技术价值的终极试金石在于商业成果的量化兑现。马上消金通过"AI+场景"的深度融合，将技术势能精 准转化为降本增效的动能。在营销端，基于用户行为序列的深度分析，使得精准营销转化率提升超过 40%，有效对冲了流量成本高企的行业困境；在运营与贷后环节，AI机器人已能处理80%的标准化任 务，释放出的人力专注于复杂、高价值的客户服务与风险处置，人效提升显著。更为关键的是，AI重 塑了信用评估的边界。针对传统征信的"白户"群体，"天镜"模型整合多元替代数据（如数字足迹、消费 【文/羽扇观金工作室】 2025年，消费金融行业在强监管与市场出清中步入深度分化期。告别野蛮生长的"规模竞赛"，持牌机构 的核心命题转向如何实现可持续的"价值创造"。 在此背景下，马上消费金融股份有限公司（下称"马上消金"）以其清晰的科技主线、深化的普惠实践与 稳健的财务表现，勾勒出一条头部机构的差异化突围路径。 从发布驱动认知革命的"天镜"大模型3.0，到公司章程修订获监管核准，这家植根重庆的消费金融公 司，正通过技术、业务与治理的协同共振，构建穿越周期的韧性。 从效率工具到认知核心，构建智能驱动飞轮 在消费金融竞争下半场，技术已从后台支撑角色跃 ...

来源：新浪证券-红岸工作室 12月17日，重庆银行跌0.54%，成交额8081.86万元，换手率0.39%，总市值380.81亿元。 异动分析 高股息精选+乡村振兴+西部大开发+举牌 1、重庆银行最近3年的股息率分别为：5.83%，5.86%，4.46% 2、公司互动平台回复：2021年，本行推出与区县财政和政府性担保公司合作支持农业基础设施的"乡村 振兴贷"，创新抵质押方式支持生猪养殖产业的"生猪活体抵押贷款"，推动"两山两化?好企助农贷"纳入 全市金融科技赋能乡村振兴示范工程，联合承销重庆东北部地区超短期乡村振兴融资券。本行将加大对 新型农业经营主体的信贷支持，依托"1 2 N普惠金融到村"、民营小微企业和个体工商户首贷续贷中心 等平台，加强营销力度，强化与重庆市农业融资担保集团有限公司等政府性担保公司的合作，共同推进 新型农业经营主体融资服务。 3、公司注册地址为重庆市江北区永平门街6号 4、近一年来，公司获重庆市地产集团有限公司举牌，举牌人持股占总股本的6.53%。 (免责声明：分析内容来源于互联网，不构成投资建议，请投资者根据不同行情独立判断) 该股筹码平均交易成本为9.97元，近期筹码关注程度减弱 ...

在深耕大蒜产业之外，邳州农商银行还将金融服务延伸至肉鸡养殖、冰糖葫芦等地方特色领域。在新河 镇，该行积极参与"双增收，一起富"行动，为肉鸡产业链的企业、养殖户和共建村提供全方位金融支 持。在"冰糖葫芦第一村"四王村，客户经理驻村走访，精准对接村民需求，配套"乡村振兴贷"等专项产 品。一位冰糖葫芦制作能手在金融支持下购置真空包装机、完成质检认证，年销售额从50万元跃升至 200万元，并带动8位村民实现就业增收。 聚焦服务创新，从"能办理"到"懂需求" 邳州农商银行持续推进网点转型，将传统交易场所升级为综合化、智能化、场景化的金融服务枢纽。通 过完善机具配置、优化岗位设置、提升人员素质，增设多种智能设备，打造集智能服务与专业指导于一 体的精品网点。在业务高峰时段，灵活增设弹性窗口，增派业务引导员协助客户使用自助渠道。此外， 成立"小圆金融服务队"主动为行动不便或有特殊需求的客户提供上门服务，真正将柜台延伸到田间地 头、客户家中。 从"金融输血"到"信用造血"，邳州农商银行通过将金融服务、科技赋能、产业支撑、文化培育有机融 合，探索出一条具有邳州特色的农村信用体系建设之路，持续为乡村振兴注入新动能。今后，邳州农商 ...

来源：新浪证券-红岸工作室 12月2日，重庆银行涨1.51%，成交额1.08亿元，换手率0.50%，总市值397.84亿元。 异动分析 高股息精选+乡村振兴+西部大开发+举牌 1、重庆银行最近3年的股息率分别为：5.83%，5.86%，4.46% 资金分析 今日主力净流入-344.99万，占比0.03%，行业排名7/17，连续3日被主力资金减仓；所属行业主力净流 入-2.04亿，连续3日被主力资金减仓。 区间今日近3日近5日近10日近20日主力净流入-344.99万-1118.10万-1182.39万-4132.21万-6970.32万 主力持仓 主力没有控盘，筹码分布非常分散，主力成交额2245.67万，占总成交额的3.75%。 技术面：筹码平均交易成本为9.89元 该股筹码平均交易成本为9.89元，近期该股有吸筹现象，但吸筹力度不强；目前股价靠近支撑位11.43， 注意支撑位处反弹，若跌破支撑位则可能会开启一波下跌行情。 2、公司互动平台回复：2021年，本行推出与区县财政和政府性担保公司合作支持农业基础设施的"乡村 振兴贷"，创新抵质押方式支持生猪养殖产业的"生猪活体抵押贷款"，推动"两山两化?好企助农 ...

Core Viewpoint - Chongqing Bank has shown a stable dividend yield and is actively involved in rural revitalization and regional development initiatives, which may present investment opportunities. Group 1: Financial Performance - Chongqing Bank's dividend yields over the past three years were 5.83%, 5.86%, and 4.46% respectively [2] - For the period from January to September 2025, the bank reported a net profit attributable to shareholders of 4.879 billion yuan, representing a year-on-year growth of 10.19% [6] Group 2: Business Initiatives - The bank has launched various financial products to support agricultural infrastructure and rural revitalization, including "Rural Revitalization Loans" and "Live Pig Collateral Loans" [2] - Chongqing Bank is enhancing its credit support for new agricultural operators and collaborating with local government financing guarantee companies [2] Group 3: Market Activity - On November 28, Chongqing Bank's stock price increased by 0.72%, with a trading volume of 94.08 million yuan and a market capitalization of 38.915 billion yuan [1] - The stock has seen a net outflow of 5.9655 million yuan from main funds today, indicating a lack of strong buying interest [3][4] Group 4: Shareholder Information - Chongqing Bank has been subject to a stake increase by Chongqing Real Estate Group Co., Ltd., which now holds 6.53% of the total shares [2] - As of September 30, the number of shareholders increased to 36,300, reflecting a 6.17% rise [6]

Core Viewpoint - The integration of ecological governance and green finance in the Kubuqi Desert has transformed it from an ecological threat to a model of sustainable development, significantly reducing sediment flow into the Yellow River and creating employment opportunities for local communities [1][2][3]. Group 1: Ecological Governance and Financial Support - The Kubuqi Desert, covering an area of 2,116 million mu, has seen a reduction in sediment flow from 27 million tons to 4 million tons due to comprehensive management efforts [1]. - The innovative governance model in Ordos City emphasizes government leadership, financial support, enterprise involvement, and community participation, leading to a successful ecological revolution [1][2]. - In the first half of the year, the People's Bank of China in Ordos issued low-cost loans totaling 1.01 billion yuan for integrated photovoltaic projects aimed at desertification control, resulting in a carbon reduction of 41,580 tons [2]. Group 2: Project Implementation and Impact - The successful integration of photovoltaic projects in the Kubuqi Desert has led to a projected annual power generation of over 1.8 billion kWh, replacing approximately 600,000 tons of standard coal and reducing CO2 emissions by about 570,000 tons [2][3]. - The first completed project in the region, a 500,000 kW photovoltaic initiative, has effectively reduced wind speed by 40% and sand dust migration by 65% through various ecological measures [3]. - Financial institutions have provided comprehensive support, with total credit exceeding 5 billion yuan for photovoltaic desertification control projects, including 130 million yuan in low-cost funds [3]. Group 3: Innovative Financial Products - The People's Bank of China in Ordos has promoted innovative financial products such as "desertification loans" and "rural revitalization loans" to support long-term desertification projects [4]. - A loan of 2 million yuan was issued to a local agricultural company under favorable interest rates and government subsidies, enabling the company to manage 4,000 mu of desert land and create over 50 jobs [4][5]. - The Industrial and Commercial Bank of China has developed a "desertification loan" product to address funding challenges faced by cooperatives and collective economic organizations involved in ecological projects [5][6].

Core Viewpoint - Fujian Construction Bank is enhancing its support for green finance and rural revitalization through innovative financing solutions, focusing on unique agricultural industries and ecological resources in Fujian province [1][2][3][4][5][6][7] Group 1: Financial Support and Innovations - As of the end of October, Fujian Construction Bank's agricultural loan balance reached nearly 130 billion yuan, with over 110 unique agricultural industries benefiting from specialized financing services [1] - The bank has provided over 500 million yuan in "Rural Revitalization Loans" to support farmers like Zhang Wenyue, helping them reduce financing costs and invest in green agricultural technologies [2] - The bank has developed a comprehensive financing solution for forestry projects, offering 118 million yuan in loans for a 16-year period, facilitating the transformation of ecological resources into economic value [4][6] Group 2: Agricultural and Ecological Development - The bank's "Financial Spring Rain" initiative has supported over 80,000 farmers in Fujian, promoting the growth of various agricultural sectors, including mushrooms, aquaculture, and tea [3] - Fujian Construction Bank has engaged in carbon finance initiatives, such as the "Carbon Credit Loan" model, to enhance the financial attributes of forestry and promote sustainable practices [5][6] - The bank has established a rural property rights trading platform, facilitating transactions exceeding 5.8 billion yuan, covering 42 counties in Fujian and extending to neighboring provinces [5][6] Group 3: Tourism and Rural Revitalization - The bank has launched tailored "Rural Homestay Loans" to support the development of tourism in rural areas, enabling local businesses to upgrade their facilities and attract more visitors [6][7] - Fujian Construction Bank has invested over 30 billion yuan in loans related to the forestry industry, benefiting more than 1,000 stakeholders in the sector [6] - The bank's comprehensive financial services have contributed over 30 billion yuan in loans to support the integration of agriculture, culture, and tourism, enhancing the appeal of rural areas to tourists [7]

Core Viewpoint - Chongqing Bank's stock has shown a slight decline of 0.98% on November 5, with a trading volume of 175 million yuan and a total market capitalization of 38.533 billion yuan [1] Group 1: Dividend and Financial Support Initiatives - Chongqing Bank's dividend yields over the past three years were 5.83%, 5.86%, and 4.46% respectively [2] - The bank has launched various financial products to support rural revitalization, including "Rural Revitalization Loans" and "Live Pig Collateral Loans" to enhance agricultural infrastructure [2] - The bank aims to increase credit support for new agricultural entities and strengthen partnerships with local government financing guarantee companies [2] Group 2: Shareholding and Market Activity - Chongqing Real Estate Group has acquired a stake in Chongqing Bank, holding 6.53% of the total shares [2] - The bank's main trading activity shows a net outflow of 6.0621 million yuan today, with no significant trend in major funds [3][4] Group 3: Technical Analysis - The average trading cost of Chongqing Bank's shares is 9.73 yuan, with the current stock price fluctuating between resistance at 11.38 yuan and support at 10.95 yuan [5] Group 4: Company Overview - Chongqing Bank, established on September 2, 1996, primarily provides corporate and personal banking services, with 75.09% of revenue from corporate banking, 16.94% from personal banking, and 7.72% from funding operations [6] - As of September 30, the number of shareholders increased by 6.17% to 36,300, with an average of 53,243 circulating shares per person, a decrease of 6.01% [6] - For the period from January to September 2025, the bank reported a net profit of 4.879 billion yuan, reflecting a year-on-year growth of 10.19% [6] Group 5: Dividend Distribution - Since its A-share listing, Chongqing Bank has distributed a total of 6.88 billion yuan in dividends, with 4.229 billion yuan distributed over the past three years [7]

Core Viewpoint - Ordos City, as a significant energy and strategic resource base in China, is facing intense competition among local banks, prompting the Inner Mongolia Rural Commercial Bank to adopt a differentiated development strategy to enhance its financial services and support local economic growth [1] Group 1: Financial Performance and Market Position - As of the end of September, Inner Mongolia Rural Commercial Bank's total assets reached 159.74 billion yuan, with total deposits of 154.399 billion yuan and total loans of 71.773 billion yuan, leading the banking sector in Ordos [1] - The bank aims to establish a "characteristic development" model by focusing on the unique economic features of Ordos, particularly in coal and cashmere industries [1] Group 2: Industry Collaboration and Service Model - The bank has implemented a list management and upgraded service model for key enterprises in the modern coal chemical and cashmere industries, establishing partnerships with 28 core enterprises [2] - A "chain + cluster" financial service model has been developed, with loan balances for coal and cashmere industry clusters at 14.551 billion yuan and 1.658 billion yuan, respectively [2] Group 3: Financial Accessibility and Community Engagement - The bank operates 263 outlets and employs 3,214 staff, accounting for 40.1% and 40% of the local banking sector, respectively, emphasizing the integration of financial services into daily life [3] - A comprehensive outreach initiative has visited 86,500 rural households and 112,300 small businesses, with rural household loans totaling 21.698 billion yuan and inclusive loans at 14.089 billion yuan [4] Group 4: Customized Financial Products - The bank has shifted its focus from product-centered to customer-centered approaches, offering tailored financial products such as the "Rural Revitalization Loan" with a total issuance of 1.16 billion yuan [8] - The "Jinfeng·Huinong Loan" and its sub-products have provided 1.223 billion yuan in loans, while the "Huishang Yidai" and "Individual Mengxindai" products have issued 2.26 billion yuan in loans [8] Group 5: Integration of Party Building and Business - The bank promotes deep integration of party building with business operations, establishing a cooperative mechanism with local government and enterprises to enhance financial service efficiency [9] - A financial system party building cultural practice education base has been created to facilitate cooperation among financial institutions in Ordos [10]

Core Viewpoint - Chongqing Bank's stock has shown a positive trend with a 2.11% increase on October 28, 2023, and a total market capitalization of 37.074 billion yuan [1] Group 1: Dividend and Financial Support - Chongqing Bank's dividend yields over the past three years were 5.83%, 5.86%, and 4.46% respectively [2] - The bank has launched various financial products to support rural revitalization, including "Rural Revitalization Loans" and "Live Pig Collateral Loans" [2] - The bank aims to enhance credit support for new agricultural entities and strengthen cooperation with government-backed financing guarantee companies [2] Group 2: Shareholding and Market Activity - Chongqing Real Estate Group has acquired a stake in Chongqing Bank, holding 6.53% of the total shares [2] - The bank's main trading activity shows a net outflow of 7.5431 million yuan today, with a lack of clear trends in major funds [3][4] Group 3: Technical Analysis - The average trading cost of Chongqing Bank's shares is 9.66 yuan, with the current stock price fluctuating between resistance at 10.72 yuan and support at 10.62 yuan [5] Group 4: Company Overview - Chongqing Bank, established on September 2, 1996, primarily provides corporate and personal banking products and services [6] - The bank's revenue composition includes 75.09% from corporate banking, 16.94% from personal banking, and 7.72% from funding operations [6] - As of September 30, the number of shareholders increased by 6.17% to 36,300, with an average of 53,243 shares per shareholder [6] Group 5: Dividend Distribution - Since its A-share listing, Chongqing Bank has distributed a total of 6.88 billion yuan in dividends, with 4.229 billion yuan distributed over the last three years [7]