近日，天津市政府办公厅印发《天津市推动数字贸易创新发展的实施方案》(以下简称《实施方案》)， 提出5方面19项重点任务，促进天津实体经济和数字经济深度融合，塑造对外贸易发展的新动能、新优 势。 在促进数字贸易细分领域发展方面，开发"数字+"服务贸易应用场景，促进数字金融、在线教育、远程 医疗、数字化交付的专业服务等数字服务贸易创新发展；引导服务外包加快数字化转型；引育"来数加 工""数据知识工厂"等数字服务新业态项目，探索"数字保税"新模式。此外，拓展数字技术贸易，发展 数字订购贸易，提升国际贸易数字化水平。 在壮大数字贸易主体和载体方面，发挥天开高教科创园等载体孵化作用，培育一批数字贸易优质企业和 潜力企业；鼓励电商平台、经营者、配套服务商等各类主体做大做强，选育一批有创新能力和影响力的 数字服务企业和出海领军企业。同时，引聚行业优质企业，建强数字贸易载体平台，创建国家服务贸易 创新发展示范区和数字贸易示范区，依托天津经济技术开发区打造国际数字服务港，依托中新天津生态 城开辟数字文化出海渠道，依托天津国家中医药服务出口基地探索远程诊疗、智能诊疗等"中医药+数 字"服务消费新模式。 围绕提升数字贸易开放治理水 ...

Core Insights - The 2026 campus recruitment for banks has begun early, with major banks like China Merchants Bank and Shanghai Rural Commercial Bank announcing recruitment plans to secure talent for key positions [1] - Banks are increasingly focusing on recruiting technology talents, particularly in artificial intelligence and big data analysis, to enhance their digital and technological capabilities [2][5] Recruitment Trends - Major banks are launching targeted recruitment initiatives, including summer internship programs, to connect with students and prepare for future hiring [1][3] - Shanghai Rural Commercial Bank's recruitment for 2026 includes positions related to software development, AI, and data governance, with a preference for candidates with STEM backgrounds [2] - China Merchants Bank's technology subsidiary has opened positions for various technical roles, offering competitive salaries exceeding 10,000 yuan per month [2] Internship Programs - Summer internship programs are becoming a crucial mechanism for banks to reserve technology talents, creating a pathway from internships to full-time positions [3] - China Construction Bank offers incentives for outstanding interns, such as exemptions from written tests and interviews for successful candidates [3] - Industrial Bank is also focusing on technology internships, emphasizing the importance of performance in securing future employment [3] Importance of Technology Talent - The integration of technology talents is essential for banks to establish advantages in risk control and product innovation [4] - The demand for digital talents in the banking sector is shifting from traditional IT roles to those specializing in AI and big data [5][6] - Smaller banks can leverage digital financial investments to overcome resource limitations and create competitive advantages in niche markets [5] Future Outlook - The recruitment of technology talents in banks is expected to grow in scale and depth, with a focus on advanced technologies like quantum computing and AI [6] - The need for cross-disciplinary talents, particularly those with expertise in both finance and AI, will increase significantly [6] - Banks are likely to evolve their recruitment strategies from merely filling positions to building ecosystems that foster sustainable talent supply [6]

Core Insights - Digital trade is a new trade form aligned with the development of the digital economy, leveraging digital technologies for the transmission, transaction, and consumption of products or services, becoming a new trend in international trade and a growth point for the economy [1][2] Digital Trade Growth - From 2021 to 2023, global digital trade volume increased from $6.02 trillion to $7.13 trillion, with an annual growth rate of 8.8%, and its share of total international trade rose from 19.6% to 22.5% [1] - In China, the export and import volume of digitally deliverable services reached $385.9 billion in 2023, accounting for 41.4% of total service trade [1] Types of Digital Trade - Digital trade can be categorized into four types: digital product trade (e.g., videos, games), digital service trade (e.g., software outsourcing, digital finance), digital technology trade (e.g., cloud computing, AI), and data trade (e.g., data collection and processing) [2][3] Impact on Service Trade - Digital trade significantly reduces transaction costs and expands the range and geographical scope of service trade, allowing for rapid global delivery of services with minimal costs [3] - Platform enterprises are becoming the main organizers and providers of service trade, enhancing global production and supply chains [3] Growth in New Service Trade - Digital trade has led to the emergence of new service trade forms, with notable growth in digital product trade, where cultural and entertainment service exports are projected to grow by 39.3% in 2024 [4] - The scale of digitally deliverable services has shown a continuous surplus since 2019, with expectations for this segment to account for over 45% of total service trade by 2029 [4] Future Outlook - The development of service trade through digital trade is expected to enhance the quality and resilience of China's foreign trade, necessitating a policy framework that supports high-quality development driven by digital trade [5][6]

Core Viewpoint - The article emphasizes the importance of finance as a core component of the modern economy and its role in driving high-quality economic development in China during a critical period of economic transformation and upgrading [1][2]. Group 1: Financial Support Areas - The Central Financial Work Conference highlights five key areas for financial support: technology finance, green finance, inclusive finance, pension finance, and digital finance, which are essential for achieving high-quality development and optimizing the economic and financial structure [1][2]. - The book "The Road to a Financial Power: How to Write and Implement the 'Five Major Articles'" provides a comprehensive overview of these five areas, analyzing their development practices and significant achievements [1][2]. Group 2: Expert Insights and Recommendations - Experts at the seminar discussed the necessity of understanding the five major areas to promote high-quality development in the financial system, emphasizing the importance of aligning with the Central Financial Work Conference's spirit [2][3]. - The book offers specific supportive measures and policy recommendations aimed at helping various stakeholders, including government officials, researchers, and entrepreneurs, to better understand central decisions and industry trends [3].

Group 1 - The 9th China-South Asia Expo and the 29th China Kunming Import and Export Fair were successfully held in Kunming, Yunnan from June 19 to June 24, 2025 [1] - Industrial and Commercial Bank of China (ICBC) Yunnan Branch acted as a strategic partner and provided sponsorship support for the expo, aiming to assist Yunnan in becoming a radiation center towards South Asia and Southeast Asia [3] - ICBC Yunnan Branch set up a payment facilitation service desk at the expo to assist foreign guests with payment services, including currency exchange and product consultations [5] Group 2 - The expo featured a new "Living in Yunnan" pavilion, where ICBC Yunnan Branch was the only bank focusing on elderly finance, hosting a promotional event on pension financial services [7] - ICBC Yunnan Branch offered 187 selected investment products for individual pension contributors, creating a product matrix of "stable savings + diversified investment + long-term protection" [7] - The bank also introduced a one-stop elderly-friendly service combining online and offline support, including low-position ATMs and a mobile banking version designed for seniors [7] Group 3 - ICBC Yunnan Branch continued to participate in the Trade Worry-Free platform, providing clients with consultations and services related to settlement, financing, foreign exchange, and digital finance [9] - The bank has leveraged Yunnan's geographical advantages to enhance its financial services, particularly in supporting the Belt and Road Initiative and cross-border settlement services for provincial enterprises [10] - The expo serves as an important platform for promoting economic and cultural exchanges between China and South Asian countries, with ICBC Yunnan Branch committed to contributing more financial support for the modernization of Yunnan [10]

Group 1: Potential for China-Europe Financial Cooperation - The potential for China-Europe financial cooperation is significant, particularly in establishing a global unified and actionable green standard system [1][4] - The cooperation has evolved from mutual benefit in trade and investment to a more profound partnership aimed at shaping the future together, sharing development opportunities, and addressing global responsibilities [2][3] - The current global economic landscape presents challenges, with risks evolving from isolated incidents to chain reactions, necessitating a collaborative approach between China and Europe [2][3] Group 2: Currency and Economic Integration - There is a broad space for deepening cooperation between the Renminbi and the Euro, especially in the context of the Belt and Road Initiative, which could lead to a strategic "China-Europe Regional Economic Community" [3][4] - The internationalization of the Renminbi is supported by China's technological advancements and competitive products, which provide a long-term economic foundation for currency appreciation [5][6] - The interaction between high-level corporate internationalization and Renminbi internationalization is mutually reinforcing, enhancing competitiveness and risk management for enterprises [6] Group 3: Digital Finance and Innovation - Digital finance is showing immense potential, enhancing financial inclusivity and innovation, with a focus on the evolution of banks beyond traditional lending roles [7][8] - The rapid development of AI is transforming various industries, including finance, necessitating a proactive approach to embrace uncertainty and leverage opportunities in the AI era [8][9] - Shanghai is emerging as a global hub for green and digital finance, with significant advancements in policy openness, green financing mechanisms, and financial technology infrastructure [10] Group 4: International Financial Center Development - The construction of Shanghai as an international financial center requires balancing openness with security, innovation with regulation, and autonomy with collaboration [9] - Financial centers are transitioning from competition to collaborative win-win scenarios, focusing on areas such as green finance standards and regulatory technology [9][10] - The evolution of financial centers is characterized by the integration of capital, data, and talent, positioning Shanghai as a strategic high ground for financial innovation [10]

Core Viewpoint - The Agricultural Development Bank of China (ADBC) is actively implementing the "Five Major Articles" in support of rural revitalization and national major regional development strategies, with significant financial commitments and a focus on risk management and compliance [1][2]. Group 1: Financial Commitments and Progress - As of April 2025, ADBC has issued loans totaling 42 billion yuan under the "Grain in Technology" initiative, with a remaining balance of 203.3 billion yuan [1] - The balance of green credit loans reached 2.9 trillion yuan, accounting for 28% of the bank's total loan balance [1] - Precision assistance loans amounted to 85.4 billion yuan, with a remaining balance of 2.2627 trillion yuan [1] - The bank is also seeing steady growth in loans for the elderly care industry and is accelerating the implementation of digital empowerment projects [1] Group 2: Strategic Focus and Risk Management - ADBC is required to align the "Five Major Articles" with its core responsibilities and integrate them with the service of the "Four Major Sectors" while enhancing the "Four Banks" brand [2] - The bank must adhere to business boundaries and avoid crossing the three "red lines," focusing on its strengths within the "Four Major Sectors" [2] - Risk prevention is prioritized, with an emphasis on industry analysis, client selection, and practical implementation before advancing [2] - Data quality management is critical, with strict accountability for any negligence [2] Group 3: Evaluation and Development - ADBC aims to improve assessment and evaluation methods by emphasizing overall performance on the "Five Major Articles" rather than individual assessments, promoting differentiated development [3]

Core Viewpoint - The People's Bank of China has released the "Monetary Policy Implementation Report for the First Quarter of 2025," indicating an optimization in credit structure with significant growth in loans to specialized and innovative small and medium-sized enterprises (SMEs) and inclusive micro-enterprises, which outpaced overall loan growth [1] Group 1: Credit Structure Optimization - As of the end of March, loans to specialized and innovative SMEs grew by 15.1% year-on-year, while inclusive micro-enterprise loans increased by 12.2%, both exceeding the overall loan growth rate [1] - Major banks are focusing on supporting new productive forces, agriculture, and micro-enterprises, with a commitment to enhancing technology finance, green finance, inclusive finance, pension finance, and digital finance [1][2] Group 2: Technology Finance Development - The Industrial and Commercial Bank of China reported a strategic emerging industry loan balance of 3.5 trillion yuan and a manufacturing loan balance of 4.8 trillion yuan as of the first quarter [2] - China Bank's technology finance loan balance increased by 5.702 billion yuan in the first quarter, with a growth rate of 29.82%, serving over 113,300 clients [2] - Postal Savings Bank served 74,800 technology enterprises, with a loan balance growth of 13.97% compared to the previous year [3] Group 3: Inclusive Finance Focus - Postal Savings Bank's inclusive micro-enterprise loan balance reached 1.67 trillion yuan, emphasizing its role in rural revitalization and innovative service models [4] - China Bank's inclusive micro-enterprise loans grew by 27.63% year-on-year, benefiting 1.65 million market entities [4] Group 4: Small and Medium Bank Engagement - Smaller banks are re-engaging in inclusive finance, with a focus on county-level micro-enterprise clients and innovative financial services [5] - The overall growth in inclusive finance is evident, with significant improvements in credit resource supply and financial service capabilities [5] Group 5: Quality and Efficiency in Credit Growth - The report highlights a shift towards optimizing credit structure and quality, moving away from mere scale expansion [6] - Experts suggest that banks should align credit allocation with macroeconomic policies and support sectors like green industries and high-tech development [7]

统计数据显示，深圳平台经济带动作用和发展水平逐步提升，2025年一季度，深圳市限额以上网络零售 额增长20.8%，工业互联网、社交娱乐平台全国领先，产业垂直服务、网络货运、数字金融、跨境电 商、新零售、生鲜配送等平台加快发展，运动健康、旅游、家政、人力资源等细分领域亮点纷呈，涌现 出一批高成长型和潜力型平台。 据介绍，深圳下一阶段将加快健全平台梯次培育服务体系，构建全方位要素支持模式，搭建更多市场、 应用场景等对接渠道，加快培育一批在国内外具有重要影响力的产业赋能型、产能带动型高能级平台， 全面提升平台经济引领示范、辐射带动能级。 "对于中小民营企业而言，数字化平台是提升创新能力的催化剂。"参加对接会的深圳海润感知技术有限 公司资源开发经理董雪松告诉记者，公司正打算成立智算中心，希望借助云平台龙头企业的技术力量， 探索出一条智算中心更好服务客户的新路径。 平台经济作为数字经济的一种创新模式和跨行业、跨领域的多元业态融合经济形态，在资源要素整合、 有效扩大内需、赋能实体经济、发展新质生产力等方面发挥着重要的支撑引领作用。 5月7日，记者从深圳市发展改革委获悉，近年来，深圳持续完善平台经济发展政策体系，今年1月印 ...

Core Viewpoint - The development of a financial system with Chinese characteristics is a product of historical progress since the founding of New China, particularly since the reform and opening up, and is a theoretical and practical innovation that combines Marxist financial theory with contemporary Chinese realities and traditional culture [1][4] Group 1: Importance of Cultural Support - The path to developing a financial system with Chinese characteristics requires strong support and nourishment from Chinese culture, which is considered the soul of a nation [1][4] Group 2: Emphasis on Honesty and Trust - Adhering to honesty and trust is essential in the financial industry, as all financial products and activities are based on credit. Enhancing the efficiency of the financial system involves reducing the cost of establishing trust between supply and demand [2][4] - A robust legal framework is necessary to maintain contract relationships and promote a good social credit environment [2] Group 3: Correct View of Profit and Ethics - A balanced view of profit and ethics is crucial, as financial activities should not solely focus on profitability but also on creating value for economic and social development. This requires a deep understanding of the political and public nature of financial work [3][4] - The financial system should focus on providing high-quality services in areas such as technology finance, green finance, inclusive finance, pension finance, and digital finance, which may not yield immediate economic benefits but are essential for long-term development [3] Group 4: Building a Financial Powerhouse - The path to developing a financial system with Chinese characteristics is innovative and rooted in national conditions. It requires both the strengthening of hard infrastructure and the enhancement of soft power, including values and behavioral norms [4] - The goal is to build a strong financial nation, maintaining strategic determination and practical efforts to achieve long-term success in financial development [4]