12月30日早盘，跨境支付、数字货币板块表现活跃。截至10时02分，数字认证20cm涨停，翠微股份、 航天信息涨停，飞天诚信、拉卡拉等涨幅居前。 | (-CRS | 名称 | | FFFT | 涨幅% ↓ | | --- | --- | --- | --- | --- | | 603123 | 幸微股份 | 1 | 17.63 | 9.98 | | 300773 | 拉卡拉 | 1 | 28.50 | 7.18 | | 002152 | 广电运通 | # | 13.54 | 5.95 | | 688201 | 信安世纪 | | 14.32 | 4.91 | | 000997 | 新大陆 | | 28.34 | 4.34 | | 300130 | 新国都 | 事 | 27.98 | 3.36 | | 002987 | 京北方 | 事 | 21.45 | 3.13 | | 代码 | 名称 | | 最新 | 蛋糕帽 1 | | 300579 | 数字认证 | 1 | 35.75 | 20.01 | | 603123 | 幸微股份 | 1 | 17.63 | 9.98 | | 600271 | 航天信息 | 1 | ...

| 上证指数 深证成指 | 北证50 | | --- | --- | | 3965.28 13537.10 1456.45 | | | +1.60 +0.04% -66.80 -0.49% -6.59 -0.45% | | | 科创50 创业板指 | 万得全A | | 1346.32 3222.61 | 6413.01 | | +0.49 +0.04% -21.26 -0.66% -18.53 -0.29% | | | 沪深300 中证500 中证A500 | | | 4639.37 1 7430.61 5640.76 | | | -17.87 -0.38% -28.22 -0.38% -27.06 -0.48% | | | 中证1000 中证2000 中证红利 | | | 7594.16 3205.93 | 5501.74 | | -11.37 -0.15% -0.58 -0.02% -12.01 -0.22% | | | 行业板块 它 | | | 涨幅榜 资金净流入 | 5日涨幅榜 | | 化纤行业 林木 | 石油天然气 | | +3.93% +3.64% | +2.51% | | 燃气 多元金融 | 发 ...

以下文章来源于棱镜 ，作者吴遮 棱镜 . 腾讯新闻出品栏目，《棱镜》聚焦泛财经深度记录。 金钱流动。 作者/吴遮 编辑/孙春芳 来源/棱镜 (ID：lengjing_qqfinance) "只要一回到香港，就有一种到家的感觉。" 11月下旬，在香港中环的一个写字楼上，张 鹏（化名）看着窗外的维多利亚港颇为感叹地说。 他曾经是一位知名的创业者、投资人，身价超过1 0亿人民币。几年前，因为在国内的一 些纠纷，长期旅居在海外，新加坡是他经常去的地方。今年初，他决定回到香港，"在 新加坡时，虽然华人的氛围很浓厚，但自己始终都是一个游客。" 过去几年，中国富豪在新加坡扎堆的现象备受关注，但最近，这个现象正在发生逆转， 不少华人富豪开始逃离新加坡，并选择香港作为他们的"主场"。 1 2 月 1 2 日 ， 致 同 香 港 会 计 师 事 务 所 发 布 的 《 香 港 财 富 管 理 热 潮 ： 引 领 全 球 市 场 新 格 局 》 ， 引 发 了 不 小 的 关 注 。 根 据 这 份 报 告 ， 今 年 上 半 年 ， 资 产 超 过 3 0 0 0 万 美 元 的 高 净 值人士中，有1 7 2 1 5人在香港， ...

12月26日，由金融界主办的"启航·2025金融年会"在北京举行。本次年会以"新开局、新动能、新征程"为主题，来自政、商、学、研等领域的100多位嘉宾、 500余家金融机构和上市公司齐聚一堂，共赴这场思想盛宴。 第二，虚拟货币，特别是数字货币加速膨胀。美国把数字货币列为战略性储备资源，这对全球的货币体系、金融体系都将是重大的挑战。 第三，中国股市已经形成了一个慢牛趋势，但美国的股市泡沫正在加速堆积，去年已经突破经济学家所讲的38000点魔咒。 第四，金融衍生品存在的潜在风险可能在某一时点或在其他金融因素叠加下产生破裂。当下，全球159个国家已经进入去美元化浪潮，美国推出稳定币与美 元进行挂钩，以对抗去美元化浪潮。国际货币体系将会发生重大调整和变化。 财经频道更多独家策划、专家专栏，免费查阅>> 责任编辑：栎树 在本次大会上，中国国际经济交流中心学术委员会副主任、原总经济师陈文玲谈及了2026年乃至"十五五"期间，我们将会面临哪些国际上的"灰犀牛""黑天 鹅"等不确定事件，以及分析这类事件将会对我国经济乃至全球经济产生的冲击及影响。 陈文玲重点提及七大国际方面的风险，包括一些国家经济泡沫破裂的风险；全球货币体系 ...

党的二十届四中全会审议通过的《中共中央关于制定国民经济和社会发展第十五个五年规划的建议》 对"加快建设金融强国"作出部署，强调大力发展科技金融、绿色金融、普惠金融、养老金融、数字金 融。大力发展数字金融，是深化金融体制改革、促进数字经济和实体经济深度融合的重要保障。2024年 11月，中国人民银行等7部门联合印发的《推动数字金融高质量发展行动方案》提出，到2027年底，基 本建成与数字经济发展高度适应的金融体系。本期特邀专家围绕相关问题进行研讨。 数字金融创新成效显著 "十四五"期间，我国数字金融发展取得哪些重要成果？ 张伟（清华大学五道口金融学院院长助理）：数字金融具有双重内涵，既包括技术驱动的金融创新，也 涵盖金融体系的数字化转型。"十四五"时期，我国金融业数字化转型取得积极成果，金融服务数字经济 和促进数实融合成效显著，为构建"科技—产业—金融"良性循环提供了坚实支撑。 一方面，金融业以数字化转型提高金融产品与服务效能。持续完善政策框架，形成系统化、多层次的发 展指引。在《金融科技发展规划（2022—2025年）》《关于银行业保险业数字化转型的指导意见》《银 行保险机构数据安全管理办法》等一系列政策引领 ...

这份报告核心结论是2030年全球消费支付将发生深刻变革，支付会更便捷、无形化，但全球不会形成统一模式，而是根据"全球合作程度"和"创新采纳速 度"，分化出四种不同场景，各场景下支付生态、用户体验和行业挑战差异显著。 ### 一、2030年支付行业的整体趋势 1. 支付将变得"无形且智能" - 数字支付规模会持续扩大，2030年预计超33.5万亿美元（2024年为18.7万亿美元），年增速10.2%。 - 数字钱包会成为主流，2030年将占全球电商支付的66%、线下POS支付的45%，支付流程会嵌入购物全环节，不再是单独步骤。 - 生物识别（人脸、指纹等）替代密码、刷卡，实时支付成为常态，跨境支付可能像发消息一样便捷，数字货币（稳定币、央行数字货币等）会广泛应用。 2. 不确定性带来分化 - 地缘政治可能分裂全球支付体系，部分国家尝试脱离美元储备货币，影响现有交易规则。 - 各国监管框架、技术创新速度不一，导致不同地区支付方式竞争主导地位，不会出现全球统一的支付模式。 ### 二、四大未来场景：支付生态各有不同 报告以"全球合作程度"（是否与他国联动）和"创新采纳速度"（是否主动拥抱新技术）为核心，划分出四种场 ...

Group 1 - The article discusses the resurgence of concerns regarding the "AI bubble," drawing parallels to the internet bubble of 2000, as stated by Bill Gates, who emphasizes that while AI technology breakthroughs are real, many companies may be overspending without sustainable business models [2] - Major tech stocks in the U.S. experienced declines, with Tesla down 6.64%, Nvidia down 3.58%, and Microsoft down 1.54%, indicating market apprehension towards the AI sector [2] - Baidu's founder, Robin Li, mentioned at the Baidu World Conference that the AI industry is transitioning from an unhealthy "pyramid" structure to a healthier "inverted pyramid," where the value generated by applications must significantly exceed the costs of underlying technologies [2] Group 2 - The digital transformation is reshaping work patterns, social interactions, and wealth structures, with technologies like AI, blockchain, and the metaverse becoming increasingly relevant [3] - The digital ecosystem is complex, comprising not only familiar applications like social media and e-commerce but also advanced technologies such as AI and blockchain, which have their own operational rules and development logic [9] - The book "Digital World Survival Guide" aims to provide insights into navigating opportunities and pitfalls in the digital landscape, offering a framework for innovation and survival in the digital age [11]

Group 1 - The article discusses a strategy that has yielded an average annual return of 55% over the past years, with the author experiencing a doubling of their initial investment of 500,000 to just over 1 million this year, coinciding with a bull market [1] - The author expresses a sense of dissatisfaction despite the profits, feeling that the growth is slow and contemplating the long-term goal of achieving 20 million for retirement, which would require a 20-fold increase over 7 years [1] - Concerns are raised about the potential for significant drawdowns in the strategy, highlighting the uncertainty and emotional strain associated with long-term investing [1] Group 2 - There is a sentiment that a 55% annual return is perceived as slow compared to other high-risk investment opportunities, such as those in the cryptocurrency space, which can offer returns of 500% to 5000% [2][4] - Suggestions are made to consider leveraging investments to accelerate the path to retirement, indicating a preference for higher-risk strategies to achieve quicker financial freedom [3] - The article emphasizes the importance of having multiple strategies to ensure certainty in returns, as relying on a single strategy can lead to significant risks and emotional distress during market fluctuations [5] Group 3 - The discussion includes the notion that the pursuit of future wealth can sometimes serve as a distraction from current dissatisfaction with life, suggesting that individuals should focus on addressing present issues rather than solely fixating on retirement goals [7][8] - It is noted that the current market conditions may not sustain the same level of returns in the future, indicating a need for realistic expectations regarding long-term investment performance [9] - The article concludes with reflections on the nature of investment returns, suggesting that the focus should be on the journey and personal growth rather than just the end financial goal [14]

Group 1 - The core viewpoint of the article is that QH.US has entered into a strategic partnership with Topliquidity Management to enhance its blockchain and digital currency strategy, aiming to boost global business expansion [1] - Following the announcement, QH.US shares fell over 7% in pre-market trading, indicating market skepticism or caution regarding the partnership's immediate impact [1] - Analysts suggest that the market is likely waiting for more concrete information regarding the implementation and financial implications of the strategic collaboration [1]

Core Insights - China is at the forefront of developing and applying legal digital currencies, with significant advancements in theoretical design, technical architecture, and application scenarios [1] - The transition from concept validation to large-scale application of digital currencies is underway, with notable growth in their use in cross-border trade and local payments [2][3] - Digital currencies are seen as a new pathway for the internationalization of the Renminbi, especially in light of concerns over the global penetration of the US dollar [4] Group 1: Digital Currency Development - The People's Bank of China and other global monetary authorities are exploring a multilateral cooperation model for central bank digital currencies (CBDCs), enabling real-time cross-border payments [2] - The digital Renminbi has been successfully integrated with Hong Kong's "Faster Payment System," enhancing cross-border payment capabilities [2] - The rapid expansion of digital currency applications in emerging markets is positioning them as a tool for value preservation and risk hedging [2] Group 2: Challenges in Implementation - The complexity of international trade processes presents challenges for the widespread adoption of digital currencies, necessitating seamless integration of various systems [5] - Regulatory clarity is lacking in some regions, which hampers the large-scale application of digital currencies [6] - There is a significant gap in understanding and trust regarding digital currencies among traditional enterprises and individuals, which needs to be addressed for broader acceptance [6] Group 3: Future Opportunities - The attractiveness of the digital Renminbi will increase with its accessibility and convertibility in broader markets [7] - The upcoming financial environment, with expected lower US benchmark interest rates, may boost the demand for cross-border financing using digital currencies and real-world asset tokenization [7] - The internationalization of the Renminbi hinges on providing quality assets denominated in Renminbi, particularly in sectors where China has competitive advantages, such as renewable energy [8]