12 月贷款疲弱走势减缓，全年来看在香港使用贷款的增长更好。其中建筑业、物业发展及投资 Q4 环比+0.8%，转为正增长，制造业贷款余额全年逐季度下降，运输及运输设备行业和批发零售业贷款余额 Q4 转为正增长。

科技金融引领五篇大文章，直接融资服务能力仍有待提升。中央金融工作 会议明确要“做好科技金融、绿色金融、普惠金融、养老金融、数字金融 五篇大文章”，科技金融位于首位，充分彰显金融在服务科技创新中的重要作用。金融监管总局、证监会、各地区政府也充分响应会议号召，出台支持科技型企业金融服务高质量发展的若干措施。理论上直接融资更符合 初创期科技企业高投入、高不确定性的特征，但国内融资结构长期以间接融资为主、与科技企业需求存在错配，直接融资服务质效仍需提升。

Online travel agencies IT spending refers to the investment made by these companies in technology infrastructure, software systems, and digital platforms necessary for their operations. This includes expenditures on website development and maintenance, booking engines, customer relationship management (CRM) systems, payment gateways, mobile app development, and other IT-related projects. Online travel agencie IT spending is aimed at improving the online booking experience, enhancing user interfaces, ensuring secure transactions, managing customer data, and optimizing overall operational efficiency.

Middle office outsourcing refers to the packaging of traditional middle-office functions, such as trade processing, reconciliations, corporate actions and investment accounting, with new data aggregation, storage and analytics services. These middle-office operations are outsourced for competitive advantages.

A government open data management platform is a centralized system or platform used by governments to store, manage, and publish their open data initiatives. It serves as a repository for government agencies to collect, organize, and share various types of data with the public and other stakeholders. These platforms often provide tools for data cleaning, quality assurance, metadata creation, and data visualization. They aim to promote transparency, accountability, and data-driven decision-making by making government data more accessible and usable to the public.

Foreign exchange is a mechanism that allows people to swap currencies from other countries. This is done with credit instruments such as foreign currency bills, bank draughts, and telephone transfers. An electronic network of banks, financial institutions, brokers, and private traders facilitates capital transfers. Forex has a wide range of uses, including transferring payments to support the trade of commodities and services between nations.

Financial analytics is the process of using data analysis and mathematical models to evaluate financial data and make predictions, leading to informed financial decision-making. This practice involves the examination of various financial information, including historical and current financial data, to gain insights into an organization or individual financial health and performance.

The global defense IT spending market refers to the expenditures made by various defense agencies and organizations worldwide on information technology (IT) products, services, and solutions. This includes investments made in hardware, software, networking, communications, cybersecurity, data analytics, artificial intelligence (AI), cloud computing, and other IT-related domains within the defense sector.

Core banking can be termed as a back-end system, which involves the processing of banking transactions across various branches of a bank on a single platform. Core banking solutions is a banks centralized system, responsible for ensuring seamless workflow by automating front-end and back-end processes within a bank. Moreover, core banking solutions provide customers with access to banking facilities from any bank branch across the country and facilitate information across delivery channels.

北京证券交易所、全国中小企业股份转让系统根据《证券公司执业质量评价细则》，对 113 家券商（12 家证券公司子公司纳入其母公司合并评价，合并后共 101家）2023 年度的执业质量情况进行了评价。2024 年 1 月 29 日，2023 年度证券公司执业质量评价结果公告。2024 年 1 月 19 日，北交所发布 2023 年做市商年度评价结果。根据《北京证券交易所股票做市交易业务指引》，国金证券荣获 2023“年度最佳做市商”，国投证券、中信证券荣获 2023“年度优秀做市商”。