科技是品牌的硬支撑。海尔把以用户为中心、以科技为引擎的理念落到每一次创新中，这背后是开放的 全球化创新体系。目前，海尔在全球打造"10+N"开放式创新体系，链接超过百万名技术专家，能够快 速创新、快速验证、快速迭代。 深耕研发，满足高品质拍摄需求 把用户从旁观者变成共创者 本报记者王者 海尔推出的一机三筒洗衣机开启预售，48分钟销量就破万，现已交付20多万台。这款网友"许愿"、海 尔"接单"的产品，不是洗衣筒数量的简单叠加，而是把用户从"旁观者"变成"共创者"。随后，海尔又根 据用户的新需求推出了一机四筒洗衣机，创造多样化的洗护场景。 真正的创新，不仅是多做一点，更要贴近一点，越贴近用户需求，越能提振消费，助力高质量发展。今 年3月，海尔集团董事局主席、首席执行官周云杰开通了个人社交媒体账号。他表示，用户是最好的创 新者，开设账号是为了把海尔的管理体系、流程与用户需求高效打通，形成生态的力量。 把用户的小需求做成大产品，把好体验做成强品牌，这是海尔在企业创新和品牌构建过程中的新探索。 在国内，海尔以场景化、生态化供给持续升级，在全球则充分尊重差异化需求，以本土化创新赢得信 任。在欧洲，根据当地用户的需求，推出 ...

2015年1月，深圳。 时任总理李克强来到前海，在一台电脑前敲下回车键，一名卡车司机就拿到了3.5万元贷款。 这是微众银行的第一笔贷款业务。作为中国第一家互联网民营银行，诞生于互联网豪门，"掏空了平安甚至半个深圳金融界"的微众银行，被视为普惠金融创 新的最前沿。 这位从微众银行筹备时干起的"老将"，在苦等11年后，也终于坐上了行长之位。 只是这个位子并不好坐。微众银行平静的表面下，是十年狂奔里产生的各种风险，随时都会爆发。 虽是元老，黄黎明的行长之路，颇有些坎坷。 2014年7月，微众银行获批筹建之际，黄黎明是筹备组组长。 十年之后，微众银行不负众望，资产规模突破7000亿元，稳坐中国民营银行一哥的宝座。 但光芒之下，是浓重的阴影。 营收和净利润自2014年成立以来，首度出现"双降"； 继2024年被罚1387万元，成为民营银行罚单之最后，微众银行的合规问题仍未改善； 净息差显著走低，下沉市场风险日渐暴露，流量红利消退后，微众银行急需下一个增长点。 11月14日，黄黎明任职资格获批，这意味着微众银行正式迎来了第三任行长。 按照惯例，筹备组组长通常会在银行成立后担任一把手。但5个月后，微众银行开业时，行长却是" ...

Core Viewpoint - The appointment of Huang Liming as the new president of WeBank marks a significant leadership transition amid challenging performance and regulatory pressures, as the bank faces its first revenue and profit decline since its establishment [2][4][7]. Group 1: Financial Performance - WeBank reported a revenue of 18.963 billion RMB for the first half of 2025, a year-on-year decrease of 3.44%, and a net profit of 5.566 billion RMB, down 11.87% [8]. - This marks the first occurrence of simultaneous revenue and profit decline since the bank's inception in 2014, contrasting with a nearly 10% growth in total asset size, which reached 714.725 billion RMB [8]. - The bank's non-performing loan ratio increased to 1.57%, highlighting a deterioration in asset quality [7][13]. Group 2: Business Challenges - The core product, "Weilidai," is experiencing growth bottlenecks, with the number of new effective personal customers dropping significantly to 25 million in 2024, nearly halving compared to 2021 [8][12]. - The competitive landscape has intensified, with other banks offering consumer loan rates below 3%, making Weilidai's 7.2% rate less attractive [8]. - The total personal consumption loan balance decreased by 5.53% to 202.775 billion RMB by the end of 2024 [9]. Group 3: Regulatory and Compliance Issues - WeBank faced a fine of 1.05 million RMB for credit management violations, indicating compliance challenges that Huang Liming must address [13]. - The bank's complaint volume reached 58,498 in 2024, primarily related to Weilidai and micro-enterprise loans, reflecting pressure on post-loan management [14][16]. Group 4: Strategic Shifts - WeBank is transitioning from reliance on Tencent's ecosystem, which has become a competitor, as Tencent reduced its stake in the bank and launched competing products [17][18]. - The bank has initiated a restructuring to align with its vision of becoming an "AI-native bank," focusing on integrating AI technology into its operations [22]. - Huang Liming's challenge lies in innovating the traditional business model he helped establish while navigating the bank's current performance and risk landscape [22].

意见领袖丨中国金融杂志 作者 | 王忠民'全国社保基金理事会原副理事长'AI金融时代的来临，意味着从技术深耕到生态重构的深 度探索，使金融服务实现精准化、普惠化、生态化升级 AI金融时代的来临，意味着从技术深耕到生态重构的深度探索，使金融服务实现精准化、普惠化、生 态化升级。金融融入"AI原生"的新型经济模型，让产业增长具备自我加速、自我进化的能力。对居民而 言，智能客服的语义理解能力则让人力得以专注于处理更复杂的需求。这一转型本质上是金融从规模经 济向范围经济的跃迁，数据要素的边际成本趋近于零，实现"长尾服务"。构建"技术突破—数据治理— 伦理合规"的协同框架，重塑消费与金融服务模式，共同创造全新商业需求。这也正是国务院2025年8月 发布的《关于深入实施"人工智能+"行动的意见》赋予金融业推动人工智能与金融业务的深度融合，形 成"技术赋能金融、金融服务实体"的任务所在。在国内刚需与国际竞争日趋加剧的趋势下，AI时代的中 国金融品牌保持世界领先水平应有强烈的紧迫性。 AI成为推动银行品牌高质量发展的重要引擎之一 《关于深入实施"人工智能+"行动的意见》明确提出，到2027年金融领域智能终端普及率超70%，2 ...

Core Viewpoint - The new regulation mandates commercial banks to manage third-party cooperation lists for internet lending, effective from October 1, 2025, impacting foreign bank branches and other financial institutions [1]. Group 1: Regulatory Changes - Commercial banks are required to disclose and manage lists of platform operators and credit enhancement service providers through official channels [1]. - Banks are prohibited from collaborating with institutions not on the approved list for internet lending services [1]. Group 2: Current Practices - Many banks and consumer finance companies have begun to disclose their lists of marketing, credit enhancement, and collection service partners on their official websites [2]. - A review of 19 private banks revealed that 16 have disclosed their third-party cooperation lists, while some banks like Wenzhou Minsheng Bank have not found any third-party collaborations [3][4]. Group 3: Insights from Third-Party Collaborations - The disclosed cooperation lists show significant variation among private banks, reflecting their unique advantages and challenges [6]. - For instance, WeBank has the highest number of disclosed third-party collection service providers, totaling over 300 [9][10]. Group 4: Trends in Collaboration - Many mid-tier and smaller private banks rely heavily on mainstream pure lending platforms for their third-party collaborations, indicating a trend towards consolidation in the sector [12]. - Some banks, like Jincheng Bank and Fumin Bank, have minimal third-party collaborations, focusing instead on partnerships with major firms [13]. Group 5: Market Dynamics - The landscape of third-party cooperation among private banks is rapidly diversifying, with leading institutions becoming platforms for other financial entities [25]. - Mid-tier banks are facing profitability pressures, leading to a reduction in small and micro-enterprise loan collaborations [27][28].

Core Insights - Shenzhen Zhongke Cloud Information Technology Co., Ltd. (Zhongke Cloud) has gained international recognition as Canadian students purchased its domestic mini-host at a price exceeding the product's cost, highlighting the company's ambition to leverage Chinese technology for global expansion [1][4] - The challenges faced by small and micro enterprises like Zhongke Cloud in overseas markets stem from a conflict between market opportunities and funding constraints, particularly due to a lack of overseas collateral and cross-border credit history [1][5] Company Overview - Zhongke Cloud was established in 2018 with a mission to expand internationally, evolving from chip distribution to independent research and development of complete machines and circuit boards [4] - The company has achieved significant growth, with a revenue of 61 million yuan in 2024, reflecting a nearly 50% year-on-year increase, indicating the market potential for domestic technology products [4] Funding Challenges - Small and micro enterprises face common difficulties in overseas expansion, particularly in Hong Kong, where traditional financing requires local collateral and credit history, creating a significant barrier to accessing funds [5] - Zhongke Cloud has utilized digital financing products like WeBank's "Micro Business Loan" to secure credit in mainland China, but struggles to find similar support in Hong Kong [5] Technological Solutions - The launch of the Shenzhen-Hong Kong Cross-Border Data Verification Platform in May 2024 serves as a key solution to bridge the financing gap by allowing Hong Kong financial institutions to recognize credit information from mainland enterprises without requiring cross-border data transfer [6][8] - This platform enables a new financing model that does not rely on traditional collateral, significantly lowering the barriers for small and micro enterprises to access funding [8] Financial Ecosystem - The successful implementation of the "Overseas Loan" is a result of collaboration between WeBank and Fusion Bank, creating a complementary financial ecosystem that supports small and micro enterprises in their international endeavors [9][10] - WeBank focuses on domestic small and micro enterprises, while Fusion Bank leverages its international financial capabilities to meet the financing needs of businesses operating in Hong Kong and globally [9] Future Outlook - The collaboration between WeBank and Fusion Bank exemplifies a shift towards a unified financial ecosystem that supports the globalization of Chinese enterprises, with digital technology replacing traditional collateral as the basis for credit [12] - As the Greater Bay Area continues to integrate, this model is expected to empower more domestic technology companies to expand internationally, realizing the vision of "Chinese technology, benefiting the world" [12]

Core Insights - The article highlights the challenges faced by small and micro enterprises in China, particularly in securing financing for overseas expansion, which is crucial for their success in international markets [1][3]. Group 1: Company Overview - Zhongke Cloud, founded by Gong Wenbin, has transitioned from chip distribution to developing and selling complete machines and boards, achieving significant growth in a short period [2]. - The company recorded a revenue of 61 million yuan in 2024, marking a nearly 50% increase from the previous year, despite its relatively small size [2]. Group 2: Challenges in Overseas Expansion - Small enterprises often struggle with financing due to a lack of overseas assets that can serve as collateral, making it difficult to secure traditional loans [1][3]. - High costs associated with cross-border logistics and customs fees, along with long payment cycles for overseas orders, create cash flow pressures that deter companies from accepting larger orders [2][3]. Group 3: Financing Solutions - The introduction of "Overseas Loan" by Fuyuan Bank represents a breakthrough for small enterprises, allowing them to access loans without collateral or financial statements, thus addressing their financing challenges [3][4]. - The cross-border data verification platform launched in May 2024 enables efficient validation of credit information, facilitating loans of up to 2.7 million HKD for Zhongke Cloud [3][6]. Group 4: Financial Innovation and Collaboration - The collaboration between WeBank and Fuyuan Bank exemplifies innovative financial solutions tailored to the needs of small enterprises looking to expand internationally [5][6]. - The "Overseas Loan" model enhances credit access by converting domestic business credit into overseas financing capabilities, thus simplifying the loan process for small enterprises [6][7].

Core Insights - The implementation of the new regulations on internet lending by commercial banks is prompting foreign banks in China to disclose their internet loan cooperation partners [1][11] - Several foreign banks have announced their partnerships with various institutions, including major players like WeBank and Ant Group [2][3] Summary by Category Regulatory Context - The new regulations, effective from October 1, aim to enhance the management of internet lending by commercial banks, addressing issues such as inadequate management and consumer protection [11] - The regulations require banks to adopt a list management approach for their cooperation with platform operators and credit enhancement service providers [11] Foreign Banks' Partnerships - Fubon Bank (China) has the highest number of disclosed partners at 52, including WeBank and Haier Consumer Finance [3][4] - Other banks like Hana Bank (China) and Kiatnakin Bank (China) also reported significant partnerships, with 23 and 14 institutions respectively [3][5] - Standard Chartered Bank (China) has disclosed five partners along with specific products, such as "Micro Business Loan" in collaboration with WeBank [6][7] Product Offerings - Various foreign banks are diversifying their product offerings through partnerships, with East Asia Bank (China) collaborating with Ant Group for "Ant Credit Loan" and WeBank for "Micro Loan" [8][9] - The cooperation models vary, with some banks fully funding loans while others share the investment with partners [8] Market Trends - Foreign banks are increasingly focusing on corporate business, with some ceasing personal banking operations in mainland China [8][10] - Citibank and HSBC have previously divested their personal wealth management businesses in China, indicating a shift in strategy towards corporate clients [10] Challenges Faced - Foreign banks are encountering regulatory and localization challenges, with some facing penalties from regulatory authorities [10]

Group 1 - The core viewpoint of the articles emphasizes the need for enhanced financial consumer protection education for small and micro enterprises to combat illegal loan intermediaries that disrupt financial market order [1][3][6] - Micro enterprises play a crucial role in China's private economy, contributing to employment, economic growth, and market innovation [3] - The financial environment for small and micro enterprises has improved, with increased access to financing due to government initiatives and financial institutions' support [3][4] Group 2 - Micro enterprises are facing threats from illegal loan intermediaries that exploit their urgent financing needs, leading to fraud and disruption of normal financial order [3][4] - To combat these threats, WeBank has developed a prevention concept encapsulated in "ear sharp, eyes clear, heart steady," aimed at enhancing the ability of small enterprises to identify and resist fraud [3][6] - WeBank has organized various online and offline activities, including the production of anti-fraud videos and interactive exhibitions, to raise awareness and educate small business owners about financial safety [1][4][6] Group 3 - WeBank's micro loan product, "Weiyedai," has attracted 6 million applications, showcasing its effectiveness in providing convenient and efficient financing services to small enterprises [4] - The bank has conducted offline promotional activities in key areas of Shenzhen, enhancing communication between digital finance and small business owners [4][6] - A collaborative approach involving WeBank, local police, and media aims to transition from isolated efforts to a systematic governance model for combating illegal loan intermediaries [6]

Core Viewpoint - Foreign banks are quietly entering the Chinese consumer loan market, revealing their localization strategies through recent disclosures of internet loan partnerships [1][2]. Regulatory Changes - The new regulations on internet lending, effective from October 1, 2025, are prompting foreign banks to disclose their internet loan partners, reflecting a strategic shift in response to regulatory compliance [2][8]. Strategic Partnerships - Several foreign banks, including Hana Bank and Standard Chartered, have announced partnerships with various platforms for internet loans, indicating a clear strategic layout in the consumer credit market [3][4]. - Fubon Bank has the most diverse partnerships, collaborating with 52 institutions, including banks, consumer finance companies, and tech firms, showcasing a comprehensive ecosystem approach [4]. Diverse Business Models - The cooperation models among foreign banks are varied, including pure referral models, joint lending with shared risks, and guarantee enhancement services, reflecting differentiated strategies based on risk preferences [6][9]. - Major platforms like Ant Group and WeBank frequently appear in partnerships, indicating a preference for established players to enhance competitiveness and stability [6]. Challenges and Opportunities - Foreign banks face dual challenges in the Chinese market: high compliance costs and competition from local platforms that dominate customer acquisition [7]. - The new regulations present both challenges and opportunities, as they require banks to manage partnerships more carefully and focus on compliance to maintain reputation and asset quality [8][9].