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Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-16.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-16.com/label.php on line 82

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  来源:财联社

  原标题:独家|多家银行被要求不得过度宣传单一大模型使用情况,应聚焦“自主、自研”

  银行年报季行将结束,但一个值得注意的现象是:大部分国有行、股份行并没有在业绩发布会上就单一大模型的应用和效果上“大做文章”。原因何在?

  日前,财联社记者从多家全国性商业银行内部人士处获悉,考虑到数据安全等方面的原因,有关部门要求大型商业银行不得过度宣传单一大模型的使用情况,“更应注重自主、自研”。

  “我们近期接到了内部通知,要求大型商业银行不能过度宣传单一大模型的情况。”某全国性商业银行办公室内部人士向财联社记者表示。

  该消息得到了至少三家全国性商业银行人士的证实。某银行知情人士向财联社记者表示,有关部门更希望大型商业银行在金融大模型方面在自研、自主等方面多下功夫。一部分原因在于,银行手中掌握大量敏感的金融数据,在信息安全方面必须更加重视。

  某江浙沪上市银行内部人士也向财联社记者证实,相关部门对于银行大量宣传使用单一大模型的情况较为重视和关注。“我在近期也接到了董事长、行长级人士的亲自通知,要求必须慎重,相关信息不能随意对外发布。”

  从3月底到4月中上旬,财联社记者参加了多家全国性商业银行、城商行的2024年业绩说明会。在多家大型商业银行的业绩会上,很多高管都谈及了金融科技、大模型对于银行效率的提升,但明确点名单一大模型的应用情况非常罕见。

  不过财联社记者注意到,各家商业银行在金融科技的投入依然在加大。依据年报信息,2024年国有六大行在金融科技方面的投入已经超过1250亿元。

  其中,工商银行金融科技投入285.18亿元,排位第一;农业银行信息科技投入总额249.7亿元;中国银行信息科技投入238.09亿元,占营业收入的3.76%,同比上升0.27个百分点;建设银行金融科技投入244.33亿元,占营业收入的3.26%;邮储银行信息科技投入122.96亿元,同比增长9.03%,占营业收入的3.53%;交通银行金融科技投入114.33亿元,占营业收入的5.41%。

  “事实上,全国性商业银行基本都在金融大模型方面有着长足的投入。很多银行的自研模型已经比较成熟,引入单一大模型后也不过多了一种选择。”某国有大行研究员表示,数字化、智能化依然会是大趋势。

  第二批保险系私募基金迎新进展超百亿元资金即将入市

  备受关注的保险资金长期股票投资试点迎来新进展。4月16日,泰康资产管理有限责任公司表示,泰康资产关于发起设立全资私募基金管理子公司泰康稳行私募基金管理有限公司(暂定名,以下简称“泰康稳行”)的申请已获得国家金融监督管理总局批准。

  目前,第一批险资长期股票投资试点的500亿元资金全部投资完成,加上第二批的获批金额,我国险资长期股票投资试点规模总量已增至1620亿元,参与试点的保险公司也从2家增至8家。随着泰康稳行的申请获批,预计约120亿元新增长期资金有望在近期进入股市,此外,还有1000亿元长期资金有望逐步入市。(证券日报)

  多家保险公司新单下滑超10%,2025年个险更不好卖了

  2025年一季度,传统的寿险销售旺季突然转冷。国家金融监管总局最新披露的数据显示,作为“开门红”的重要时间段,2025年前两个月,人身险公司累计原保险保费收入1.2万亿元,同比下降2.63%。其中,寿险保费规模的下滑趋势最为显著,1-2月,寿险实现原保险保费收入1.02万亿元,同比变动幅度为-3.51%。

  原保费为新单保费和续期保费之和,如果看新单保费,则下滑更多。在寿险不好卖的大环境下,刚刚企稳的代理人队伍又遇到新挑战。(界面新闻)

  起底7大上市人身险企3000亿利润:国寿阳光靠投资,平安太保靠保险服务

  随着上市险企年报悉数披露,2024年人身险公司整体“成绩单”已然揭晓。其中,上市险企净利润普遍呈现两位数,甚至三位数的强劲增长,引发市场一片叫好。最直观的解读是,业绩红火,得益于“924行情”之后资本市场回暖,投资收益率大幅提升,“保险业想要赚钱,还得靠投资”似乎也成了一个不争的事实。

  然而,在这场利润狂欢背后,报表内里的真实构成究竟如何?

  数据显示,2024年,这7家公司合计实现投资利润1606.44亿元,同比增长175.43%,平均投资利润贡献率高达46%,日均净赚超4.4亿元;同期实现保险服务利润2007.51亿元,同比减少6.15%。

  值得注意的是,当前上市险企基本已经全部应用新会计准则(IFRS19)、新保险合同准则(IFRS17),财务报表相较以往已经发生巨大变化,其中,新保险合同准则要求所有保险合同都要区分保险服务和投资(储蓄)成份,这使得财务报表的理解门槛大幅提升,很多保险公司高管都高呼“看不懂”。为便于理解,本文中只将人身险公司利润来源大致分为“保险服务业绩”“投资业绩”以及“其他”三类。想要了解详细情况,还请参考各上市险企年报。(慧保天下)

【环球网报道】据美国《国会山报》16日报道,对于美国政府滥施关税做法,美国肯塔基州州长贝希尔在社交媒体上警告称,这等同于向美国家庭征税。

《国会山报》称,贝希尔在社交媒体上发帖说,有研究结果表明,预计美国政府采取的关税措施将使美国普通家庭每年多花费

4700美元。他还称,这意味着数月的食品杂货费等。

“没有哪个家庭能够安然渡过难关而不受到严重影响。对于那些在月底想办法支付账单的人来说,这足以让他们崩溃。”贝希尔补充称,美国政府关税措施是“糟糕主意”,这等同于向美国家庭征税。

美国政府近日决定对贸易伙伴采取关税措施,引发反对和批评。美国加利福尼亚州州长纽森16日宣布就关税问题起诉特朗普政府,并批评美国政府滥用关税政策给该州的家庭、企业和经济带来混乱,推高物价,威胁到就业。

移动互联网 上市公司,畅享视觉盛宴,感受故事背后的深情与热血!的相关文章 美国要退出世贸组织?WTO总干事回应的相关文章
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