Core Viewpoint - The People's Bank of China (PBOC) is enhancing financial support for the coordinated development of the Beijing-Tianjin-Hebei region, focusing on advanced industries and technological innovation [1][2] Group 1: Financial Policy and Coordination - The PBOC's coordination mechanism for the Beijing-Tianjin-Hebei region has achieved positive results since its establishment, with improved policy frameworks and work mechanisms [1] - Financing scale in key areas has steadily increased, and the regional financial service system has been continuously improved [1] Group 2: Technological Innovation and Financial Services - The region is home to a significant amount of China's technological innovation achievements, necessitating a focus on technology finance to support high-level self-reliance and the transformation of technological achievements [1] - Financial services will be enhanced in areas such as regional industrial chain collaboration and supply chain integration [1] Group 3: Industry Integration and Financial Support - Industrial integration is identified as a key support for the coordinated development of the region, with a focus on financial support for areas like the decongestion of non-capital functions in Beijing, the construction of Xiong'an New Area, and the integration of transportation [2] - Innovation in financing products such as credit and bonds is encouraged, along with improvements in credit, payment, and digital currency services to facilitate the flow of financial resources within the region [2]

会议指出，京津冀协同发展人民银行三地协调机制自成立以来，推动金融支持京津冀协同发展取得积极 成效。政策框架和工作机制更加健全，重点领域融资规模稳步增长，区域金融服务体系不断完善。 会议认为，京津冀地区集聚了我国大量科技创新成果，要着重做好科技金融"大文章"，重点围绕高水平 科技自立自强、科技成果转化和应用、区域产业链供应链协同等领域做好各项金融服务，持续深化科技 金融服务能力建设，更好支持京津冀三地先进产业协同提质升级。 会议强调，产业一体化是京津冀协同发展的实体内容和关键支撑，要持续做好重点领域金融支持工作， 以北京非首都功能疏解、雄安新区和北京城市副中心建设、京津冀交通一体化、京津冀生态环境保护等 方面为要点，积极创新信贷、债券等融资产品模式，不断优化征信、支付、数字人民币等领域金融服务 水平，推动金融资源在京津冀地区合理流动，更好助力京津冀协同发展全方位、高品质深入推进。 ● 本报记者 欧阳剑环 中国人民银行北京市分行11月20日消息，中国人民银行北京市分行、天津市分行、河北省分行近日在京 联合召开2025年京津冀协同发展人民银行三地协调机制会议暨金融支持京津冀三地先进产业协同提质升 级工作推进会。会议 ...

（文章来源：第一财经） 据中国人民银行北京市分行消息，11月14日，中国人民银行北京市分行、天津市分行、河北省分行在京 联合召开2025年京津冀协同发展人民银行三地协调机制会议暨金融支持京津冀三地先进产业协同提质升 级工作推进会。会议强调，产业一体化是京津冀协同发展的实体内容和关键支撑，要持续做好重点领域 金融支持工作，以北京非首都功能疏解、雄安新区和北京城市副中心建设、京津冀交通一体化、京津冀 生态环境保护等方面为要点，积极创新信贷、债券等融资产品模式，不断优化征信、支付、数字人民币 等领域金融服务水平，推动金融资源在京津冀地区合理流动，更好助力京津冀协同发展全方位、高品质 深入推进。 ...

Core Insights - The former governor of the People's Bank of China, Zhou Xiaochuan, emphasized that AI represents a significant marginal change in the financial sector, building on historical advancements in information processing, IT, and automation [1] Group 1: AI's Impact on Banking - The banking system has accumulated vast amounts of data that can be utilized for machine learning and deep learning, transitioning from traditional models to intelligent reasoning models [3] - Unlike other industries, banks have primarily relied on big data analysis and reasoning models, leading to a unique development trajectory in the future [3] - The workforce in the banking sector is expected to be significantly impacted and reduced due to these advancements in AI [3] Group 2: Changing Customer Behavior - Customer interactions with banks are evolving, with more individuals becoming accustomed to engaging with machines rather than human representatives [3] - This shift is profound, as AI plays a crucial role in payments, pricing, risk management, and market promotion within the banking industry [3] Group 3: AI and Central Banking - Zhou noted that the influence of AI on central banking operations requires further observation and research [4] - Discussions at the Bank for International Settlements (BIS) indicated that while AI and machine learning can enhance macroeconomic policy responses, their overall importance remains limited [4] Group 4: Challenges of AI Implementation - The development of AI, particularly machine learning and deep learning, introduces challenges such as model opacity, making it difficult to explain outcomes [4] - There is a concern that AI models trained on high-frequency data may not align with the long-term stability required for financial robustness and macroeconomic control [4] Group 5: International Cooperation on AI - Current international cooperation efforts related to AI are deemed limited, with a focus on enhancing AI infrastructure in the financial sector being a potential area for collaboration [5]

Core Insights - Fidelity National Information Services, Inc. (FIS) has received a price target reduction from Raymond James, decreasing from $95 to $88, while maintaining an Outperform rating following Q2 2025 earnings [1][3] Financial Performance - FIS reported a slight 1% sales beat, with adjusted earnings per share meeting estimates. Adjusted EBITDA margins remained the same as the previous year, falling short of expectations for a 20 basis point increase [2] - The company has a current P/E ratio of 45.33, supported by a 2.92% revenue growth over the past year [2] Margin Guidance - Raymond James highlighted weaker-than-expected margin guidance for Q3, projecting only 60 basis points of growth compared to the anticipated 150 basis points, leading to a downward revision of the full-year margin forecast [3] - Following the price target adjustment, FIS shares experienced an 8% decline, reflecting investor concerns regarding competitive and pricing dynamics [3] Future Outlook - Despite ongoing challenges, Raymond James maintained its Outperform rating, noting that FIS's full-year guidance for FX-adjusted organic revenue and adjusted EPS remains largely intact, aided by minor interest and tax tailwinds [4] - FIS operates as a global financial technology company, providing a range of solutions including banking, payments, risk management, compliance, wealth, and trading [4]

商业资讯 业务拓展与多元布局 图片来源：fintechnews.hk 编辑｜Sandra 1 高估值的融资历程 图片来源：airwallex Airwallex联合创始人Lucy Liu在接受《金融评论报》采访时表示， 公司将在明年内准备进行首次公开募股（IPO），但能否进行取决于股市状况。自美国 特朗普政府发动全球贸易战以来，股市一直动荡不安。不过，目前公司融资成功但并未上市，资金充足，因此专注于发展业务，希望IPO成为新征程的起 点，而非业务的高潮。 2 过去四年，Airwallex在美洲和欧洲、中东和非洲地区实现了加速增长，两个地区的 毛利润复合年增长率均超过250%。继获得巴西支付机构牌照并获准完 成对墨西哥支付服务提供商MexPago的收购后，Airwallex准备在 拉丁美洲最大的两个经济体推出服务。在 欧洲，Airwallex最近在巴黎开设了新办事处， 并在伦敦和阿姆斯特丹招聘了一系列高级管理人员。在 中东，Airwallex在阿联酋的阿布扎比和迪拜完成了首批招聘，并在以色列继续保持强劲增长。 新一轮F轮融资将用于拓展Airwallex的全球基础设施，进军新市场，并"完善和扩展"其企业软件。 A ...