撑。线上，依托大数据与AI技术构建的智能 风控体系，平台能精准评估小微经营者的"软实力"，破解无抵押融资难题；线下，超过2000人的属地化 直营团队深入工厂商铺、田间地头，为小微企业提供一对一上门服务，将"最快一分钟放款"的便捷体验 送至经营者手中。 "相信微小梦想"计划推出一年来，累计帮助约60万小微用户，为包括湖北潜江小龙虾、安徽灵璧葡萄、 河北唐县肉羊、广 ...

经济观察报 记者 老盈盈 编者按：2025年，经济观察报以"我们的四分之一世纪"为年终特刊主题，旨在通过数十位时代亲历者的 故事，共绘一幅属于这段岁月的集体记忆图谱。 外国人常称呼李小加为"Mr. Connect（联通先生）"，"联通"这个词几乎贯穿了他整个金融职业生涯。 早年间，李小加在投行任职时，核心就是搭建中国企业与国际资本的桥梁，把"中国货"（内地企业）带 到香港市场，吸引"世界的钱"（国际资本）投入。20世纪90年代，第一批内地企业以H股、红筹股的模 式赴港上市，国际资本得以通过香港枢纽进入内地市场，支持内地企业发展。 后来，李小加加入香港交易所（下称"港交所"）任职行政总裁，延续了"联通"的核心思路，不断拓展互 联互通的边界。无论是股票、商品，还是清算体系、投资标准，核心都是要把中国这个巨大的经济体和 金融市场，从各个关键维度与世界进行深度绑定，真正实现全方位的互联互通。 4年前，李小加创立滴灌通，这次他"联通"的是全球资本与小微企业，在微观层面打通小微企业的金融 供给通道，通过分散化、标准化设计控制风险，既让金融"水流"抵达末梢经济主体，又避免局部风险扩 散。 12月初，经济观察报记者在位于香港 ...

Core Viewpoint - The strategic partnership between Haohan Deep (688292) and Shanghai Suiyuan Technology aims to establish a joint laboratory and launch a financial intelligent service integrated machine, focusing on replacing human customer service with digital employees and keyword search systems, thereby enhancing the integration of domestic computing power with financial scenarios and accelerating the application of AI in the trillion-level customer service market [1][3]. Group 1 - The joint laboratory will serve as a core incubator for collaborative innovation, with both companies deploying core R&D teams to achieve full-stack collaborative research and development from foundational driving, framework optimization to application tuning [3]. - Haohan Deep has over 30 years of experience in data and has developed core algorithms for intelligent customer service, risk control, and marketing, serving major financial institutions like UnionPay and JD Finance [3][5]. - Suiyuan Technology specializes in cloud computing products in the AI field, with its high-performance and energy-efficient architecture widely applied across various industries, including smart finance [3][5]. Group 2 - Haohan Deep plans to integrate Suiyuan Technology's self-developed computing power to create a domestic intelligent service machine for the financial sector, with initial deployments in top financial clients such as third-party payment institutions and joint-stock banks [5]. - The collaboration is seen as a significant convergence of cutting-edge computing power and critical scenarios, marking a milestone in both companies' long-term strategic layout in a promising market with substantial growth potential [5]. - The partnership aims to deepen technological integration and solution innovation in more financial scenarios, realizing the vision of "driving innovation with computing power and reshaping finance with intelligence" [5].

*ST熊猫再度涨停，4个交易日内录得3个涨停，累计涨幅为19.17%，累计换手率为4.33%。截至9:25， 该股今日成交量4.47万股，成交金额44.74万元，换手率0.03%。最新A股总市值达16.62亿元。 龙虎榜数据显示，该股因连续三个交易日内，收盘价涨幅偏离值累计达到12%的ST证券、*ST证券上榜 龙虎榜1次，买卖居前营业部中，营业部席位合计净买入11.29万元。 | 日期 | 当日涨跌幅（%） | 换手率（%） | 主力资金净流入（万元） | | --- | --- | --- | --- | | 2025.12.22 | 4.96 | 0.25 | 294.76 | | 2025.12.19 | 2.95 | 2.73 | 311.89 | | 2025.12.18 | 5.00 | 1.33 | 419.75 | | 2025.12.17 | 0.60 | 2.01 | 142.17 | | 2025.12.16 | -3.91 | 2.14 | -131.35 | | 2025.12.15 | -1.59 | 2.08 | -87.69 | | 2025.12.12 | -4.95 | 2 ...

近日，众淼控股(01471)接连获得行业权威媒体认可，先后荣获上海报业集团主管主办的财经媒体蓝鲸 新闻颁发的"2025年度成长力上市公司"(鲸潮奖)以及保险科技垂直媒体平台保观颁发的"2025年度 InsurStar30"奖项。这两项荣誉分别从资本市场表现与行业创新力两方面，充分肯定了众淼控股在"保险 分发+金融科技"双赛道布局下的跨越式发展与卓越成长潜力。 成长力获资本市场认可 在蓝鲸新闻2025年度"鲸鼎奖"上市公司评选中，众淼控股凭借强劲的业务增长、规范的治理结构及透明 的信息披露，成功摘得"年度成长力上市公司"大奖。作为港股上市企业，众淼控股持续通过生态建设与 战略投资推动业务升级，其"保险分发+金融科技"双轮驱动模式展现出可持续的发展动能。 公司一方面深耕保险科技领域，为企业及家庭用户提供定制化、数字化的风险解决方案；另一方面，通 过战略控股金融科技细分赛道企业，打造覆盖智能风控、数据服务与生态协同的全栈式解决方案，持续 赋能金融企业数字化转型。 同期，众淼控股亦获得由保险科技媒体保观颁发的"2025年度InsurStar30"奖项。该奖项旨在表彰在保险 业创新与转型中作出突出贡献的企业，众淼控股凭 ...

智通财经APP获悉，近日，众淼控股(01471)接连获得行业权威媒体认可，先后荣获上海报业集团主管主办的财经媒 体蓝鲸新闻颁发的"2025年度成长力上市公司"(鲸潮奖)以及保险科技垂直媒体平台保观颁发的"2025年度 InsurStar30"奖项。这两项荣誉分别从资本市场表现与行业创新力两方面，充分肯定了众淼控股在"保险分发+金融 科技"双赛道布局下的跨越式发展与卓越成长潜力。 双轮驱动，持续赋能行业数字化 技术创新是众淼控股发展的核心支撑。公司长期致力于金融数字化解决方案的研发与落地，通过"保险分发+金融 科技"双引擎协同，不仅实现了营收与利润的稳步增长，更在业务竞争力与客户赋能层面展现出持续进化的能力。 保险科技创新力受行业肯定 同期，众淼控股亦获得由保险科技媒体保观颁发的"2025年度InsurStar30"奖项。该奖项旨在表彰在保险业创新与转 型中作出突出贡献的企业，众淼控股凭借其在保险分发领域的科技积累、服务经验与创新实践，成功跻身行业创新 标杆行列。 成长力获资本市场认可 在蓝鲸新闻2025年度"鲸鼎奖"上市公司评选中，众淼控股凭借强劲的业务增长、规范的治理结构及透明的信息披 露，成功摘得"年度成 ...

Core Insights - Emerging technologies such as IoT, big data analytics, and artificial intelligence are rapidly developing and have the potential to transform global society and economy. Africa has a unique opportunity to leverage these technologies and reliable partnerships for socio-economic transformation, potentially contributing approximately $1.5 trillion to its GDP by 2030 through accelerated sustainable growth and development [1][2]. Group 1: Technological Development and Economic Impact - The advancements in renewable energy, broadband infrastructure, and digital public services are enhancing resilience and promoting inclusive technology applications to aid development [1]. - The African Union's Agenda 2063 and the African Continental Free Trade Area (AfCFTA) provide critical frameworks that can benefit from the increasing prevalence of emerging technologies and favorable tech partnerships [1][2]. - The African Digital Transformation Strategy (2020-2030) prioritizes broadband expansion, digital skills training, e-governance, data governance, and support for emerging technologies like AI and fintech, guiding Africa's related efforts [1][2]. Group 2: China-Africa Technological Partnership - China's growing partnership with Africa in the tech sector involves governments and major telecom and mobile companies, indicating that reliable partnerships can effectively bridge the digital divide and promote inclusive economic participation and growth [2]. - China is a significant force in promoting development in the Global South through various initiatives, including the Belt and Road Initiative and the China-Africa Cooperation Forum, focusing on common development, security, cultural exchange, and equitable global governance [2][3]. - Chinese government and enterprises are crucial partners in Africa's tech-driven modernization, providing ICT support that aids economic growth and public service delivery in sectors like e-governance, healthcare, and education [2][3]. Group 3: Infrastructure and Capacity Building - Chinese enterprises have piloted AI systems in urban management, fintech solutions, and hydropower operations in several African countries, with ongoing efforts to apply technology in green energy and food security [3]. - The China-Africa Technology Partnership Program 2.0 includes joint projects for building R&D centers, tech parks, and sustainable development initiatives, marking a deepening of long-term mutually beneficial development positioning [3][4]. - China has made significant investments in Africa's digital infrastructure, assisting in the construction of extensive backbone networks totaling approximately 150,000 kilometers, with over 200,000 kilometers of fiber optic laid [3][4]. Group 4: Education and Long-term Development - China supports African universities and vocational education, launching specialized technical talent training programs and establishing joint R&D innovation institutions to deepen tech cooperation [4]. - The China-Africa partnership has acted as a catalyst in bridging Africa's digital divide, with future prospects for solidifying tech cooperation as a primary frontier for sustainable socio-economic transformation and modernization [4].

Group 1 - The core viewpoint is that the Chinese yuan is expected to appreciate further, potentially entering the "6 era" in the long term, despite short-term fluctuations [5][7] - Recent trends show that exporters are increasingly opting for immediate currency settlement upon receipt of payments to mitigate losses from currency fluctuations, particularly in light of the yuan's recent appreciation [1][3] - The yuan has reached a 14-month high, which poses challenges for small and medium-sized export enterprises, as they may face immediate currency exchange losses and potential price competitiveness issues [1][5] Group 2 - The People's Bank of China reported a slight depreciation of the yuan against the US dollar, with the central parity rate set at 7.0572 yuan per dollar, reflecting a decrease of 22 basis points from the previous trading day [4] - Analysts suggest that the seasonal increase in currency settlement demand towards the end of the year may contribute to a stronger yuan, as exporters typically need to settle accounts to pay year-end bonuses [7][9] - The overall trade environment is expected to remain stable, with the central bank's recent adjustments indicating a focus on aligning the yuan's exchange rate with economic fundamentals rather than promoting rapid appreciation [9][10] Group 3 - China's foreign trade maintained positive growth, with total trade value reaching 41.21 trillion yuan in the first eleven months of the year, a year-on-year increase of 3.6%, driven by a 6.2% rise in exports [8] - The shift from price competition to brand and technology diversification is anticipated as companies adapt to exchange rate pressures, aligning with government initiatives to support service exports and digital trade [8][9] - The recent increase in the yuan's value is seen as beneficial for importers, enhancing purchasing power and potentially lowering costs for raw materials and consumer goods, which aligns with China's strategy to boost domestic consumption [7][8]