·格克切·居文（其个人社交媒体） "恰逢其时，赚到了风投的钱。" 作者：徐力婧 26岁，美国加州大学伯克利分校毕业，金融科技公司创始人，登上福布斯"精英"榜单——这曾是美国卡尔德公司创始人格克切·居文一度呈现给公众的形 象。 然而，2026年2月，美国纽约南区联邦地区法院公布的一份起诉书，揭开了居文的另一面：她通过伪造公司账目、编造合作文件，涉嫌诈骗数十名投资者 共计约700万美元，并利用虚假材料获得了美国签证。 当地时间1月29日，居文被正式起诉。如罪名属实，她或将面临最高20年的监禁。 两年估值3500万美元 按照卡尔德公司官网的描述，其核心模式是搭建品牌与消费者的"互惠"平台：主品牌方（如球队、零售商）通过卡尔德平台搭建忠诚度奖励计划，消费者 绑定银行卡后在合作伙伴品牌消费即可自动获得返现奖励；合作伙伴品牌为获取精准客户支付佣金，主品牌方和卡尔德平台从中分成。用居文的话说，卡 尔德平台能让主品牌方打广告"不花钱，还能赚钱"。 关注和质疑随之而来：为了"薅羊毛"而来的消费者，真的能成为品牌的长期客户吗？不过，当时这些声音并未引起外界重视。 居文对外展示的经营数据十分吸睛，声称有26个品牌正在使用卡尔德的服 ...

Core Viewpoint - The collaboration between Chongqing Anti-Fraud Center and Du Xiaoman introduces an innovative "Tech Anti-Fraud" campaign, featuring the first digital anti-fraud song, marking a significant integration of AI technology into anti-fraud education [1][5]. Group 1: Campaign Overview - The "Year of the Horse Anti-Fraud Three-Piece Set" includes a digital song, an AI short drama, and an interactive game, targeting different audience segments effectively [1][2]. - The digital song "Didi Guardian" aims to resonate with the younger generation by transforming fraud cases into catchy lyrics, thus promoting anti-fraud knowledge in an engaging manner [1][2]. Group 2: Technological Integration - Du Xiaoman has provided anti-fraud reminder services to 453,900 users, preventing financial losses amounting to 217 million yuan, showcasing the effectiveness of its AI technology [5]. - The company plans to upgrade its voiceprint recognition system and deepfake prevention model by 2025, enhancing its capabilities to detect high-risk behaviors in real-time [5][6]. Group 3: Community Engagement - The campaign leverages a comprehensive media network to disseminate anti-fraud knowledge, aiming to make it accessible to the general public [5]. - The initiative emphasizes the importance of community vigilance during the high-fraud season of the Spring Festival, encouraging users to verify suspicious situations through official channels [6].

Core Viewpoint - The Shenzhen-Hong Kong Cross-Border Data Verification Platform has been launched to address the challenges of cross-border data flow in the Guangdong-Hong Kong-Macao Greater Bay Area, enhancing financial services and facilitating economic integration [1][14]. Group 1: Pain Points in Cross-Border Data - High barriers exist due to complex compliance processes for the cross-border transmission of sensitive personal information, leading to high costs and long timelines [3][16]. - There is a lack of secure and efficient infrastructure for cross-border data flow, resulting in data transmission challenges [3][16]. - Trust issues arise from traditional methods where users carry original data across borders, making it difficult to ensure data integrity and reliability [3][16]. Group 2: Platform Innovation - The platform utilizes blockchain technology (FISCO BCOS) and distributed data transmission protocols (DDTP) to enable secure and traceable cross-border verification without transferring original data [5][18]. - Users can autonomously carry their data and authorize its use, ensuring control over their personal information and preventing misuse [20][25]. Group 3: Social Value and Impact - Since its trial run, the platform has covered 15 application scenarios, connecting over 21 institutions and processing more than 2,300 transactions [7][20]. - It has facilitated over 260 million HKD in financing for mainland SMEs in Hong Kong and significantly reduced verification times for educational documents from hours to seconds [20][25]. - The platform has received recognition from multiple national authorities and is included in significant strategic initiatives in both Hong Kong and mainland China [10][23]. Group 4: Future Prospects - The model of the platform is being replicated for the Shenzhen-Singapore Cross-Border Data Verification Platform, potentially benefiting over 2,000 investment enterprises [12][25]. - The platform aims to continue expanding its capabilities and applications, contributing to the high-quality development of the Greater Bay Area and enhancing digital cooperation between China and ASEAN countries [12][25].

Group 1 - The recent cross-border e-commerce Black Friday and Cyber Monday promotions have left many foreign trade companies and platform sellers in a "goods shipped, money retained" dilemma, with goods stuck at sea and in bonded warehouses, leading to cash flow issues [1] - Traditional financial services struggle to meet the flexible needs of small and micro enterprises, creating a demand for specialized financing institutions to address cash flow challenges [1] - Major financial institutions like a certain bank and a certain trust bank have established in-transit financing services, but they face high approval thresholds and lengthy processes, often requiring 7-10 days for review, which does not align with the urgent funding needs of cross-border merchants [1] Group 2 - Henan Zhangjin (Zhangjin Technology) is a technology financial service provider focusing on the integration of data and reality, utilizing an innovative model of "technology + data + finance" to offer differentiated services [3] - Unlike traditional institutions that rely on manual reviews, Henan Zhangjin employs big data and blockchain technology to track in-transit goods in real-time and verify transaction authenticity, enabling financing credit approval in as little as 3 days [3] - The company has established a physical service center that has attracted over 60 financial institutions and industry leaders, providing a one-stop solution for various cross-border practitioners, including credit loans for import e-commerce sellers without collateral and financing services for import traders [3] Group 3 - In the wave of digital economy empowering the real economy, service providers like Henan Zhangjin, which possess both technical strength and industry insight, are filling the service gaps left by traditional finance, offering more precise solutions for the cash flow challenges faced by small and micro cross-border enterprises [5]

Group 1: Household Wealth Situation - The average annual income of surveyed households is 50,300 yuan, with wage income being the core source at 61.6% [10][11] - There is a notable income disparity between first-tier cities and non-first-tier cities, with first-tier city households earning significantly more across all age groups [37] - The proportion of families with no housing is 28.9%, while 47.5% own one property, indicating a stable housing ownership structure [11][46] Group 2: Household Debt and Asset Management - The debt ratio is improving, with 50.5% of families being debt-free, although 10.4% have a debt ratio exceeding 100% [11][12] - Financial asset allocation shows a decline in cash and deposits, with first-tier cities showing a higher engagement in stocks and other financial products, reaching a holding rate of 49.2% [11][49] - Families are managing housing leverage more cautiously, with 59.3% of homeowners having no mortgage [11][46] Group 3: Consumption Patterns - The average monthly consumption per household is 2,421 yuan, with first-tier cities spending significantly more at 3,424 yuan [12][13] - Consumption patterns vary by demographic, with youth focusing on entertainment and dining, while middle-aged individuals prioritize education and healthcare [12][13] - Households with housing tend to have stronger consumption support, and those with multiple properties spend more than those with a single property [14][15] Group 4: Future Consumption Expectations - Overall consumption expectations are stable but show signs of weakening, with only 11% of families planning to increase consumption [15][16] - Employment stability is a key factor influencing consumption willingness, particularly among the unemployed and flexible employment groups [15][16] - The report suggests that families prioritize cutting discretionary spending in response to income uncertainty [16][17] Group 5: Policy Recommendations - The report recommends stabilizing employment and enhancing social security, particularly for youth and flexible employment groups [17][19] - It suggests optimizing household asset and debt structures and promoting inclusive financial products to enhance financial literacy [17][19] - Targeted measures are proposed to release consumption potential across all age groups, focusing on reducing rigid expenditure pressures [17][19]

Group 1 - The core discussion revolves around the necessity of a unified standard for the practical implementation of AI in finance, as highlighted by industry experts [1][3] - Yang Yehui from Qifu Technology emphasizes that AI serves as a tool in high-barrier industries like finance and healthcare, which are likened to fertile land for AI applications [1] - The FCMBench framework aims to create a standardized evaluation system for financial AI models, addressing the confusion among financial institutions regarding model selection [1] Group 2 - Professor Xu Yanwu from South China University of Technology points out that AI has already made significant contributions in areas such as insurance pricing, asset evaluation, and quantitative trading, although these impacts may not be visible in consumer-facing products [2] - Professor Chen Tao from Fudan University stresses the importance of developing a financial reasoning chain within AI models, moving beyond generic pre-training and fine-tuning to ensure models understand interest rates, regulations, and risks [4]

香港交易及結算所有限公司及香港聯合交易所有限公司對本公告之內容概不 負 責，對 其 準 確 性 或 完 整 性 亦 不 發 表 任 何 聲 明，並 明 確 表 示，概 不 對 因 本 公 告 全部或任何部份內容而產生或因倚賴該等內容而引致之任何損失承擔任何責 任。 自願公告 二零二六年一月之未經審核營運數據 本公告乃由捷利交易寶金融科技有限公司（「本公司」，連 同 其 附 屬 公 司 統 稱「本 集 團」）自 願 刊 發。 本公司董事（「董 事」）會（「董事會」）欣然宣佈本集團截至二零二六年一月止之未 經審核營運數據（「營運數據」）以使本公司股東（「股 東」）及潛在投資者（「潛在投 資 者」）知 悉 本 集 團 最 新 資 料。營 運 數 據 僅 供 參 考，並 不 代 表 本 集 團 任 何 收 入 增 長 趨 勢。 | | 二零二六年 | 二零二五年 | | | --- | --- | --- | --- | | | 一 月 | 一月 | 同比 | | 新增機構客戶數量 | 7 | – | +7 | | 註冊用戶數量 | 890,496 | 838,602 | +6.2% | | 打新記用戶數量 | 11 ...

Group 1: Consumer Rights Protection - In 2025, Ant Group continues to enhance risk control capabilities, focusing on preventing marketing inducement risks, assisting 295,000 users in recovering over 400 million yuan in fraud-related funds [1] - The "Chasing Gold Plan" successfully recovered over 400 million yuan for 295,000 users, with an average of 16,400 interactions per month through the "Awakening Hotline" to alert potential victims [1] - Ant Group's smart mediation platform resolved over 40,000 disputes in 2025, improving efficiency and user experience in dispute resolution [1] Group 2: AI Health Application - Ant Group launched the AI health application "Ant Aifu," which has over 30 million monthly active users, with 55% coming from third-tier cities and below [2] - The application aims to make professional health services more accessible across geographical boundaries [2] Group 3: Financial Education and Employment - Ant Group's "Star Sea Plan" conducted over 40,000 financial education activities across 23 provinces and 292 cities, reaching 240 million people [3] - The "Ant Employment" platform has helped over 8 million people find jobs, providing 99,000 digital job opportunities for rural youth, stay-at-home parents, and disabled individuals [3]

Core Viewpoint - Tianyang Technology (300872) emphasizes its commitment to focusing on its core business and ensuring business synergy in its investment strategy, which aligns with the general logic of industrial investment among A-share listed companies [1] Group 1: Investment Strategy - The company maintains that its external investments will strictly adhere to the principles of focusing on its main business and achieving business synergy [1] - Investments in areas such as pharmaceutical research and innovative cancer drugs are deemed unrelated to the company's core business, indicating a lack of business synergy [1] - The company plans to continue concentrating on its financial technology core business and will only invest in targets that provide business synergy and support long-term development [1]

Group 1 - The company, Tianyang Technology (300872.SZ), announced plans to acquire a portion of equity from Shanghai Tonglian Financial Services Co., Ltd., focusing on business collaboration in fintech, payment services, and digital banking solutions [2] - The collaboration aims to enhance the company's technical and service capabilities in payment clearing and consumer finance [2] - Currently, there is no business, equity, or any form of cooperation between the company and HashKey [2]