每经AI快讯，据国家金融监督管理总局网站12月26日消息，国家金融监督管理总局印发《银行业保险 业数字金融高质量发展实施方案》。方案指出，加快发展"人工智能+金融"。鼓励有条件的金融机构加 强人工智能安全开发应用，建设企业级人工智能平台，对模型需求开发、训练测试、部署运行、评估退 出等实施集中管理和运营，支持算法模型系统化和平台化服务，提高人工智能建模及安全应用能力。积 极构建人工智能金融领域开发应用生态，加快形成金融应用优势领域。 ...

Group 1 - The Shenzhen Stock Exchange has announced a reduction in fees for 2026, with an expected total reduction exceeding 800 million yuan, covering various financial products including stocks, funds, and bonds [1] - The measures include waiving listing fees for companies and funds, transaction fees for bonds (excluding convertible bonds), and halving the service fees for online voting at shareholder meetings [1] Group 2 - As of the end of Q3 2025, China's financial institutions reported total assets of 531.76 trillion yuan, a year-on-year increase of 8.7%, with the banking sector's assets at 474.31 trillion yuan, growing by 7.9% [2] - The securities sector's assets reached 17.05 trillion yuan, marking a 16.5% increase, while the insurance sector's assets were 40.4 trillion yuan, up by 15.4% [2] Group 3 - The risk reserve ratio for personal public funds is expected to be lowered, as current regulations require a minimum of 20% of management fee income for personal funds, compared to 10% for non-personal funds [3] - This adjustment aims to alleviate constraints on the development of personal public fund companies [3] Group 4 - The lithium battery industry in China is projected to see a total investment exceeding 820 billion yuan in 2025, with over 282 investment projects, reflecting a year-on-year growth of over 74% [4] Group 5 - The SSD and HDD markets are expected to experience significant growth by 2026, with manufacturers advised to strengthen collaborations with major clients and plan for capacity expansion [5] Group 6 - Various regions in China have introduced additional subsidies for automobile sales, totaling over 1.1 billion yuan, as part of efforts to boost the car market before the year's end [6] Group 7 - The price of platinum has surged to a historical high, leading to a shortage of available stock in the Shenzhen market, with consumers needing to place orders and wait for delivery [7] Group 8 - Luckin Coffee is reportedly considering acquiring Blue Bottle Coffee, with no official comments from either party regarding the speculation [8] Group 9 - Midea Building Technology has announced a price increase of 5% across all product lines due to rising raw material costs, effective from December 15, 2025 [9] Group 10 - Annoqi has decided to terminate its investment in a 50,000-ton dye intermediate project due to significant changes in market conditions and related industry policies [11] - The company had initially planned to invest 421 million yuan in the project, with 43.26 million yuan already spent [11] Group 11 - Shengyi Electronics has adjusted its share repurchase price limit to not exceed 144.36 yuan per share, while other terms of the repurchase plan remain unchanged [12] Group 12 - China Electric Research has proposed a cash dividend of 2.5 yuan per 10 shares for the first three quarters of 2025 [13] Group 13 - Weiteou has signed a strategic cooperation agreement with Huairuixin Energy to develop new materials and applications, establishing a joint laboratory for product development [14] Group 14 - Zhuolang Intelligent plans to increase its wholly-owned subsidiary's capital by 900 million yuan, utilizing self-owned funds and fixed assets [15] Group 15 - Zhenhua Heavy Industry has signed a contract worth 1.149 billion yuan with Guangzhou Salvage Bureau for the construction of a deep-water crane vessel [16] Group 16 - Huayin Technology's subsidiary has signed a framework agreement worth 392 million yuan for the processing of aircraft engine components [18] Group 17 - The Shanghai Composite Index recorded a slight increase of 0.1%, marking an eight-day consecutive rise, with significant trading volume and active market sectors [19]

Core Viewpoint - The implementation plan for the high-quality development of digital finance in the banking and insurance sectors emphasizes the need for digital and intelligent transformation in regulatory practices, aiming to enhance regulatory capabilities through technology and data utilization [3][4]. Group 1: Background and Context - The plan is a response to the Central Financial Work Conference's directive on digital finance, which highlights the importance of seizing opportunities while ensuring security in financial services [4]. - The plan aims to address challenges faced by financial institutions in digital governance, service delivery, and risk prevention, thereby promoting high-quality development in digital finance [4]. Group 2: Relationship with Previous Guidelines - The plan builds upon the previous guidelines issued in January 2022, which focused on strategic planning and organizational processes for digital transformation in financial institutions [5]. - It introduces new elements such as "Artificial Intelligence+" and "Data Elements×", expanding the scope of digital finance development and regulatory requirements [5]. Group 3: Key Areas for Digital Financial Services - The plan identifies eight key areas for advancing digital financial services, including support for technology-driven enterprises, advanced manufacturing, green economy, small and micro enterprises, and rural revitalization [6]. - It emphasizes the need for tailored financial products in public services and the integration of digital finance in trade and regional development strategies [6]. Group 4: Role of New Technologies - The plan encourages the development of "Artificial Intelligence+Finance" and the establishment of enterprise-level AI platforms to enhance modeling and application capabilities [7]. - It calls for improved technology research and development capabilities, advocating for a market-oriented approach to technology sharing among financial institutions [7]. Group 5: Data Utilization and Governance - The plan outlines requirements for enhancing data governance and management within financial institutions, focusing on compliance and risk prevention [8]. - It promotes the establishment of a secure and trustworthy data ecosystem, encouraging the sharing and utilization of cross-industry data while ensuring data security [8]. Group 6: Risk Management in Digital Finance - The plan stresses the importance of strategic risk management during digital transformation, ensuring alignment with institutional development strategies and risk control capabilities [9]. - It advocates for the construction of intelligent risk management systems and the enhancement of AI application safety [9]. Group 7: Regulatory Digital Transformation - The plan integrates regulatory digital transformation as a key focus, aiming to enhance the digital and intelligent capabilities of regulatory practices [10]. - It emphasizes the need for improved data standards and management in regulatory reporting, as well as the establishment of a robust regulatory infrastructure [11].

Core Viewpoint - The Financial Regulatory Administration has released the "Implementation Plan for High-Quality Development of Digital Finance in the Banking and Insurance Sectors," emphasizing the need for financial institutions to effectively unleash the potential of data elements while ensuring risk prevention and compliance [1][2]. Group 1: Data Governance - Strengthening enterprise-level data governance systems is essential, which includes establishing comprehensive data governance policies, mechanisms, and processes, as well as building a data asset management system to enhance data resource management capabilities [1][2]. - Improving data standards and quality control mechanisms is a key focus to ensure effective data governance [1][2]. Group 2: Data Application - Promoting high-level, large-scale application of financial data is encouraged, with a push for financial institutions to build enterprise-level data platforms that coordinate data service capabilities and lower technical barriers for data application [1][2]. - There is an emphasis on enhancing employees' data utilization skills across the organization [1][2]. Group 3: Data Ecosystem and Security - Constructing a secure and trustworthy data ecosystem is vital, with encouragement for financial institutions to actively participate in the national "data element ×" initiative, integrating various cross-industry data to amplify the effects of data elements [1][2]. - The plan also highlights the importance of data security as a prerequisite for unleashing data potential, aligning with the regulatory requirements outlined in the "Data Security Management Measures for Banking and Insurance Institutions," particularly focusing on enhancing data security for digital channels like apps and mini-programs [1][2].

Core Viewpoint - The Financial Regulatory Administration has released the "Implementation Plan for High-Quality Development of Digital Finance in the Banking and Insurance Industries," which emphasizes the integration of digital and intelligent transformation into key regulatory work, outlining major initiatives to enhance digital regulatory capabilities [1][3]. Group 1: Process Optimization - The plan aims to significantly enhance the digital and intelligent levels of key regulatory processes such as market access, off-site supervision, on-site inspections, and administrative penalties, leveraging data technology to maximize the value of data elements and support the construction of "five major regulatory" capabilities [1][3]. Group 2: Technological Empowerment - There will be an increased application of artificial intelligence and big data technologies, enriching the toolbox for penetrating supervision, improving the foresight of financial risk monitoring and early warning, and enhancing the ability to identify, warn, expose, and address risks early [1][3]. Group 3: Regulatory Big Data Construction - The plan includes the establishment of a unified standard, collection, and management of regulatory data through the "one table for all" approach, improving the completeness, accuracy, and timeliness of regulatory data; it also aims to diversify big data sources to strengthen risk monitoring and dynamically capture abnormal behaviors of market entities [1][3]. Group 4: Regulatory Infrastructure - The plan emphasizes the integration and strengthening of computing resources, optimization of network architecture, and establishment of security protection and intelligent operation and maintenance systems to provide a safe and reliable infrastructure for the digital and intelligent transformation of regulation [2][4]. Group 5: Talent System Support - The digital transformation of regulation requires a supporting talent system, focusing on cultivating composite talents who understand technology, data, and regulatory business, enhancing regulatory personnel's data modeling and analysis capabilities through systematic training, and building a talent team for intelligent regulation [2][4].

根据《实施方案》，未来五年，银行业保险业数字金融发展的主要目标是数字化转型取得积极进展，数 字技术的驱动支撑能力和数据要素的价值转化能力显著增强，在数字金融治理、数字金融服务、数字技 术应用、数据要素开发、数字风险防控等方面取得显著进步；深入探索挖掘数字技术和数据要素创新应 用场景，持续提升对科技、绿色、普惠、养老等重点领域的金融服务质效，加大对重大战略、重点领 域、薄弱环节的金融支撑，形成一批可复制推广的数字金融良好实践，推动资源配置更加优化，促进金 融服务扩面、提质、增效；高效推动监管数字化智能化转型，提升监管穿透能力，全面支撑"五大监 管"能力建设，助力金融监管"长牙带刺"、有棱有角。 在服务先进制造业发展方面，《实施方案》明确，积极运用数字技术提供首台（套）重大技术装备、首 批次新材料等保险补偿服务，增强安全风险防范能力。 《实施方案》还明确，支持区域协同发展。为区域内产业转型升级和多元化发展提供投融资支持和保险 保障。 北京商报讯（记者 胡永新）12月26日，国家金融监督管理总局发布《银行业保险业数字金融高质量发 展实施方案》（以下简称《实施方案》）。 《实施方案》明确，支持科技型企业创新成长。探索 ...

Group 1 - The core viewpoint of the article is the issuance of the "Implementation Plan for High-Quality Development of Digital Finance in the Banking and Insurance Industries" by the National Financial Supervision Administration, emphasizing the promotion of digital infrastructure [1] - The plan supports large financial institutions in sequentially laying out and accelerating the construction of multi-level, multi-location, and highly available data centers that adapt to online business and massive data storage [1] - It highlights the forward-looking layout of intelligent computing power network facilities, prioritizing deployment at national hub nodes of the "East Data West Computing" project [1] Group 2 - The initiative promotes the construction of green data centers and aims to continuously increase the proportion of green electricity usage [1] - It encourages the cloud-based management of infrastructure, leveraging new-generation mobile communication technology and the Internet of Things to establish secure external connections [1] - The plan aims to build a new generation of operational maintenance systems that adapt to distributed architecture and digital transformation, while improving the security application management mechanism for infrastructure [1]

Group 1 - The core viewpoint of the article emphasizes the implementation of a high-quality development plan for digital finance in the banking and insurance sectors, focusing on advancing digital infrastructure [1] Group 2 - The plan encourages large financial institutions to progressively layout and accelerate the construction of multi-level, multi-location data centers that are suitable for online business, massive data storage, and distributed computing [1] - It highlights the importance of forward-looking deployment of intelligent computing network facilities, prioritizing the establishment of these at national hub nodes in the "East Data West Computing" project [1] - The initiative promotes the construction of green data centers and aims to continuously increase the proportion of green electricity usage [1] - It advocates for cloud-based management of infrastructure and the utilization of new-generation mobile communication technologies and the Internet of Things to establish secure external connections [1] - The plan aims to build a new generation of operational maintenance systems that adapt to distributed architecture and digital transformation, while also improving the management mechanisms for infrastructure security applications [1]

12月26日金融一线消息，国家金融监督管理总局办公厅印发《银行业保险业数字金融高质量发展实施方 案》。方案提出，深化小微企业金融服务。拓展小微企业物流、资金流、信息流数据应用，结合工商税 务等外部数据完善智能授信算法模型。建设小微金融线上化综合服务平台，合规开展审批、签约、抵质 押办理等线上化业务流程。鼓励中小金融机构充分发挥比较优势，构建符合自身特色的小微企业数字金 融生态圈。 责任编辑：王馨茹 12月26日金融一线消息，国家金融监督管理总局办公厅印发《银行业保险业数字金融高质量发展实施方 案》。方案提出，深化小微企业金融服务。拓展小微企业物流、资金流、信息流数据应用，结合工商税 务等外部数据完善智能授信算法模型。建设小微金融线上化综合服务平台，合规开展审批、签约、抵质 押办理等线上化业务流程。鼓励中小金融机构充分发挥比较优势，构建符合自身特色的小微企业数字金 融生态圈。 责任编辑：王馨茹 ...

Core Viewpoint - The National Financial Supervision Administration has issued a plan to promote high-quality development in digital finance within the banking and insurance sectors, focusing on supporting the innovation and growth of technology-based enterprises [1][2]. Group 1: Support for Technology Enterprises - The plan emphasizes the importance of supporting technology-based enterprises, particularly those characterized by "high technology, high growth, and light asset" features [1][2]. - A large data set will be established to create profiles for these enterprises, aiding in their identification and assessment [1][2]. Group 2: Approval Efficiency and Risk Management - The implementation of intelligent approval credit models is proposed to enhance the efficiency of the approval process [1][2]. - For clients who do not pass online approval, a supplementary offline application channel will be provided [1][2]. - The plan also explores the development of insurance products related to data assets and cybersecurity to provide risk protection for technological innovations [1][2].