记者从金融监管总局了解到，为鼓励和引导银行业保险业加快发展数字金融，《银行业保险业数字金融 高质量发展实施方案》（以下简称《方案》）26日正式公布。 三是助力绿色经济发展，运用技术手段识别环境风险，优化绿色金融服务模式，助力"双碳"目标实现。 四是深化小微企业金融服务，整合物流、税务等多维数据优化授信模型，建设小微金融线上综合服务平 台，构建特色化金融生态圈。 《方案》明确了推进数字金融服务的八个重点领域，共33项工作任务。 一是支持科技型企业创新成长，聚焦科技型企业"两高一轻"特征，建立科创企业大数据集为企业识别画 像，提高信贷审批效率。 二是服务先进制造业发展，利用工业互联网和产业知识图谱，提升对制造业企业数据的采集分析能力， 强化对制造业数字化改造的信贷支持，积极运用数字技术提供保险补偿服务，增强安全风险防范能力。 六是服务乡村振兴，加强数字平台系统建设与数据对接，增强"三农"金融服务能力，延伸金融服务半 径，助力数字乡村建设。 七是支持落实国家重大区域发展战略，因地制宜提供数字化金融服务。 八是支持贸易数字化，积极参与航运贸易数字化建设，加强贸易数据信息应用，为中资企业"走出 去"和"一带一路"建设提 ...

本报（chinatimes.net.cn）记者李明会 南京摄影报道 数字经济时代，以人工智能等为代表的新技术浪潮正深刻改变着金融业运营模式和服务方式。 他以苏商银行为例，阐释了数字技术对银行业效率提升的显著推动作用。他表示，苏商银行借助数字技 术以700名员工管理1600亿元资产，2025上半年营收同比增速18.8%，成本收入比长期保持在22%左右的 低水平，2024年净资产收益率（ROE）达15.7%。 金融与科技双向"奔赴" 当前，以大数据、人工智能、云计算、区块链为代表的数字技术，正以前所未有的力量深刻重塑全球产 业格局。金融作为现代经济的核心，其与数字技术的深度融合已进入系统性变革新阶段。 在论坛开幕环节，江苏省金融学会会长周诚君作开幕致辞，深入阐释了数字金融作为科技与金融深度融 合的系统性变革的重要意义。他指出，江苏省金融系统充分发挥产业基础雄厚、开放程度高、科教资源 丰富等优势，积极推进数字金融创新实践：一是强化顶层设计，出台系统化工作方案；二是聚焦产业协 同，精准赋能数字经济核心产业，已推出特色数字金融产品超过200个；三是大力推动金融机构数字化 转型；四是前瞻布局前沿技术，率先成立了全国首家数 ...

中经记者 郝亚娟 夏欣 上海 北京报道 12月21日，"2026数字金融展望暨星图金融研究院十周年论坛"在南京举行。论坛由江苏省数字金融协会 指导，星图金融研究院、江苏省金科数字与科技金融研究院联合主办，苏商银行支持。 在论坛上，中国人民银行江苏省分行党委书记、行长周诚君指出数字金融是科技与金融深度融合的系统 性变革，并深入介绍了江苏依托雄厚产业基础、开放优势和丰富科教资源，在数字金融赛道上的创新实 践：通过强化顶层设计出台系统工作方案；聚焦产业协同，精准赋能数字经济核心产业，已推出超200 个特色数字金融产品；大力推动金融机构数字化转型；并前瞻布局前沿技术，成立了全国首家金科数字 与科技金融研究院。 他分享了多项引领性探索：全国首个"金融可信数据空间"致力实现"数据不出域、可用不可见、全程可 追溯"；金融量子安全实验室的研究已达到全球领先水平，正致力于构建抵御未来量子计算攻击的金融 安全防线；数字人民币与智能合约的结合，在绿电实时认证与支付、大型赛事智能票务等场景展现出颠 覆性潜力，为构建精准滴灌的金融服务体系提供了全新工具。 展望"十五五"，周诚君提出需强化创新驱动打造技术策源地、深化数实融合、激活数据要 ...

Core Viewpoint - The People's Bank of China Jiangsu Branch, along with various financial regulatory bodies, has drafted an action plan to enhance financial support for high-quality economic development in Jiangsu Province by focusing on five key financial areas [1][3]. Group 1: Action Plan Overview - The action plan consists of seven sections and 25 items, outlining development paths for technology finance, green finance, inclusive finance, pension finance, and digital finance [3]. - The core objective is to significantly improve financing accessibility in key strategic areas by 2027, optimizing the supply-demand match of financial products and services [3][4]. Group 2: Key Financial Areas - **Technology Finance**: The plan emphasizes increasing credit support for technology enterprises through a "stock-loan-bond guarantee" model, promoting investment-loan linkage, and establishing a technology finance alliance [3][6]. - **Green Finance**: It aims to enhance financing for green and low-carbon projects, expand the green financing subject library, and promote environmental information disclosure and ESG evaluation [3][4]. - **Inclusive Finance**: Focuses on expanding services for private enterprises, reducing costs for small and micro businesses, and supporting rural revitalization and poverty alleviation [4][5]. - **Pension Finance**: Plans to develop a collaborative system for pension financial products and services, establish a list of key enterprises in the silver economy, and promote financial education for the elderly [4][5]. - **Digital Finance**: Aims to advance the digital transformation of financial institutions, support the construction of digital economy pilot zones, and enhance data sharing and infrastructure [4][5]. Group 3: Implementation and Achievements - The Jiangsu Province has seen significant achievements in inclusive finance, with over 201 million registered users on its financial service platform, facilitating 6.49 trillion yuan in credit for small and micro enterprises [5]. - The regulatory body is implementing various policies to enhance technology finance, including pilot projects for equity investment and knowledge property finance [6][7]. - The transformation finance framework has been established, with over 2 billion yuan in loans allocated to incentivize enterprise transformation [7].

Core Viewpoint - The development of stablecoins and RWA (Real World Assets) in Hong Kong is crucial for enhancing the internationalization of the Renminbi and solidifying Hong Kong's status as an international financial center [1][6]. Group 1: Asset Appreciation and Wealth Creation - China faces intense competition in asset appreciation and wealth creation, particularly in trade, investment, technology, and macroeconomic policies [2]. - The U.S. has a long-term trade deficit due to low savings and high consumption, while China maintains a trade surplus due to high savings and low consumption [2]. - China needs to increase spending and implement demand-side reforms to match its strong supply capabilities with income and wealth generation [2]. Group 2: Hong Kong's Role in National Development - Hong Kong's monetary and regulatory advantages can facilitate high-quality outbound ventures for mainland enterprises and attract multinational companies to the Greater Bay Area [3]. - The development of a stablecoin linked to the Renminbi and related RWA asset systems can better connect the internal and external economic cycles [3]. Group 3: Institutional Advantages of Hong Kong - Hong Kong has an efficient supply chain network, a robust banking system, a strong capital market, reliable accounting services, and a trustworthy legal framework [4]. - The establishment of a "special zone within a special zone" in the northern metropolitan area of Hong Kong can enhance the dual circulation strategy [5]. Group 4: Promoting Renminbi Internationalization - Hong Kong plays a significant role in promoting the internationalization of the Renminbi, which is often underestimated due to the exclusion of Hong Kong financial data from mainland statistics [6]. - The asset size of the Hong Kong Monetary Authority is approximately 9.5% of the People's Bank of China, indicating a high level of internationalization in Hong Kong's banking sector [6]. Group 5: Digital Financial Technology - The use of stablecoins, limited blockchain, and digital smart contracts can enhance Hong Kong's international financial center status [7]. - The introduction of a legal framework for stablecoins in Hong Kong will support the creation of a stablecoin linked to the offshore Renminbi [8]. Group 6: Future Development of Digital Financial Infrastructure - Future digital financial infrastructure in Hong Kong should focus on stablecoins, blockchain, and smart contracts to enhance trust and reduce transaction costs [11]. - The regulatory framework should allow for the issuance of offshore Renminbi stablecoins, facilitating easier access to international markets [11]. Group 7: New Financial Products and Services - The development of new offshore Renminbi products and services can complement the existing dollar-dominated international financial system, enhancing resource allocation efficiency [12]. - The integration of AI and big data in digital financial products will improve risk assessment and market responsiveness [12].

Core Viewpoint - The company emphasizes the importance of digital financial construction as a key driver for the healthy and stable development of the capital market, aligning with national policies and industry trends [1][7]. Group 1: Digital Financial Development - The company identifies three dimensions for developing digital financial capabilities: enhancing the digitalization level of financial institutions, strengthening digital financial regulatory capabilities, and aligning with technological revolution trends [2]. - A dedicated Financial Technology Committee has been established to implement over ten specific measures aimed at transitioning from digitalization to intelligence [2][3]. Group 2: Innovation and AI Integration - The company plans to innovate its digital financial service system by accelerating product development, creating a benchmark app for retail clients, and building a comprehensive digital research platform [3]. - AI technology will be integrated across various scenarios, including intelligent investment research and customer service enhancements, while also establishing a cloud service architecture to support business development [3][4]. Group 3: Regulatory Technology and Trends - The company aims to build a leading regulatory technology system by applying optimal technologies to ensure compliance and enhance internal control digitalization [3]. - Four major trends in the securities industry are identified: productization, socialization, ecological integration, and strategic elevation, reflecting the ongoing transformation driven by financial technology [4][5]. Group 4: Investment and Smart Transformation - The company has committed to a long-term strategy of information technology investment, with a projected expenditure of 417 million yuan in 2024, marking a recent high [6]. - A comprehensive risk management system has been established, utilizing a risk data marketplace and various risk control models to enhance overall risk management capabilities [6]. Group 5: Commitment to Digital Finance - The company is dedicated to deepening its technology strategy, enhancing service quality, and optimizing financial service models in line with national policy requirements [7].

Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) Ningbo Branch is committed to enhancing its financial services across various sectors, including technology finance, green finance, inclusive finance, pension finance, and digital finance, to support high-quality economic development in Ningbo [1][7]. Group 1: Technology Finance - ICBC Ningbo Branch focuses on serving technology-driven small and medium-sized enterprises, high-tech companies, and national technology innovation demonstration enterprises by optimizing its "five specialized" service system [2]. - The establishment of the ICBC Ningbo Technology Finance Center aims to enhance service quality and provide comprehensive financial support for technology enterprises [2]. - The bank promotes a multi-faceted service approach, integrating innovation, industry, talent, and funding to foster a virtuous cycle among technology, industry, and finance [2]. Group 2: Green Finance - The bank is dedicated to building a green finance ecosystem, supporting clean energy development, energy conservation, and environmental protection initiatives [3]. - As of September, the balance of green loans exceeded 77 billion yuan, an increase of over 16 billion yuan year-on-year, with a growth rate of 27%, outpacing the overall loan growth by 12 percentage points [3]. - ICBC Ningbo Branch is actively involved in projects that contribute to the city's dual carbon goals and the establishment of a high-quality green development framework [3]. Group 3: Inclusive Finance - The bank emphasizes a comprehensive approach to inclusive finance, focusing on small and micro enterprises, individual businesses, and agricultural operators [4]. - By launching various digital inclusive financial products, the bank aims to meet the financing needs of small businesses and the agricultural sector [4]. - As of September 2024, the balance of inclusive loans for small and micro enterprises exceeded 55 billion yuan, with agricultural loans surpassing 100 billion yuan, and nearly 50% of loans being digital [4]. Group 4: Pension Finance - ICBC Ningbo Branch is developing a pension finance service system to meet the needs of an aging society, focusing on pension financial services, pension industry finance, and related services [5]. - The bank is enhancing its service capabilities for elderly clients through a network of flagship and benchmark branches [5]. - The bank has issued over 150 million yuan in loans for the pension industry, supporting qualified pension enterprises [5]. Group 5: Digital Finance - The bank is advancing its digital finance strategy by promoting an integrated service model that combines platforms, products, and scenarios [6]. - ICBC Ningbo Branch serves over 9 million customers, focusing on using digital solutions to benefit agriculture, citizens, enterprises, and governance [6]. - The establishment of an enterprise-level risk control platform enhances the bank's overall risk management capabilities [6].