去年，张更生从公司获得的税前报酬总额为87.31万元。 据公司方面披露，张更生1964年11月出生，中国国籍，无境外永久居留权。毕业于中欧国际工商学院 EMBA专业；中国科学技术大学电子信息专业硕士研究生。曾任福州智达电子有限公司研究所副所长， 福建新世纪高科技产业集团有限公司研究所所长兼金融事业部总经理，福州创实电脑有限公司董事，福 州海峡软件园有限公司董事、总经理，创识科技董事长、总经理，北京数码董事，上海天沪董事，成都 睿川董事，广州弘粤董事，上海印玛董事，创识云胜董事等。 面对每天上千份上市公司公告该看哪些？重大事项公告动辄几十页几百页重点是啥？公告里 一堆专业术语不知道算利好还是利空？请看智通财经公司新闻部《速读公告》栏目，我们派 驻全国的记者们将于公告当晚为您带来准确、快速、专业的解读。 智通财经12月22日讯（记者 付静）去年涉行贿案被起诉、今年5月辞任董事长职务的创识科技 （300941.SZ）控股股东、实际控制人张更生被采取留置措施。 创识科技今日晚间公告，近日收到邹平市监察委员会签发的《立案通知书》和《留置通知书》。据悉， 张更生已于今年5月17日辞任董事、董事长，目前未在公司担任董事及高 ...

Core Viewpoint - The company, Chuangshi Technology, is facing significant challenges following the investigation and detention of its controlling shareholder and actual controller, Zhang Gengsheng, which may impact its operations and investor confidence [1][3]. Group 1: Company Announcement - On December 22, Chuangshi Technology announced that it received a "Notice of Filing" and "Notice of Detention" from the Zhou Ping Municipal Supervisory Committee regarding Zhang Gengsheng being investigated [1]. - Zhang Gengsheng resigned as the company's director and chairman on May 17, 2025, and is currently not holding any position within the company [1]. - The company stated that all board members and senior management are performing their duties normally and will continue to monitor the situation and fulfill disclosure obligations as required by law [1]. Group 2: Financial Performance - For the first three quarters of 2025, the company reported revenue of 156 million yuan, a year-on-year increase of 15.45%, while the net profit attributable to shareholders was 15.33 million yuan, a decline of 45.84% [5]. - The company's net profit has been declining for two consecutive years, with figures of 111 million yuan, 81.27 million yuan, and 55.61 million yuan for the years 2022 to 2024, respectively [3]. - As of December 22, the company's stock price was 28.87 yuan per share, with a total market capitalization of approximately 5.911 billion yuan, indicating a stagnant performance throughout the year [5].

当然，支付机构要尽到充分的"把关责任"，加强电子支付交易指令的授权验证— —比 如验证密码、验 证码等，确保每笔支付都是你本人操作。此外，还有个明确规定：用账户余额付款，还应有交易限额， 这是《非银行支付机构网络支付业务管理办法》里明确要求的，能进一步降低风险。如果是支付平台自 己的问题（比如内控制度等），导致支付没成功、付错了人，或者钱迟迟没到账，那平台必须赶紧采取 措施纠正，把问题解决好。 扫码付款、转账汇款、线上缴费……近年来，我国电子支付业务呈爆发式增长，这种新兴支付方式已深 度融入日常生活。为规范行业发展、保障用户权益，我国逐步构建起覆盖法律框架、风险管理、资金安 全、纠纷解决等多维度的监管体系，在促进电子支付健康发展的同时，为亿万用户筑牢"安全防线"。 近日，为增进社会公众对电子支付相关政策的了解，中国支付清算协会发布了一个问答。其中，围绕客 户资金保护，费用、条款和机制的透明度等问题进行了解释。 《金融时报》记者帮你划重点啦！ 1. 对未经授权或错误执行的电子支付，谁来承担责任？ Q 遇到电子支付纠纷，先别慌，先看责任在谁，监管规则早就 划 好了"分界线"： 如果是未经授权支付，只要不是你的过错 ...

Group 1 - The China Payment and Clearing Association has released a Q&A regarding the effectiveness of electronic payment regulation in China, highlighting the ability for payers to modify or revoke payment instructions under certain conditions [1] - With the rise of mobile payments, customers can initiate payment instructions online with options for real-time or delayed processing, and regulations require banks to offer various transfer methods [2] - The Electronic Commerce Law states that losses from unauthorized payments are to be borne by electronic payment service providers unless the provider can prove user fault, shifting responsibility to the user [3] Group 2 - Payment service providers must enhance authorization verification for electronic payment transactions and assist users in identifying the causes of unauthorized transactions [3] - Regulations mandate that payment service providers take corrective actions if payment instructions are not executed properly due to their own system or internal control issues [3] - The management of transaction limits for personal customers using payment account balances is enforced under the Non-Bank Payment Institution Network Payment Business Management Measures [3]

现有监管制度是否确保客户在合理情况下，按需提取和支付自有资金？对此中国支付清算协会表示，电 子支付用户存放在电子支付服务提供商的合法资金受我国法律保护。《商业银行法》《储蓄管理条例》 《支付结算办法》充分保障用户存取款和转账支付的自由，要求商业银行采取有效措施，保证存款本金 和利息的支付。《非银行支付机构监督管理条例》规定，支付机构不得以任何形式挪用、占用、借用备 付金，不得以备付金为自己或者他人提供担保。 为防范流动性风险、保障客户资金安全，监管制度进一步细化了针对不同风险等级和交易类型的限额管 理。例如，《电子支付指引（第一号）》规定，银行应根据审慎性原则并针对不同客户，在电子支付类 型、单笔支付金额和每日累计支付金额等方面作出合理限制；《条码支付业务规范（试行）》规定，银 行、支付机构应根据客户风险防范能力分级，对客户条码支付业务进行限额管理；《中国银监会、中国 人民银行关于加强商业银行与第三方支付机构合作业务管理的通知》要求，商业银行应设立与客户技术 风险承受能力相匹配的支付限额，包括单笔支付限额和日累计支付限额。 北京商报讯（记者 岳品瑜 董晗萱）12月16日，中国支付清算协会官微发布关于我国电子支 ...

过去，尼泊尔银行业为争夺市场，在加德满都、博卡拉等大都市密集设立分支机构。数据显示，全国共 有5104家商业银行分支、1134家发展银行分支和291家金融公司分支，其中加德满都、拉利特普尔、博 卡拉、巴拉特普尔、比拉特纳加尔和比尔甘杰六个大都市就集中了1690个分支网点。但随着数字银行和 电子支付迅速发展，实体网点客流下降，高昂的房租、人力和管理成本逐渐成为负担，银行开始面 临"想关却难关"的困境。为降低成本、提高盈利能力，尼泊尔央行已允许银行合并距离较近的分支机 构。银行普遍认为，精简实体网点、加快数字化转型，已成为行业调整的必然方向。 ...

Core Insights - The People's Bank of China reported a decline in credit card and combined loan card issuance, with a total of 7.07 billion cards as of Q3 2025, down 800 million from Q2 2025 and 30 million year-on-year [2][5] - Non-cash payment transactions showed significant growth, with 1,685.08 billion transactions amounting to 150.34 trillion yuan in Q3 2025, reflecting a year-on-year increase of approximately 9.06% in transaction volume and 13.7% in transaction value [7] - The electronic payment sector continued to expand, with 834.55 billion transactions worth 94.54 trillion yuan in Q3 2025, marking a notable increase from the previous year [8][9] Summary by Category Card Issuance and Usage - As of Q3 2025, there were 10.149 billion bank cards issued, including 9.442 billion debit cards and a decline in credit and combined loan cards to 7.07 billion [2][5] - The number of ATMs decreased to 760,900, down from 775,700 in Q2 2025 and 807,700 year-on-year [5] Non-Cash Payment Growth - Non-cash payment transactions totaled 1,685.08 billion in Q3 2025, with a transaction value of 150.34 trillion yuan, showing a 12.5% increase in volume and a 9.9% increase in value compared to Q2 2025 [7] - The growth in non-cash payments is attributed to the rise in credit transfers and electronic payments, driven by the central bank's easing of transfer limits and improvements in payment systems [7] Electronic Payment Trends - Electronic payment transactions reached 834.55 billion, with a total value of 94.54 trillion yuan in Q3 2025, indicating a solid growth trajectory [8] - Online and mobile payment segments both experienced growth, with online payments at 193.93 billion transactions worth 79.26 trillion yuan and mobile payments at 606.31 billion transactions worth 13.75 trillion yuan [9] Credit Card Market Dynamics - The credit card market continues to contract, with a decline in the number of credit cards issued for 12 consecutive quarters, prompting banks to halt the issuance of various credit card products [10][11] - Banks are shifting focus from mass issuance to targeted product offerings that align with consumer preferences, indicating a strategic transition in credit card business operations [12]

Core Points - The signing of the China-ASEAN Free Trade Area 3.0 upgrade protocol during the 47th ASEAN Summit on October 28 aims to enhance economic cooperation and support multilateral free trade amidst global uncertainties [2][3] - The 3.0 version introduces significant upgrades in nine areas, marking a shift from previous agreements and indicating a new development phase for the China-ASEAN Free Trade Area [2][4] Summary by Sections Trade and Economic Cooperation - The original goal of the China-ASEAN Free Trade Area was to eliminate all tariffs and non-tariff barriers on goods trade, achieving over 90% zero tariffs by 2010 [3] - The 2.0 version aimed for a bilateral trade volume of $1 trillion and $150 billion in mutual investment by 2020, focusing on enhancing the liberalization of goods trade [3] Supply Chain Connectivity - The 3.0 version emphasizes supply chain connectivity, addressing issues such as the free flow of key products and services, infrastructure connectivity, and collaborative responses to supply chain disruptions [4][5] - It includes provisions related to digital economy, standards, and trade facilitation, which are crucial for building a secure and efficient regional supply chain [5] Emerging Topics - New areas of cooperation in the 3.0 version include digital economy and green economy, which extend beyond traditional trade topics [6][7] - The digital economy section covers measures for seamless digital trade, data management, and cybersecurity, aiming to enhance participation from small and medium enterprises [6] - The green economy focus includes environmental products and services, promoting sustainable economic growth and energy transition [7] Institutional Development - The 3.0 version introduces separate chapters on standards and regulations, competition, and consumer protection, reflecting the need for higher institutional standards in trade agreements [8] - It aims to unify standards and technical regulations, while also enhancing protections for online and tourism consumers, fostering a fair and transparent market environment [8]

Core Viewpoint - The signing of the China-ASEAN Free Trade Area 3.0 Upgrade Protocol marks a significant step towards deepening economic integration and cooperation in emerging fields such as digital and green economies, amidst challenges to the multilateral trading system [3][4]. Group 1: Importance of the Protocol - The protocol signifies a commitment to multilateralism and free trade, countering unilateral trade measures that threaten the international economic system [3]. - It establishes a new milestone for regional economic integration, expanding cooperation beyond traditional trade to include digital, green, and supply chain sectors [4]. - The protocol supports the construction of a China-ASEAN community of shared destiny, enhancing economic cooperation and creating a resilient regional supply chain [4]. Group 2: Background and Negotiation Process - The China-ASEAN Free Trade Area is the first free trade agreement established by both parties, with the initial agreement signed in 2002 and subsequent upgrades in 2010 and 2015 [5]. - The 3.0 version negotiations began in November 2021, culminating in the signing of the protocol after nearly two years of discussions and multiple rounds of meetings [5][6]. Group 3: Key Features of the Protocol - The protocol expands into five new areas: digital economy, green economy, supply chain connectivity, competition and consumer protection, and support for small and medium enterprises [7]. - It enhances the level of openness in trade, focusing on rules and cooperation in both traditional and emerging sectors [7][8]. - The protocol promotes inclusive development by ensuring fair competition, consumer protection, and support for small and medium enterprises [8]. Group 4: Main Content of the Protocol - In the digital economy, the protocol establishes a high-level rule system, including customs duty exemptions on electronic transmissions and enhanced data flow protections [9]. - In the green economy, it defines key areas for cooperation, including green trade and sustainable finance, aiming to eliminate trade barriers related to environmental standards [10]. - The protocol includes a dedicated chapter on supply chain cooperation, enhancing the resilience and connectivity of regional supply chains [11]. - It sets forth standards and technical regulations, encouraging mutual recognition of standards and joint development of evaluation procedures [12]. - The protocol enhances sanitary and phytosanitary measures, improving transparency and reducing compliance costs for businesses [12]. - It utilizes digital technologies to improve customs procedures and trade facilitation, aiming to streamline processes and reduce costs [13]. - It establishes a comprehensive framework for competition and consumer protection, enhancing consumer rights and promoting fair market practices [13]. - The protocol supports small and medium enterprises by providing resources and information to enhance their participation in international trade [14]. - It creates a framework for economic and technical cooperation, focusing on capacity building and support for the least developed countries [14]. Group 5: Implementation of the Protocol - Following the signing, both parties will undergo domestic approval processes to ensure the protocol is implemented as soon as possible [15].

Core Insights - The article emphasizes the transformative impact of fintech on the financial industry, highlighting its role in enhancing convenience and efficiency in financial transactions and services [3][5]. Group 1: Evolution of Fintech - The development of fintech has been gradual, starting from the digitization of transaction records to the current integration of advanced technologies like blockchain, AI, big data, and cloud computing [5]. - Early advancements included the transition from paper-based records to electronic systems, significantly improving operational efficiency in the financial sector [5]. Group 2: Regional Development Patterns - The global fintech market exhibits diverse growth patterns, with regions like Europe and North America seeing a coexistence of competition and collaboration between fintech firms and traditional financial institutions [7]. - In Asia, fintech development is characterized by the deep integration of payment, e-commerce, and financial services, leveraging large user bases for rapid expansion [7]. Group 3: Challenges and Future Directions - Despite rapid growth, fintech faces challenges such as data privacy and security risks, as well as the lagging pace of regulatory updates compared to technological innovations [8]. - Future developments in fintech are expected to focus on three main areas: accelerated technology integration, inclusive financial services, and enhanced global regulatory coordination [8].