11月19日，香港特别行政区政府财经事务及库务局与深圳市地方金融管理局联合发布《关于携手打造港 深全球金融科技中心的行动方案（2025-2027年）》（以下简称《行动方案》），明确未来三年将围绕 六大方面推出20项重点任务，并提出"到2027年底，落地20个以上深港跨境数据验证平台金融领域应用 场景"等具体目标。这份首次由深港两地联合发布的金融科技专项行动方案，被视为两地携手打造全球 金融科技中心的"施工图"和"任务书"。 从"要素流动"迈向"制度型开放" 《行动方案》开宗明义，旨在"充分发挥深港两地在金融科技领域先发优势，携手打造全球金融科技中 心，助力香港巩固提升国际金融中心地位、深圳建设具有全球重要影响力的产业金融中心"。 "印象中，这是深港联合发文的第一个《行动方案》，标志着深港合作进入到一个新阶段。"广东省体制 改革研究会执行会长彭澎在接受南都·湾财社记者采访时指出。 南开大学金融学教授田利辉认为，这一合作具有深远的战略意义。"相较于新加坡、伦敦等其他国际金 融科技中心，深港合作的战略意义在于助推人民币国际化、抢占全球金融科技规则话语权。"田利辉进 一步分析称，"深港的优势是'科创+金融+政策'协同 ...

11月18日，第二十届中国经济论坛平行论坛——2025大湾区科技与金融创新发展大会在广州南沙隆重举 行。宇信科技"零售信贷（包括普惠和消费信贷）自营业务转型合作运营模式——区域性银行数字化普 惠金融新范式"凭借突出的创新性、显著的实践成效与广泛的行业示范意义，成功斩获"十四五"金融创 新优秀案例奖项。宇信科技数字金融产研融合业务部总经理李安东受邀出席大会并上台领奖。 作为国内科技与金融领域的重要交流平台，本次大会由证券时报社主办，汇聚了来自多个国家部委及广 东省领导、知名经济学家、科技金融企业代表等重量级嘉宾，共同探讨"十四五"后期科技与金融深度融 合的新路径、新模式。此次获奖，不仅是对宇信科技在金融科技领域技术实力与创新能力的权威认可， 更彰显了公司在助力区域性中小银行数字化转型、推动普惠金融落地方面的实践价值。 该项目的成功缘于在模式、风控、技术与体系四个维度的全面创新：1. 服务模式创新："联合运营+效 果付费"破解合作困局；2. 风控机制创新：量化风控与传统风控的有机融合；3. 科技应用创新：微服务 架构支撑全流程数字化；4. 体系协同创新：五大体系联动实现全域高效运营。 成效显著：数据印证价值，示范 ...

构建一个覆盖全球多资产类别的"All-in-One"AI原生金融科技平台。 本文为IPO早知道原创 作者｜ Stone Jin 微信公众号｜ipozaozhidao 据IPO早知道消息，新加坡AI原生金融科技公司RockFlow近日已完成新一轮数千万美元融资。本轮 融 资 由 蚂 蚁 集 团 领 投 ， Monolith 砺 思 资 本 ， 以 及 现 有 股 东 蓝 驰 创 投 （ Lanchi Ventures ） 、 Forwest Capital和Evergreen跟投。 值得注意的是，RockFlow所属集团近期已成功获得香港证监会（SFC）颁发的第1类（证券交 易）、第4类（就证券提供意见）和第9类（资产管理）牌照，为其在香港这一国际金融中心开展受 规管的金融业务奠定了坚实基础。据透露，RockFlow已依托其全球合规架构，在全球多个主要市场 同步申请券商、信托、稳定币、支付及数字银行等多项金融牌照。 展望未来，RockFlow的愿景是构建一个覆盖全球多资产类别的"All-in-One"AI原生金融科技平 台。公司计划在未来数月内，陆续接入数字资产、真实世界资产（RWA）、事件合约及非上市公司 股 ...

当前Agentic AI快速发展，并在越来越多的业务场景中落地。与传统AI相比，Agentic AI正在颠覆"人来驱动自动化"的业务流程，就像领创集团运维总监杨 东祥在采访中说到的："传统AI更像一个顾问，它主要提供一些标准答案，但最终执行还是依赖人工，而Agentic AI更像是一个'执行官'或'助理'，能理解 目标，并预设规则与边界内主动调用工具、执行流程，形成闭环"。 领创集团运维总监杨东祥 01 将Agentic AI 融入多业务场景 重塑原有业务模式 领创集团作为一家以AI技术驱动的金融科技独角兽，致力于建立以AI为核心的金融+数据平台，让每个人都能更轻松、公平地获得优质的金融产品与服 务。多年来，领创集团凭借着以AI 技术为核心驱动力的战略，不断开发出创新的解决方案和产品，为东南亚乃至全球的企业和用户创造价值。旗下包括 智能风控解决方案提供商ADVANCE.AI ，通过AI驱动的数字身份验证、合规和风险管理为企业赋能；以及Atome Financial，东南亚领先的数字金融平 台，为消费者搭建多产品的数字金融服务，实现普惠金融。 面对Agentic AI的发展，领创集团始终紧跟技术创新趋势，将Ag ...

11/07/2025Stocks closed mixed Friday but ended at the day's highs.... BREAKING: Stocks Edge Higher As Nvidia, Alphabet Climb Square-parent Block (XYZ) will authorize a new $5 billion repurchase plan for its own stock, the company said ahead of its investor day on Wednesday. Square stock has declined 33% in 2025 and retreated after the company reported some financial metrics that lagged Wall Street targets in third-quarter earnings. In Q3, Square repurchased $403 million of its own stock. It… Related news St ...

本报讯 （记者李冰）11月19日，奇富科技（纳斯达克：QFIN；港交所：3660）发布了2025年第三季度 财报，财报显示，奇富科技第三季度收入为52.1亿元，同比提升19.1%，环比下降0.2%。非公认会计准 则净利润为15.1亿元。 奇富科技方面表示，面对行业的动态变化，公司正持续对业务结构进行调整。未来几个季度也将延续这 一方向，从而在新的运营环境下实现业务结构最优化，夯实核心业务韧性。行业的迅速变化也蕴含机 遇，短期内将推动公司优化运营和资源配置，助力其在行业复苏时把握增长契机，实现长期发展。 （文章来源：证券日报） 截至2025年9月30日，奇富科技平台已累计服务167家金融机构，注册用户数达到2.84亿，同比增长 11.6%。累计授信用户数增至6210万人，同比增长12.6%，累计借贷用户数也达到3810万，同比增长 15.1%。第三季度，平台撮合放款833亿元，同比增长1.0%，季度末在贷余额为1381亿元。 第三季度，奇富科技持续拓展多元化的获客渠道，深化精细化运营，优化获客效率。该季度，新增授信 用户195万，环比增长9%；新增借款用户135万，环比增长10%。通过多元化获客渠道布局，现已覆 ...

Core Insights - The article discusses the transformation of Chinese fintech companies, particularly Ping An Technology, from a "single technology output" model to becoming "industry standard setters" in overseas markets [1][4][6]. Group 1: Company Positioning and Strategy - Ping An Technology serves as the core platform for technology output from the Ping An Group, embodying the "AI in ALL" strategy through the integration of AI capabilities into financial services [2][11]. - The company aims to deepen its application of AI and SaaS subscription models to help financial institutions achieve cost reduction and efficiency improvements [4][12]. Group 2: International Expansion and Market Focus - The company has expanded its overseas business to 20 countries and regions, serving 214 clients, with a focus on Southeast Asia and South Africa as key strategic markets [1][6][7]. - In Vietnam, the company has partnered with major banks to implement core system projects capable of processing up to 10 billion transactions daily [7]. Group 3: Technological Innovations and Applications - The company has developed an "AI Agent" digital employee to enhance efficiency in customer service, marketing, and credit risk management within the banking sector [3][9]. - The "Intelligent Visual Anti-Fraud Strategy Platform" has been launched to combat fraud using AI, achieving a detection rate of over 99% in various applications [10]. Group 4: Future Goals and Development - Over the next 3-5 years, the company aims to solidify its position as a leader in fintech and AI, focusing on sustainable technology development and deep integration of AI into financial processes [11][12]. - The company plans to enhance its global presence by establishing standardized technology and service outputs, contributing to the international competitiveness of the Ping An Group [12].

Core Insights - The article discusses the transformation of China's financial technology sector from a "single technology output" model to becoming "industry standard setters" in the context of international expansion [1] - Financial institutions overseas are increasingly seeking compliance, security, and sustainability, with a preference for mature SaaS models to quickly deploy systems while meeting regulatory requirements and enhancing business efficiency [1][7] Group 1: Company Positioning and Strategy - Financial One Account is positioned as the core platform for technology output of Ping An Group, embodying the "AI in ALL" strategy by productizing and platforming AI capabilities accumulated over 30 years [2] - The company implements a "Five Intelligences" strategy, integrating AI into marketing, service, operations, management, and business processes to achieve comprehensive intelligent upgrades [2][3] - The company aims to deepen the application of AI agents and SaaS subscription models to help financial institutions reduce costs and improve efficiency [4] Group 2: Domestic Market Focus - In the domestic market, the company emphasizes precision and practicality, focusing on the core financial business and leveraging data ecosystems to provide sustainable digital empowerment [4][5] - The data ecosystem integrates internal and external data resources to create comprehensive data services, enhancing risk control and marketing capabilities for financial institutions [4] - The vehicle ecosystem supports small and micro-enterprises in the automotive aftermarket by providing insurance services and digital operations [5] Group 3: International Expansion - The company is intensifying its overseas expansion, with Hong Kong serving as a key international entry point and Southeast Asia as a strategic market [6] - The company has established partnerships in Vietnam and other Southeast Asian countries, focusing on digital banking, insurance system construction, and compliance management [6][7] - By June 30, 2025, the company plans to expand its overseas business to 20 countries and regions, serving 214 clients [1][6] Group 4: AI Integration and Innovation - The company is committed to embedding AI capabilities into business processes, transforming AI from a tool into a productive partner [8][10] - The "Intelligent Visual Anti-Fraud Strategy Platform" has been developed to enhance fraud detection and compliance, achieving a detection rate of over 99% [10] - The company aims to create a closed-loop structure of "data-model-intelligent agent-application" to make AI a true productivity tool for financial institutions [11] Group 5: Future Goals - In the next 3-5 years, the company aims to lead the financial technology and AI industry, focusing on core technologies like AI, big data, and intelligent risk control [11] - The company plans to build a new financial technology landscape that supports both domestic and international development, leveraging its SaaS and service output model [11] - The company will promote the internationalization of Chinese financial technology standards through standardized technology and service output [11]

Core Insights - The visit by Shanghai University of Finance and Economics (SUFE) to Dongrong Technology Group focused on discussions around financial technology development, talent cultivation, and industry-academia collaboration [1][2] - Dongrong Technology Group showcased its innovative practices in financial technology, particularly through its Dongrong APP and the Dongrong Smart Loan platform [1][2] Company Overview - Dongrong Technology Group's chairman, Hu Yujian, provided an overview of the company's development history, regional layout, and service models during the visit [1] - The Smart Loan platform utilizes advanced technologies such as the internet, big data, and artificial intelligence to offer a comprehensive service for lending institutions [1] Industry Context - Hu Yujian reflected on the evolution of the financial industry from the rise of internet finance to the current phase of robust development, emphasizing the importance of technology-driven and compliant growth [2] - The collaboration aims to leverage SUFE's academic resources to enhance marketing innovation and the Smart Loan project [2] Collaboration Initiatives - Both parties discussed the establishment of a research institute and the integration of practical projects, marking a significant step in their partnership [2] - Hu Yujian was appointed as an MBA practice mentor at SUFE, indicating a commitment to deepening cooperation in talent development and research [2]

Financial Data and Key Metrics Changes - Total net revenue for Q3 was RMB 5.21 billion, slightly down from RMB 5.22 billion in Q2 but up from RMB 4.37 billion a year ago [16] - Non-GAAP net income reached RMB 1.51 billion in Q3, compared to RMB 1.85 billion in Q2 [21] - Non-GAAP net income per fully diluted ADS was RMB 11.36 in Q3, down from RMB 13.63 in Q2 [21] - The effective tax rate for Q3 was 20.9%, higher than the typical rate of approximately 15% due to withholding tax provisions [21] Business Line Data and Key Metrics Changes - Revenue from credit-driven services was RMB 3.87 billion in Q3, up from RMB 3.57 billion in Q2 [16] - Revenue from platform services was RMB 1.34 billion in Q3, down from RMB 1.65 billion in Q2 [17] - The average internal rate of return (IRR) for loans originated was 20.9%, compared to 21.4% in Q2 [17] Market Data and Key Metrics Changes - The number of new credit line users grew by 9% to 1.95 million in Q3, while the average cost per credit line user declined by 8% [8] - The 90-day delinquency rate increased to 2.09% in Q3 from 1.97% in Q2 [18] - The provision coverage ratio remained near historical high at 613% in Q3 [21] Company Strategy and Development Direction - The company is focusing on risk management and enhancing AI capabilities to better serve inclusive finance needs [4] - The strategy includes optimizing the user mix by increasing the proportion of high-quality borrowers [6] - The company aims to strengthen its competitive edge through technology solutions and AI-driven initiatives [10] Management's Comments on Operating Environment and Future Outlook - The management acknowledged persistent headwinds in the consumer finance sector and the need for regulatory adjustments [4] - They expect the competitive environment to become healthier in the long run, despite short-term impacts on market size and profitability [27] - The company plans to maintain a cautious approach in business planning for the next few quarters, focusing on risk control [23] Other Important Information - The company issued RMB 4.5 billion in asset-backed securities (ABS) during Q3, up 29% year-over-year [8] - Total cash and cash equivalents were RMB 14.35 billion in Q3, compared to RMB 13.34 billion in Q2 [22] - The company plans to resume its share repurchase program after the earnings call [33] Q&A Session Summary Question: Impact of new loan facilitation rules on business model and take rates - Management indicated that the new rules will require time for adjustment, impacting market size and profitability in the near term [26] - They expect a take rate of 3%-4% in Q4 due to pricing and risk impacts, with a focus on optimizing risk strategies and improving collection efficiency [28] Question: Shareholder return and buyback plans - The company plans to resume its share repurchase program after the earnings call, with a goal to gradually increase dividend payouts [33][34] Question: Asset quality trends and expectations - Management noted early signs of stabilization in asset quality, with no further upward trend in delinquency rates observed in November [39] - They expect improvements in overall portfolio risk to take a few more months to materialize [43] Question: Implications of potential APR regulations - Management assessed that while direct impacts are limited, there may be indirect effects on liquidity and risk volatility [49] - They emphasized the importance of serving higher-quality users and optimizing pricing to maintain a balanced risk profile [50] Question: Drivers behind technology solutions loan volume growth - The technology solutions business saw significant growth due to increased collaboration with financial institutions and strong demand for AI agents [55] - The company is upgrading its technology offerings to enhance customer acquisition and risk management [56] Question: Capital heavy vs. capital light business mix outlook - In the short term, the company may lean towards capital light models due to market volatility, but expects to maintain a balanced mix over the long term [60]