国家互联网信息办公室起草了《互联网应用程序个人信息收集使用规定（征求意见稿）》，于近日向社 会公开征求意见。征求意见稿提出，收集使用个人信息应当采取对个人信息主体权益影响最小的方式， 限于提供产品或者服务所必需，不得超范围收集使用个人信息。科技的发展让生活越来越便利，然而一 些企业、机构等随意收集、违法获取、非法买卖个人信息等问题长期存在，不仅危害人民群众生命健康 和财产安全，还扰乱市场竞争、破坏网络空间秩序。构建更加完善的个人信息保护体系，夯实建设数字 中国和网络强国的法治基石，才能让人民群众在信息化发展中有更多获得感、幸福感、安全感。 （文章来源：经济日报） ...

Group 1 - The article emphasizes the importance of developing key industrial chains to drive economic growth and enhance competitiveness, with a specific example from Shaanxi Province, where 16 key industrial chains involve nearly 500 enterprises, projected to account for about 80% of the city's industrial output value in 2024 [1] - It highlights the need for a resilient and strong industrial chain, which requires collaboration between government and enterprises to remove obstacles and enhance long-term development potential [1] - The article advocates for leveraging comparative advantages and developing industries suited to local conditions to avoid mismatches and ensure sustainable growth [1] Group 2 - It stresses the role of enterprises as the main actors in the industrial chain, suggesting that a unified approach is necessary for effective collaboration and innovation [2] - Local governments are encouraged to guide and integrate resources to address common challenges faced by industries, while also fostering the development of emerging sectors [2] - The article calls for a market-driven approach to resource allocation, supporting key enterprises to strengthen their positions within the industrial chain [2] Group 3 - The article discusses the government's role in optimizing the business environment and enhancing administrative efficiency to support key industries [3] - It suggests a focus on problem-solving and goal orientation, integrating online and offline services to improve the ease of doing business [3] - The article encourages the exploration of local service initiatives to better meet the needs of businesses and streamline administrative processes [3]

Core Insights - The ice and snow equipment industry in China is experiencing significant growth, transitioning from low-end homogenization to high-end differentiation, with a number of competitive enterprises rapidly emerging [1] - The industry is recognized as a core pillar for developing the ice and snow economy and is crucial for the upgrade of China's sports manufacturing sector towards high-end and intelligent production [2] Industry Development - By the first half of 2025, 34 key ice and snow equipment companies in Harbin are expected to see revenue growth exceeding 20%, with a local sports company covering 80% of the national ski resorts with its full range of ski products [1] - The national government has implemented various policies to support the development of the ice and snow equipment industry, including the "Action Plan for the Development of Ice and Snow Equipment Industry (2019-2022)" aimed at establishing a high-quality industrial system [1][2] Challenges and Opportunities - Despite the growth, the industry faces challenges such as a lack of high-end core technologies and the need for improved product stability and durability compared to international brands [2] - The industry also requires a more complete supporting system and a shortage of specialized research and development talent, which are seen as both obstacles and opportunities for targeted policy solutions [2] Collaborative Development - Emphasis on building a collaborative industrial system is crucial, with a focus on differentiated development across regions to avoid homogenized competition [3] - Strengthening talent support through partnerships between educational institutions and enterprises is essential to cultivate professionals who understand both ice sports and equipment manufacturing [3] Financial Support and Market Expansion - Encouraging financial institutions to increase credit support for ice and snow equipment companies can help alleviate funding pressures [3] - The integration of the ice and snow equipment industry with tourism and cultural sectors is a strategic direction, promoting the development of regionally distinctive ice-related products and extending the industrial chain [3] Future Prospects - The ice and snow equipment industry is positioned to benefit from unprecedented development opportunities due to national support for the ice economy, with a focus on technological innovation, industrial integration, and policy backing [3]

Core Viewpoint - The housing provident fund system in China is set for reform in 2024, aiming to enhance its role in stimulating domestic demand and stabilizing the market, benefiting more contributors and better meeting housing needs [1] Group 1: Housing Provident Fund Contributions and Reforms - In 2024, the number of contributors to the housing provident fund is expected to reach 176.29 million [1] - The central economic work conference in 2025 will propose deepening reforms of the housing provident fund system, elevating successful local experiences to a national level [1] Group 2: Support for Housing Purchases - The housing provident fund will continue to support residents in purchasing homes, with policies in place to increase loan limits and optimize processes for converting commercial loans to provident fund loans [1] - The fund is expected to adapt to support housing consumption throughout its lifecycle, including renovations and improvements to living conditions [1] Group 3: Expansion of Fund Usage - The housing provident fund's usage will expand beyond just employees to include flexible workers, with 23 new pilot cities added in 2024, increasing the total to 36 [2] - By the end of 2024, over 1 million flexible workers are expected to contribute to the fund, with 240,000 already utilizing it for housing [2] Group 4: Increased Support for Renters - In 2024, 81.27 million people are projected to withdraw from the housing provident fund, representing 46.10% of contributors, with a significant increase in withdrawals for rental purposes [3] - The fund will focus on supporting new citizens and young people in renting homes, alongside policies to ease down payment burdens for home purchases [3] Group 5: Broader Applications in Livelihood Areas - By the end of 2024, the total balance of the housing provident fund is expected to reach 10.93 trillion yuan [3] - Various cities are exploring the use of the fund for additional livelihood expenses, such as property fees and elevator installations in existing residential buildings [3] Group 6: Service Efficiency Improvements - There is a strong emphasis on enhancing the convenience and efficiency of housing provident fund services through improved data governance and standardized service levels [4]

Core Insights - Urbanization in China is transitioning from rapid growth to stable development, focusing on quality improvement rather than mere expansion [1] - The "14th Five-Year Plan" emphasizes the importance of urban connotation development, aiming to create modern, resilient, and intelligent cities [1] - The shift in urban development strategy reflects a need to optimize supply and meet the evolving demands of the population for a better quality of life [1] Group 1: Innovation and Economic Growth - Cities can leverage their numerous universities and research institutions to foster innovation and transform research advantages into industrial strengths [2] - The emergence of new business models, such as "super individuals" and "one-person companies," is driven by technological advancements and contributes to urban vitality [2] Group 2: Quality of Life and Community Development - The demand for housing is evolving from mere availability to quality, necessitating urban development that enhances living conditions [2] - Initiatives like Shanghai's "15-minute community life circle" aim to improve convenience and stimulate local commerce through better community facilities [2] Group 3: Environmental Sustainability and Health - Integrating green elements into urban planning can stimulate demand for green manufacturing and support the development of health-related industries [3] - Cities like Chengdu are promoting eco-friendly initiatives, such as extensive greenway networks, to enhance public health and recreational opportunities [3] Group 4: Infrastructure and Resilience - Building resilient cities is essential to withstand extreme weather events, making safety investments a strategic necessity for urban development [3] - Developing dual-use infrastructure and smart emergency systems is crucial for minimizing risks and ensuring sustainable urban growth [3] Group 5: Cultural and Human Interaction - Cultural heritage and immersive experiences can enhance a city's appeal, attracting talent and boosting local economies through creative industries [3] - Cities that effectively leverage their cultural resources can foster new business opportunities and enhance their overall attractiveness [3] Group 6: Digital Transformation and Economic Vitality - Accelerating digital transformation in cities can optimize the business environment and improve residents' quality of life [4] - Initiatives like digital currency integration with local commerce can create new economic opportunities while enhancing convenience for citizens [4] Group 7: Governance and Policy Framework - A shift in evaluation criteria for urban development is necessary, focusing on productivity, income, and cultural appeal rather than just growth metrics [4] - Establishing a stable and transparent regulatory framework is essential for attracting social capital and ensuring sustainable urban development [4]

随着各地欠薪治理力度的持续加码，明目张胆的拖欠、克扣工资行为得到有效遏制，但部分企业转而采 用"以券抵薪""以物抵薪"等隐蔽手段规避监管，这种变相违法违规行为更具迷惑性，需重点防范纠治。 工资支付有法定边界，"以券抵薪""以物抵薪"绝非企业可随意变通的经营选择，而是侵害劳动者合法权 益的违法违规行为。我国法律对工资支付有着明确且刚性的规定——劳动法明确了工资应当以货币形式 按月支付给劳动者本人，不得克扣或者无故拖欠劳动者的工资；《工资支付暂行规定》进一步细化，工 资应当以法定货币支付，不得以实物及有价证券替代货币支付。 近日，某公司以消费券形式发放员工工龄补贴，引发劳动合同纠纷。法院认定，用人单位未经协商即以 消费券形式发放工龄补贴并限制提现、限定消费平台及方式的做法违反法律强制性规定，侵害了劳动者 的合法权益，依法判决公司以货币形式支付工龄补贴差额。 整治"以券抵薪"乱象，需要多方协同发力、形成共治合力。劳动者应增强法律意识和维权能力，在遭 遇"以物抵薪""以券抵薪"等不合理情形时，及时提出异议并注意保留劳动合同、工资条、沟通记录等相 关证据，通过向劳动监察部门投诉、申请劳动仲裁等合法途径，主动捍卫自身权益 ...

Core Viewpoint - In 2025, China's economy is expected to demonstrate strong resilience and vitality, driven by more proactive macroeconomic policies, including a shift to a more aggressive fiscal policy and a moderate easing of monetary policy [1][2]. Fiscal Policy - The fiscal policy in 2025 is characterized as "more proactive," aimed at addressing various challenges while enhancing long-term development momentum and promoting high-quality economic growth [2]. - The deficit ratio is set at around 4%, an increase of 1 percentage point from the previous year, with a deficit scale of 5.66 trillion yuan, marking the highest levels in recent years [2]. - The increase in the deficit ratio and scale indicates an expansion of fiscal spending to boost consumption and investment, thereby increasing overall social demand and driving economic growth [2][3]. Government Bonds and Investment - A larger scale of government bonds is planned, including 4.4 trillion yuan in new local government special bonds to support key areas and projects [3]. - The issuance of long-term special government bonds totaling 1.3 trillion yuan aims to support major projects and enhance the capacity to serve the real economy [3]. - Central government transfers to local governments are set at 10.34 trillion yuan, an increase of 8.4%, focusing on enhancing local financial capabilities [3]. Consumer Support and Demand Expansion - The 2025 fiscal policy emphasizes expanding domestic demand, with direct consumer subsidies and initiatives to promote consumption [5][7]. - The "old-for-new" subsidy program for consumer goods, including home appliances and mobile phones, is expected to significantly boost sales, with over 2.2 billion items sold and sales exceeding 700 billion yuan [7][8]. - The introduction of personal consumption loan interest subsidies aims to lower costs for consumers and stimulate demand [8]. Investment in Human Capital - The 2025 government report highlights a focus on investing in people, with significant cash subsidies for childcare and education aimed at reducing family burdens [10][11]. - A nationwide subsidy of 3,600 yuan per child per year for children under three marks a significant investment in social welfare [11]. - Employment policies are prioritized, with measures to reduce unemployment insurance rates and expand support for job creation [12]. Reform and Efficiency - Fiscal and tax reforms are ongoing, with zero-based budgeting being a key focus to enhance the efficiency of budget allocations [14]. - The implementation of a national asset sharing platform aims to optimize the use of government assets and improve resource allocation [15]. - Tax reforms, including the introduction of a new VAT law and green tax initiatives, are designed to support sustainable economic development [16]. Risk Management - Measures to manage local government debt are in place, with a focus on increasing transparency and reducing repayment pressures, allowing for more funds to be directed towards economic development and social welfare [17].

近期召开的国务院常务会议，围绕支持民间投资，提出实施中小微企业贷款贴息政策，设立民间投资专 项担保计划，建立支持民营企业债券风险分担机制，优化实施设备更新贷款财政贴息政策，进一步降低 企业融资门槛和成本。这释放出鼓励民间资本深度参与国家经济建设的信号。 民间投资是推动我国经济社会发展不可或缺的力量，激发民间投资潜力，不仅有利于发挥其对稳定投资 增速、创造就业机会、提振市场信心、促进经济增长的积极作用，而且对于推动创新发展和产业转型升 级、加快构建高水平社会主义市场经济体制、增强经济高质量发展动力均有重要意义。"十五五"规划建 议提出，"完善民营企业参与重大项目建设长效机制""激发民间投资活力、提高民间投资比重"，明确了 今后一段时期促进民间投资发展的政策方向。当前，随着民间投资市场准入持续放宽，要素保障不断加 强，民营企业参与国家重大项目、重点领域建设的积极性显著提高，并且加速布局高新技术产业、战略 性新兴产业和未来产业，人工智能、商业航天、低空经济、绿色能源、生物医药等成为投资热点。民间 投资"向实""向新""向高"态势凸显。 也要看到，充分释放我国民间投资潜力，仍面临一些亟待破解的问题。比如，部分领域隐性 ...

从AR眼镜透视智能世界，到虚拟手术室重塑医疗培训，再到红色历史在MR中"可感可触"……上海正向 世界展示一幅通过核心技术攻关、场景深度融合与生态协同共建绘制出的元宇宙创新全景图。 截至2025年9月，上海元宇宙核心及关联产业规模已突破3000亿元，全市已集聚XR终端制造企业30余 家，光学模组、空间计算芯片等核心元器件产能占全国40%以上。 技术突围 元宇宙的持续创新发展，离不开底层技术的坚实基座。上海围绕近眼显示、渲染处理、感知交互等环 节，构建自主可控的创新链条，在关键领域实现从跟跑到并跑乃至领跑的跨越。 动作捕捉技术作为连接虚实的"桥梁"，其精度与可靠性至关重要。上海青瞳视觉科技有限公司以计算机 视觉与AI为核心，构建了完整的高精度3D智能感知与人机交互技术体系。作为连接现实与虚拟世界的 核心"传感器"——光学动作捕捉技术正打破国外垄断，实现国产化全栈自研。 当记者来到该公司位于上海宝山的动捕创作基地，一套精密的光学相机系统正在捕捉演员的细微动 作。"该产品不仅能捕捉运动员动态级别的高难度运动，甚至能精准还原指尖与眉梢的细微动作和表 情。"青瞳视觉市场总监曾婷说，"我们既可以在九级大风中捕捉飞机机翼形变 ...

Core Viewpoint - The super-large market is a significant advantage for China's economic development and an important strategic resource for participating in international competition, serving as a stabilizer for economic operations and a driving force for new momentum and advantages [1] Group 1: Strategic Importance of the Super-Large Market - The "14th Five-Year Plan" emphasizes that a strong domestic market is the strategic support for Chinese-style modernization, providing a solid foundation for maintaining strategic determination and achieving technological self-reliance [2] - The super-large market can offer alternative growth space for enterprises, accelerating key technology breakthroughs and the localization process, especially in hard-core technology sectors [2] - China's large market enhances its influence in global economic governance, allowing it to have greater bargaining power in international trade negotiations and standard-setting [2] Group 2: Demand and Supply Dynamics - The super-large market can meet diverse and multi-level demands, improving supply-demand adaptability and balance, with over 1.4 billion people and more than 400 million middle-income groups [3] - The market's resilience is increasingly evident, supporting the economy during external shocks and structural adjustments, with potential demand in lower-tier cities and rural areas [3] Group 3: Resource Attraction and Industrial Development - The scale economy and cost advantages of the super-large market support specialized division of labor and efficient supply chain networks, enhancing the competitiveness of domestic enterprises [4] - The rapid development of the new energy vehicle industry, which ranks first globally in production and sales, is supported by the domestic super-large market [4] - The market's vast consumer base generates massive data and application scenarios, attracting global capital and top talent, fostering opportunities for the smart and digital economy [4] Group 4: Innovation and Market Vitality - The super-large market acts as an "accelerator" for new technologies and products, shortening the commercialization process and facilitating the transition from old to new momentum [6] - The rapid development of mobile payments, e-commerce, and live-streaming commerce showcases China's unique commercial advantages, driven by a large young consumer base [7] - New business models and industries are emerging, empowering millions of small merchants and creators, thus releasing strong economic vitality [7] Group 5: Policy Recommendations for Market Potential - The new wave of technological revolution and industrial transformation presents historical opportunities for leveraging the super-large market advantage to promote high-quality development [8] - Comprehensive policies are needed to enhance market inclusiveness, improve supply-demand adaptability, and stimulate diverse consumption and market potential [8] - Strengthening regional coordinated development and enhancing the innovative capabilities of key urban areas will further release multi-layered market potential [11]