【环球网财经报道 记者谭雅文】数字金融浪潮正加速重塑全球金融生态。在人工智能、量子计算等前沿技术驱动下，金融服务模式、风控体系正向智能 化、生态化发展阶段演进。12月4日，"2025中关村论坛系列活动——数字金融与科技金融大会"召开，会上发布的《中国金融科技与数字金融发展报告》 （以下简称《报告》），系统梳理了全球金融科技发展态势，解读了当前发展的核心特征与未来趋势，为行业创新与实践提供了参考。 据了解，此次会议由中关村金融科技产业发展联盟、中关村互联网金融研究院联合主办，中关村国际会展运营管理有限公司、蚂蚁科技集团股份有限公司协 办。会上，中关村互联网金融研究院院长刘勇发布《报告》时表示，中国金融科技市场的整体发展优于预期，人工智能发展从"大模型"迈向AI Agent，量子 科技成为新一轮经济增长点，金融科技出海迈向生态构建与全球价值链重塑新阶段。 金融科技发展回顾 2025年，银行业数字化转型呈现四大特征，即AI驱动的"智慧银行"全面深化、银行数据资产化、全域场景金融与生态融合发展以及产业数字金融与普惠金融 服务创新。《报告》显示，银行业数字化转型投入保持增长态势，2024年国有六大行金融科技投入超125 ...

Core Viewpoint - The company, 永恒策略 (00764), has announced a consulting agreement with its wholly-owned subsidiary Nexora, which will last for 24 months, involving the issuance of stock options at an exercise price of HKD 1.01 per share [1] Group 1 - The company will issue a total of 76.39 million stock options, which represents approximately 20.00% of the total shares issued as of the announcement date and about 16.67% of the total shares after the issuance [1] - Upon full exercise of the stock options, the estimated total proceeds for the company will be approximately HKD 77.2 million, with a net amount of about HKD 76.9 million [1] - The proceeds from the stock options are intended to be used for the development of blockchain services and general working capital for the group [1]

Core Viewpoint - The company has entered into a consultancy agreement for a period of 24 months, which involves the issuance of share options that could significantly impact its capital structure and funding for blockchain services [1] Group 1: Consultancy Agreement - The company’s wholly-owned subsidiary, Nexora, has signed a consultancy agreement with a consultant [1] - The agreement is set for a duration of 24 months [1] Group 2: Share Options - The company will issue share options allowing the purchase of a total of 76.39 million shares at an exercise price of HKD 1.01 per share, subject to adjustments [1] - Upon full exercise of the share options, the total number of shares to be issued will represent approximately 20.00% of the total shares outstanding as of the announcement date and about 16.67% of the total shares outstanding after the issuance [1] Group 3: Financial Projections - The estimated gross proceeds from the exercise of the share options are approximately HKD 77.2 million, with net proceeds expected to be around HKD 76.9 million [1] - The company plans to utilize the proceeds for the development of blockchain services and general working capital [1]

Core Viewpoint - SoFi Technologies is rapidly growing and aims to become a top-10 U.S. financial institution within the next decade, with its stock having increased over 450% in the past three years [1]. Group 1: Company Growth and Ambitions - SoFi has $36 billion in assets, which is less than one-tenth the size of the 10th-largest bank in the U.S. [2] - The company added a record 850,000 new members in the second quarter, representing a 34% year-over-year increase [3]. - Revenue growth accelerated to 44% year-over-year in the second quarter, driven by strong network effects as new customers are attracted to the platform [5]. Group 2: Target Market and Services - SoFi targets students and young professionals with an all-online platform that offers essential banking services tailored to a digital-first generation [3]. - The company is continuously adding new services, including cryptocurrency trading and blockchain-based solutions, to appeal to its target clientele [4]. - Currently, 90% of SoFi Money deposits are set up through direct deposit, indicating strong engagement with its platform [7]. Group 3: Competitive Landscape - The largest U.S. banks have trillions in assets, with JPMorgan Chase leading at $3.8 trillion, while SoFi is significantly smaller at $36 billion [6]. - As SoFi continues to grow and attract more customers, it has already surpassed several banks in its rankings and aims to jump over approximately 45 banks to reach the top 10 [10].

Group 1: Core Insights - Blockchain technology in China has transitioned from conceptual exploration to large-scale application, achieving breakthroughs in key areas such as government services, supply chain finance, and public welfare, becoming a significant engine for digital transformation [2] - The number of blockchain enterprises in China has exceeded 14,000, with core patent applications accounting for over 60% of the global total, and technology applications covering 45 key areas of the national economy [2] Group 2: Government Services - Blockchain technology is addressing inter-departmental collaboration challenges, with Beijing's "Blockchain + Government Services" platform enabling 140 services to be processed on-chain, reducing processing time by over 70% [3] - Guangdong Province has launched a "Blockchain + Electronic Certificate" system, allowing citizens to access over 200 types of electronic credentials via mobile, significantly reducing paper submissions by over 120 million [3] - The immutable nature of blockchain provides a trustworthy environment for data sharing, enhancing government governance efficiency [3] Group 3: Supply Chain Finance - Blockchain is reshaping the supply chain finance ecosystem, with Shanghai's "Ticket Payment" platform reducing financing costs by over 40% through core enterprise credit extension to upstream and downstream SMEs [5] - In the automotive sector, BYD's "On-chain Supply Chain" platform has provided financing services to over 5,000 suppliers, shortening loan processing time from 7 days to 2 hours [5] - Blockchain's smart contracts automate transaction terms, reducing manual intervention and moral hazards, offering new solutions to SMEs' financing challenges [5] Group 4: Public Welfare - Blockchain traceability systems for food safety have been implemented across all 31 provincial-level administrative regions, with JD's platform connecting over 2,000 brands, leading to a 65% reduction in counterfeit complaints [6] - Tencent's "Trust Chain" has protected over 12 million digital works' copyrights, allowing creators to register rights in 3 minutes, improving infringement dispute resolution efficiency by 90% [6] - Blockchain technology provides low-cost, high-efficiency solutions for intellectual property rights confirmation and protection, significantly promoting the creative economy [6] Group 5: Technological Breakthroughs - China's blockchain foundational technology continues to advance, with Ant Group's "FAIR" blockchain framework processing 300,000 transactions per second, reaching an internationally leading level [7] - Huawei's "Blockchain Service" platform has been deployed in 50 countries and regions, having passed national information security level protection certification [7] - China is transitioning from a technology follower to a rule-maker, having led the formulation of international standards such as the "Blockchain Privacy Protection Specification" [7] Group 6: Future Directions - Blockchain technology is deeply integrating with new-generation information technologies like artificial intelligence and the Internet of Things, giving rise to new business models such as "Blockchain + Industrial Internet" and "Blockchain + Dual Carbon" [7] - The Ministry of Industry and Information Technology plans to promote pilot applications of blockchain in energy and transportation sectors, accelerating the construction of a self-controllable industrial ecosystem [7] - As technology matures, blockchain is expected to become a core infrastructure for high-quality development of China's digital economy [7]