7月5日，全球最大、全国首座乐高乐园正式开园。 据该行相关负责人介绍，自2019年上海乐高乐园度假区落"沪"以来，建设银行上海市分行便凭借专业金 融服务方案在同业竞争中脱颖而出，成为项目主要信贷合作银行，为初期融资提供关键支持。2021年项 目公司成立当日，建行金山石化支行即为其开立基本户；2022年5月，建设银行上海市分行牵头通过"云 签约"方式完成首笔银团贷款协议签署，并开通绿色服务通道，仅用两周时间完成前期筹备，为项目复 工提供资金支持。 如今，上海乐高乐园度假区如期开园，建设银行上海市分行在便捷支付方面持续发力，在移动支付和刷 卡支付的基础上，协助上海乐高乐园度假区全面推广使用数字人民币，共同创建大型主题乐园数字人民 币典型应用场景。据了解，双方还将合作发行上海乐高乐园主题数字人民币硬钱包，游客使用数字人民 币硬钱包在乐园商户收款终端上"贴一贴"即能完成支付。 这座拥有八大主题区的乐园，内设超75个互动骑乘设施、表演和玩乐景点以及由超8500万块乐高积木拼 搭的数千个乐高模型，开园首日即迎来大批游客到访。 《金融时报》记者了解到，建设银行（601939）是该项目唯一 收 单合作银行。 围绕国内外游客的 ...

平安银行：同意本行与董事、监事、高级管理人员及其相关关联方开展关联交易 金十数据7月3日讯，平安银行公告，本行第十二届董事会第四十一次会议审议通过了《关于与董事、监 事、高级管理人员及其相关关联方关联交易的议案》，同意本行与董事、监事、高级管理人员及其相关 关联方开展一般性存款、支付结算、信用卡、个人贷款、购买金融产品等授信类、资产转移类、服务 类、存款和其他类型等日常金融产品或服务关联交易。但如前述交易单笔或累计达国家金融监督管理总 局重大关联交易或深圳证券交易所需披露的关联交易要求的，仍需根据法规要求履行单笔关联交易审议 流程（国家金融监督管理总局规定可以豁免审议的除外）。 ...

Core Viewpoint - The logistics industry plays a crucial role in connecting production and consumption, significantly impacting national economic and social development. The continuous growth of the e-commerce sector has led to an expansion of the logistics market in China, with digital freight platforms emerging as key drivers for the intelligent development and resource optimization of the logistics sector [1]. Group 1: Industry Development - The logistics industry in China is experiencing rapid upgrades driven by digital integration of capacity resources, which is essential for the sector's transformation [1]. - The emergence of digital freight platforms is a response to the growing market size of the logistics industry, fueled by the booming e-commerce sector [1]. Group 2: Company Initiatives - A logistics company in Hebei has developed a smart logistics platform utilizing advanced technologies such as big data, IoT, and cloud computing to facilitate the digital transformation of the traditional freight industry [2]. - The company faced significant financial pressure due to increased settlement demands as its business scaled, prompting the bank to design a specialized financing solution that provided a quick loan of 10 million yuan to alleviate funding pressures [2]. Group 3: Financial Services Innovation - The bank has created an integrated payment settlement and account management system tailored to the logistics platform, enabling real-time settlement of freight payments, which supports the company's digital transformation [3]. - The comprehensive services provided by the bank not only address the funding challenges during the company's growth phase but also leverage financial technology to enhance the platform's operational capabilities [3]. - The bank's initiatives reflect a broader strategy to integrate financial services with technological innovation, aiming to support the transformation and high-quality development of the logistics industry in Hebei [3].

大连银行自贸平台依托上海自贸区创新政策优势，借力自贸外汇改革试验田，聚焦自贸特色产品与服 务，经过5年多的不懈努力，目前已成为跨境支付结算、跨境投融资、跨境交易等领域独具特色的专业 化、综合性一站式服务平台。 大连银行于2019年获得上海自贸区分账核算单元业务资质，是全国第9家拥有此类资质的城市商业银 行，也是东北地区唯一一家拥有该项资质的地方性银行。截至2024年末，大连银行上海自贸平台资产规 模突破220亿元人民币，在城商行梯队中位列第4。 探索服务模式创新。一方面，大连银行充分发挥自由贸易账户金融服务功能，遵循"一线放开、二线管 住"的监管要求，助力资金在上海自贸试验区与境外之间依法有序自由流动，便利自贸区内市场主体合 规开展跨境贸易投融资业务。另一方面，大连银行以数字化转型提升跨境服务质效，自主搭建了外币资 金管理系统、自贸分账核算单元外币资金系统等一系列智能化系统，逐步将线下操作移至线上，有效防 控操作风险，大幅提升了自贸平台客户结算汇兑以及境外债投资操作的便利性。 融入"一带一路"建设。大连银行充分发挥自贸区账户功能优势，深度融入"一带一路"建设。聚焦集成电 路、生物医药、人工智能等高新技术产业， ...

近日，银行在零售市场的两则消息引发广泛关注。 一边部分银行主动暂停赔本的车贷高息返佣生意。与此同时，据媒体报道，面对年中"压力山大"的消费 贷考核任务，一些银行员工不惜通过同行"互贷"来冲业绩。 "一停一冲"看似是相反的方向，源头都指向了当下银行零售业务的疯狂内卷，最终导致了前者被迫叫停 和后者被迫营业。 贴息的返佣车贷生意，本质上是为争夺更多客户，抢占市场份额。但这种"赔钱赚吆喝"的模式不具备可 持续性，特别在商业银行面临息差收窄压力的背景下，只能徒增银行的经营成本，累积金融风险，导致 汽车金融市场的无序竞争。 员工"互换贷款""自掏腰包贴息"等现象，本质上是银行内卷在绩效考核和业务执行层面的具象化表现。 这些行为不仅透支员工精力、扭曲服务本质，更通过数据造假、成本错配等方式积攒风险隐患。 更为重要的是，内卷背后，直指同质化竞争加剧的困境。 可以看到，为抢占市场份额，不少银行盲目跟风推出相似的金融产品，无论是理财产品，还是信贷业 务，都缺乏独特性。在客户争夺上，银行也不惜投入大量资源进行价格战、规模战，压缩自身利润空 间，却难以真正吸引并留住客户。这种低水平的重复竞争，不仅造成了资源的浪费，也削弱了银行的创 ...

锐智开高：工业物联的隐形引擎 聚焦物联网与边缘计算，锐智开高在临港新片区的智慧港口建设中大显身手。其5G+AI集装箱调度系统 将故障响应速度提升50%；为长三角新能源汽车生产线部署的设备预测性维护平台，故障率降低40%。 技术纵深体现在毫秒级响应的边缘计算框架，某汽车零部件厂商的智能仓储系统通过其供应链协同平 台，实现库存周转率提升18%。 更值得关注的是其产学研协同模式——与上海交大共建"工业数字化联合实验室"，推动国产工业软件在 多协议兼容、碳中和监测等领域的技术突围。 技术生态构建者：多元路径赋能产业 1. 百度智能云：AI驱动的智能化引擎依托百度大脑的AI能力，在自然语言处理、图像识别领域表现突 出。其语音识别技术助力某汽车品牌APP操作效率提升50%，风控模型显著降低金融欺诈风险。云端一 体化开发工具正降低算法部署门槛，加速企业智能化进程。 在数字化转型的浪潮中，上海作为科技创新的前沿阵地，孕育了一批以技术深耕与场景落地见长的软件 开发力量。这些企业不再局限于单一技术输出，而是深入产业肌理，成为实体经济的数字化伙伴。 锐智互动：全场景数字化的架构师 从上海自贸区起步，锐智互动以"技术+场景"双轮驱动 ...

近年来，金融机构在消费领域持续发力，通过消费信贷、支付结算、场景金融、数字化服务等多元化手 段，为居民消费升级、中小微企业纾困、乡村振兴等提供了关键支撑。在取得显著成效的同时，金融机 构也正围绕区域发展均衡性、服务场景覆盖广度、风险防控机制健全性等关键环节持续优化。 有鉴于此，新浪财经特发起"金鼎奖·金融助力消费优秀案例评选"，旨在挖掘优秀实践案例，推广可复 制的金融助力消费模式，促进消费市场活力提升与经济高质量发展 一、征集范围与类别 征集对象：银行机构、保险机构、消费金融公司、支付机构等 征集类别： 1）消费场景创新类 案例方向：线上线下融合场景（如智慧菜场、商圈数字化）、信用卡分期场景（如家电、汽车分期）、 文旅消费生态圈等 参考案例：A机构打造"智慧菜场生态圈" 2）支付便利化类 案例方向：App支付优化、跨境支付服务、数字人民币应用等 参考案例：A银行数字人民币"智能合约"支付系统、C险企实现车险理赔"秒级到账"支付服务 3）消费信贷创新类 案例方向：个人消费贷款产品（新市民安居贷/绿色家电贷）、保险金融融合产品、信用卡权益活动等 参考案例：E险企"新能源汽车贷保一体化"方案（车贷+保险+充电补贴） ...

Group 1: Company Highlights - Ruizhi Interactive Technology Co., Ltd. focuses on financial technology and industrial IoT, with a cross-border payment platform processing over 100,000 transactions daily and improving settlement efficiency by 30% [3] - Ruizhi Kai High Technology Co., Ltd. enhances high-end manufacturing and smart city construction, achieving over 85% accuracy in equipment fault prediction and reducing maintenance costs by 20% [4] - Alibaba Cloud participates deeply in Shanghai's smart city development, optimizing traffic signal timing to reduce congestion duration by 12% during peak hours [5] - Tencent develops a full-line operation simulation system for Shanghai Metro, reducing fault response time by 35% [6] - JD Technology implements an intelligent warehousing management system in Shanghai, decreasing manual intervention frequency by 60% [7] Group 2: Industry Trends - The Shanghai software development industry is experiencing two major trends: technology-driven scenario deepening and regional collaborative ecosystem building [8] - By 2025, Shanghai's software industry is projected to grow by 38% compared to 2022, with industrial software and AI companies accounting for 32% of the total [8] - The integration of AI and blockchain technologies in finance, manufacturing, and logistics is leading to differentiated solutions [8] Group 3: Future Outlook - Shanghai's software development companies are empowering the real economy through technological innovation and ecological collaboration [9] - The application of emerging technologies such as quantum computing and 5G-A may position Shanghai more strategically in the global innovation landscape [9]

Investment Rating - The report maintains an "Accumulate" rating for the company [5] Core Views - The company has shown improvement in liability volume and pricing, with a positive growth rate in fee income [2] - The net interest margin decline has narrowed, primarily due to improved liability costs [2] - The company is expected to leverage its wealth management and investment banking advantages in a more active capital market [3] Performance Summary - For Q1 2025, the company's operating revenue, PPOP, and net profit attributable to shareholders decreased by 3.58%, 4.35%, and 2.22% year-on-year, respectively [1] - The net interest margin for Q1 2025 was 1.80%, down 7 basis points year-on-year, but the decline has narrowed compared to previous quarters [2] - The company experienced a recovery in fee income growth, which turned positive at 9.38% after a significant decline in the previous year [2] Non-Interest Income - The company reported a 21.5% year-on-year decline in other non-interest income for Q1 2025, impacted by market interest rate adjustments and high base effects [3] - Fee income growth rebounded significantly from a decline of 9.88% in the previous year to a growth of 9.38% in Q1 2025 [30] Asset Quality - The non-performing loan (NPL) ratio stood at 1.08% in Q1 2025, slightly up from the previous quarter [2] - The provision coverage ratio was 233.42%, down 4.36 percentage points from the previous quarter, indicating stable asset quality [2] Financial Data and Valuation - The company is projected to achieve total operating revenue of 214.974 billion in 2025, with a year-on-year growth of 1.3% [4] - The estimated net profit attributable to shareholders for 2025 is 80.092 billion, reflecting a growth of 3.7% [4] - The current stock price is 21.02 yuan, with a target valuation based on the company's financial performance [5]

2025年政府工作报告将"大力提振消费、提高投资效益，全方位扩大国内需求"放在了政府工作任务的首 位，并提出了实施提振消费专项行动的具体措施。在此背景下，如何通过创新金融产品、优化服务、深 化普惠金融等方式，有效激发消费潜力、提升消费品质、助力实体经济发展，已成为金融行业服务国家 战略的重要命题。 近年来，金融机构在消费领域持续发力，通过消费信贷、支付结算、场景金融、数字化服务等多元化手 段，为居民消费升级、中小微企业纾困、乡村振兴等提供了关键支撑。在取得显著成效的同时，金融机 构也正围绕区域发展均衡性、服务场景覆盖广度、风险防控机制健全性等关键环节持续优化。有鉴于 此，新浪财经特发起"金鼎奖·金融助力消费优秀案例评选"，旨在挖掘优秀实践案例，推广可复制的金 融助力消费模式，促进消费市场活力提升与经济高质量发展。 案例方向：App支付优化、跨境支付服务、数字人民币应用等 参考案例：A银行数字人民币"智能合约"支付系统、C险企实现车险理赔"秒级到账"支付服务 一、征集范围与类别 征集对象：银行机构、保险机构、消费金融公司、支付机构等 征集类别： 1）消费场景创新类 案例方向：线上线下融合场景（如智慧菜场、商圈数 ...