数字化快车就是机遇之一。农商行向来数字化基础底子薄、起步慢，深耕支农支小主战场，手里没有金 刚钻绝对揽不了瓷器活，更搭不上数字化快车。当大行运用金融科技，以低成本优势涌向农村金融市场 时，农商行不能熟视无睹，急需在移动支付、场景金融等方面布局和优化数字展业服务。数字金融可以 有效破解金融服务农户、小微企业过程中存在的信息不对称、抵质押物评估难等问题，这恰如一把金钥 匙，能够精准打开银行授信难题之锁，提升信贷员敢贷、愿贷的积极性。 近日，广西、浙江、内蒙古等多地的农村商业银行召开2025年年中工作会议，在对上半年展业情况进行 回顾的同时，也开始研究部署下半年的重点任务。概括来说，农商行在稳中求进的基础上进一步探索如 何推动主责主业向上向好。这其中，支农支小成为多家银行"施工图"中的高频词。 支农支小是农村商业银行的核心定位，也是农商行金融服务的主阵地。农商行坚定支农支小，努力做小 做散，通过加大信贷资源供给，把资金投向"三农"和小微企业等重点领域，既有助于支持其化解融资 难、融资贵的问题，又能加快推动乡村全面振兴与实现区域经济均衡发展。农商行下好涉农金融服务这 盘棋，首要前提是厘清服务边界，切不可偏离主业，如此 ...

Core Insights - The article emphasizes the importance of data as a key production factor, comparable to land and capital, with predictions indicating that a 10% increase in data flow can lead to a 0.2% GDP growth [1] - The construction of a data market is identified as a crucial pathway for advancing the digital economy in China, with a projected data production total of 41.06 ZB by 2024 [1] Data Market Overview - The data market consists of raw data, processed data, and standardized data service products, with diverse supply sources including businesses, government agencies, and data brokers [2] - The demand for data spans various sectors, including enterprises for marketing and risk management, and government for urban governance and policy-making [2] Differences from Traditional Markets - Data markets differ from traditional markets primarily in pricing and trading mechanisms, with various pricing models such as pay-per-use and subscription [3] - Innovative trading modes include platform trading, over-the-counter trading, and data sharing pools within data alliances [3] Regulatory Framework - Establishing a data market requires a robust regulatory framework, including standardized data classification and a unified data language to facilitate transactions [4] - The recent policy direction from the Chinese government highlights the need for clear data ownership, market transactions, and rights protection [4] Cultivating Data Operators - Data operators, or "data merchants," are essential for the development of the data market, providing services in data production, management, and trading [5] - Encouraging the opening of high-value public data and integrating data resources into asset management systems are key strategies for fostering data operators [5] Infrastructure Support - The transaction of data requires foundational infrastructure, including network, computing, and security facilities, to enable safe and efficient data flow [6] - A multi-layered data market system is proposed to facilitate data movement across regions and sectors [6] International Cooperation - Expanding into international data markets is crucial for enhancing China's digital competitiveness, necessitating the integration of cross-border data flow into economic development plans [7] - Collaboration on data protection legislation and standards is essential to balance data sovereignty with global data sharing [7]

其次是通过重构价值链优化了产业结构。黄埔区"生产性服务业8条"便直击"制造业单兵突进"的结构性 梗阻，围绕制造业企业全生命周期提供"研发+"等一揽子高附加值服务，推动市场化研发组织、技术经 纪等新业态不断涌现。同时，既鼓励制造业企业分设服务板块，又支持服务业企业向制造延伸。"制造 服务化"与"服务制造化"双向融合带动了产业结构向"微笑曲线"两端攀升，让产业体系更加高效、富有 活力。 同时，融合带来的集约、高效、协同，为都市绿色发展开辟了新路径。如福州长乐区针对纺织工业打造 了强大的工业互联网平台，连接近千家企业、超万台设备，让众多中小企业摆脱"低、散、弱"，纺纱、 织造、染整等全链条走向智能化绿色化。从海珠到长乐，都市成长起来的"轻量智造"本身就是对高能 耗、高排放产业的替代升级，有利于"保产业"与"保生态"的平衡。 打通深度融合的"任督二脉"是关乎都市未来核心竞争力的关键一跃，尚需从多方面破解瓶颈。如打破服 务业"没活没客户"与制造业"没钱没兴趣"的双向困局，还需推动应用场景创新，打造面向生产、生活需 求的多样化应用场景。 当海珠的服装设计师借助数字平台与柔性生产线实现"所思即所得"，当黄埔的制造企业在全链 ...

Core Insights - The company, Taoyuan Xiaomuer Industrial Co., Ltd., has developed a new product, jade wood ear lotus seed soup, which differentiates itself from traditional black and silver fungus [1] - The black fungus industry in Wangqing County has significantly expanded, with over 60% of administrative villages involved and an annual production of 35,000 tons [2] Group 1: Company Development - The company has invested in a 35,000 square meter smart production workshop capable of producing 150,000 bags of black fungus spawn daily [1] - The company has established a smart greenhouse production base with 80 intelligent management greenhouses, yielding approximately 200 tons of fungus annually [1] Group 2: Industry Growth - The black fungus industry in Wangqing County has cultivated over 650 million bags, creating employment for over 30,000 local residents [2] - The cooperative has transitioned from outdoor cultivation to building 14 greenhouses, increasing the number of spawn bags per acre by more than three times [2] - The company is focusing on developing new varieties, deep processing, and strengthening branding to enhance the industry chain and increase added value [2]

Group 1 - The core viewpoint of the news is the rapid response and recovery efforts in Gansu Province, specifically in Yuzhong County, following severe flooding and mudslides caused by extreme rainfall [1][2] - A total of 51 national and provincial highways, covering 102.2 kilometers, were damaged due to the disaster, but all roads have been restored as of August 10 [1] - The Ministry of Transport mobilized over 670 emergency personnel and more than 130 pieces of equipment to work continuously on restoring vital transportation routes [1] Group 2 - The Ministry of Industry and Information Technology dispatched a working group to the disaster area to coordinate recovery efforts for communication facilities, which have been largely restored by August 10 [2] - Since the beginning of the flood season, the Ministry has deployed 737 repair teams and 130,304 personnel, along with 2,734 satellite communication devices and 54 drones to support communication network coverage [2] - The Ministry will continue to monitor flood conditions and enhance emergency response measures to ensure public communication remains uninterrupted [2]

强国必先强农，农强方能国强。在把农业建成现代化大产业的新阶段，以发展农业生产性服务业为重 点，健全农业社会化服务体系，是农业强国建设的重要路径。 作为推动农业高质量发展的"金钥匙"，农业社会化服务是指各类经营性服务主体为农、林、牧、渔各产 业发展所提供的产前、产中、产后专业化服务。 习近平总书记高度重视农业社会化服务的发展。2013年12月，习近平总书记在中央农村工作会议上指 出，要加快构建以农户家庭经营为基础、合作与联合为纽带、社会化服务为支撑的立体式复合型现代农 业经营体系。2022年12月，习近平总书记在中央农村工作会议上强调，加快健全农业社会化服务体系， 把小农户服务好、带动好。 近年来，在政策护航和市场驱动的双重作用下，农业生产性服务业加速崛起，农业社会化服务体系逐步 建立，成为推进农业高质量发展的"压舱石"与"定盘星"。 绘就农业新图景 6月中旬，记者走进山东省章丘区相公街道周家村时，夏收工作正紧锣密鼓地展开。村民高富霞戴着太 阳帽、背着手站在地头，望着大型联合收割机穿梭作业。"机器干活快，过两天种完地，我就去镇上找 活干。" 交谈中得知，高富霞照看的不只是自家田地。在村集体的组织下，周家村有60 ...

围绕重点布局的战略性新兴产业和未来产业，深圳市动态发布高端紧缺岗位目录清单，为产业升级 提供精准人力支撑；创新实施重点企业"公益性招聘服务覆盖率"和"新增岗位匹配成功率"双提升计划， 建立重点企业"一对一"就业服务专员机制。截至今年5月底，深圳为6451家重点企业提供用工服务保 障，公益性招聘覆盖率达41.3%，岗位匹配成功率超70%。 平台企业被称为"就业蓄水池"。腾讯全球招聘负责人罗海波介绍，腾讯计划在未来3年新增2.8万个 实习岗位，其中今年将招聘1万名校招实习生并加大转化录用。同时，腾讯致力于为青年人才提供全方 位的职业发展支持和终身学习机会，配套培训、福利和导师制度，帮助毕业生完成从校园到职场的过 渡。 为促进就业，深圳把"就业驿站"开在了家门口。近日，在深圳市罗湖区翠竹街道水贝社区党群服务 中心举行的民营企业服务月直播带岗活动中，31家企业共提供了1444个岗位。求职者不仅可应聘，还能 享受职业测评、"一对一"职业帮扶、政策指导等服务。水贝社区党委书记朱梅英说，"就业驿站"形成全 链条跟踪服务，成功推荐290多名学员实现就业创业。 "像这样的标准化就业服务驿站，深圳已建成80家，今年已举办600多 ...

Core Viewpoint - The People's Bank of China and the China Securities Regulatory Commission have introduced the "Financial Infrastructure Supervision Management Measures" to enhance the regulatory framework for financial infrastructure, effective from October 1, 2023 [1][2]. Group 1: Regulatory Framework - The new measures aim to establish a unified and efficient regulatory framework for financial infrastructure, addressing the complexity and openness of the current financial system [1][2]. - The measures include 6 chapters and 37 articles, focusing on the regulation of financial infrastructure operations, risk management, and corporate governance [1][2]. - The introduction of the concept of "systemically important financial infrastructure" and its recognition standards is a significant aspect of the new regulations [2][3]. Group 2: Impact on Financial Market - The implementation of the measures is expected to positively impact the financial market by enhancing the transparency and efficiency of core processes such as clearing, settlement, and registration [2]. - In the long term, a well-structured and effectively governed financial infrastructure will support cross-border financial cooperation and the internationalization of the Renminbi, increasing China's influence in global financial rule-making [2][3]. Group 3: Compliance and Enforcement - Financial infrastructure operators are required to operate with licenses, and illegal establishment or provision of financial infrastructure services is strictly prohibited [3]. - The measures emphasize a collaborative regulatory approach, ensuring compliance and stability in the operation of financial infrastructure [3]. - The ongoing efforts will focus on building a resilient financial infrastructure system that supports high-quality economic development [3].

对此，北京大学法学院教授王新指出，《管理办法》强调"基于风险"原则，细化不同风险情形下的差异 化措施，正是要促使金融机构走出"机械化"开展客户尽职调查的误区，建立起动态、精准的洗钱风险防 控机制。 具体来看，《管理办法》要求金融机构要结合风险状况开展客户尽职调查，不得采取与风险状况明显不 匹配的措施。专门增加并强调对低风险情形采取简化措施的要求，有助于提高正常金融业务的便利性。 仅在洗钱或恐怖融资高风险情形下，才要求采取强化尽职调查措施。 《管理办法》在防范风险的同时，注重保障公众正常金融服务需求。例如，未要求对5万元以上现金存 取业务一律核查资金来源和用途，而是规定仅对洗钱风险较高的情形强化尽职调查，避免过度干预普通 民众日常金融活动。在跨境汇款领域，《管理办法》重申了执行20余年的国际规则——1000美元以上跨 境汇款需传递真实汇款人信息，旨在确保身份真实准确，防范风险，并非新增要求。 "在全球化背景下，中国积极履行国际反洗钱义务，反映了监管对金融安全与稳定的重视。"博通咨询首 席分析师王蓬博认为，《管理办法》为金融机构提供了操作指南，有助于提升整个行业的风险管理水 平，也有助于加强金融机构的合规性，减少 ...

Core Viewpoint - The cultivation and construction of international consumption center cities is a significant decision by the central government aimed at boosting consumption, promoting high-quality development, and better meeting the needs of people's lives [1] Group 1: Innovation in Consumption Scenarios - Cities are actively innovating and enriching consumption scenarios to meet the personalized and quality demands of tourists, enhancing tourism services [2] - Beijing is integrating its rich historical culture with the trends of Generation Z through a "scene revolution," accelerating the construction of international consumption center cities [2] - The "Shanghai Summer" international consumption season has seen a 42.2% year-on-year increase in the number of overseas visitors and a 68.2% increase in foreign card spending [3] Group 2: Optimization of Consumption Environment - Beijing's Wangfujing area is undergoing changes with the introduction of high-quality flagship stores and outdoor activities, enhancing the shopping experience [5] - In 2023, nearly 400 new flagship stores opened in Beijing, with around 200 events held, significantly increasing the area's vibrancy [6] - Guangzhou has achieved a 99.9% acceptance rate for foreign cards among key merchants, with over 240,000 foreign visitors utilizing cross-border consumption services [6] Group 3: Strengthening Institutional Innovation - Shanghai has pioneered the "immediate refund" service for departure tax refunds, leading to a 126.7% year-on-year increase in tax refund transactions [7] - Beijing has expanded its departure tax refund services to include city-wide "immediate refund" points, enhancing the consumer experience for international travelers [7] - Guangzhou is implementing 129 pilot tasks to expand service industry openness, with successful experiences being replicated nationwide [8]