山东烟台地处胶东半岛，是我国北方第一个经济总量过万亿元的地级市。2023年，经济总量达到1.03万 亿元；2024年稳步前行，实现经济总量1.08万亿元。今年前三季度，烟台市实现地区生产总值8223.52亿 元，同比增长6.4％。 经济总量过万亿元不仅是量的增加，更意味着烟台集聚资源的能力增强，发展空间更广，承担的责任更 重。 2024年5月，习近平总书记在山东考察时要求山东加快建设绿色低碳高质量发展先行区，打造高水平对 外开放新高地，奋力谱写中国式现代化山东篇章。 山东部署构建济南、青岛、烟台"三核引领"发展格局，特别提出"支持烟台打造绿色低碳高质量发展示 范城市"，要求烟台在先行区走在前、作示范。 "这是新时代赋予烟台的重大使命，也是烟台推进高质量发展的重大机遇。"山东省委常委、烟台市委书 记江成说，绿色生态是烟台最亮丽的标识，发展中要有这样坚定的信念和追求：像保护眼睛一样保护自 然和生态环境。 绿色低碳高质量发展牵动着烟台推进产业、能源、城市、生活转型升级的澎湃波涛，一座绿意盎然、生 机勃发的生态之城，正在黄海与渤海汇聚的地方奋然崛起。 一池春水—— 万亿之城向"绿"而生 认识烟台，绕不开两个70％：在 ...

前三季度十大经济强省"门槛"跃上4万亿元台阶——地区经济发展韧性进一步彰显 前三季度，海南省社会消费品零售总额同比增长8.6%。得益于大力实施提振消费专项行动，"以旧换 新"等系列扩内需促消费政策措施成效显现，海南省大宗商品交易、家具家装消费、汽车销售、旅游出 行等服务消费持续保持高速增长态势。 经济日报记者 熊丽 31个省份经济运行"三季报"均已发布。今年以来，面对外部压力加大和内部困难较多的复杂局面，我国 经济发展顶住压力稳中有进。从地方层面看，各地全力以赴稳增长、扩需求、育动能，多个省份经济总 量迈上新台阶，21个省份增速跑赢或持平于全国水平，发展韧性不断增强。 发展基础继续夯实 从经济总量看，广东、江苏、山东、浙江、四川、河南、湖北、福建、上海、湖南位列全国前十。 前三季度，广东、江苏地区生产总值双双突破10万亿元大关，分别达到105176.98亿元和102811亿元。 山东、浙江分别为77115亿元和68495亿元。四川、河南、湖北、福建、上海、湖南同处于"4万亿元"区 间，其中，四川为49322.2亿元，河南为48867.57亿元，湖北为44875.62亿元，福建为42339.86亿元。前 三季度 ...

当前，以良田、良种、良机、良法为核心的农业科技创新体系加速构建，现代农业新质生产力蓬勃 成长，土地产出率、劳动生产率、资源利用率同步提高，为保障粮食供给、推动农业高质量发展注入力 量。 良田提质夯根基，科技创新增沃土。高标准农田建设是科技创新支撑粮食丰收的坚实基础。耕地是 粮食生产的命脉，良田更是良种、良机、良法高效落地的先决条件。近年来，我国大力推进高标准农田 建设，农田抗灾能力和综合产能显著提升。在管理方式上，运用遥感监测、物联网等现代化手段，动态 评估土壤状况，为科学种植提供精准依据。在土壤改良上，因地制宜、分类施策，盐碱地重点推进排盐 工程与生物改良，东北黑土区着力推广保护性耕作，南方红黄壤地区则主攻酸化治理与地力培肥。据统 计，建成后的高标准农田亩均粮食产能提升约10%，防灾减灾能力明显增强，成为国家粮食安全名副其 实的"压舱石"。 良种攻关破壁垒，科技自强固芯脉。种业突破是科技创新驱动粮食丰收的核心引擎。种子作为农业 的"芯片"，其研发水平直接关乎国家粮食安全与农业可持续发展。"十四五"以来，我国加快构建企业为 主体、市场为导向、产学研深度融合的现代种业创新体系，依托基因编辑、全基因组选择等前沿技 ...

Core Viewpoint - The recent notification from the National Financial Supervision Administration emphasizes the implementation of "reporting and execution consistency" in the non-auto insurance sector starting November 1, 2025, aiming to address long-standing issues such as high costs and low rates in the industry, leading to a phase of high-quality development focused on compliance and quality [1][2]. Group 1: Regulatory Changes - The notification prioritizes the optimization of assessment mechanisms, requiring insurance companies to reduce the weight of premium scale, business growth, and market share in evaluations, while increasing the focus on compliance, quality, and consumer rights protection [2]. - The "reporting and execution consistency" mandates that the insurance terms and rates executed by companies must align with those submitted to regulatory authorities, aiming to curb excessive reliance on intermediaries and low-price customer acquisition strategies [2][3]. Group 2: Financial Performance and Market Dynamics - Non-auto insurance premiums reached 514 billion yuan in the first half of 2025, marking a 5.6% year-on-year increase and accounting for 53% of total property insurance premiums, positioning it as a key growth driver for the industry [1]. - The industry has faced challenges such as high expense ratios and the phenomenon of "increased revenue without increased profit," driven by aggressive competition among companies [1][2]. Group 3: Implementation Measures - The notification introduces strict constraints on insurance companies, requiring them to scientifically determine insurance rates and establish a mechanism for periodic review and dynamic adjustment of rates [3]. - A new "fee-for-policy issuance" system mandates that insurance companies issue policies and invoices only after collecting premiums, aimed at preventing off-the-books operations and reducing claims disputes [3]. Group 4: Industry Response and Future Outlook - The regulatory framework is complemented by industry self-regulation, with monitoring of abnormal commission rates and penalties for false reporting or rate adjustments [4]. - Experts believe that the "reporting and execution consistency" reform will lead to a healthier market order, shifting the focus from scale and channel competition to risk management and service quality, although some smaller companies may experience slowed premium growth in the short term [4].

Core Insights - The 2025 Shanghai International Reinsurance Conference concluded, showcasing multiple industry technological innovation platforms and facilitating discussions on the development of the reinsurance industry and global risk governance [1] Group 1: Reinsurance Functionality - Reinsurance acts as an "amplifier," "regulator," and "connector" in the insurance industry, promoting rational competition and effective risk management [2] - In the first nine months of 2025, the insurance industry's premium income reached 5.2 trillion yuan, a year-on-year increase of 8.5%, while claims amounted to 1.9 trillion yuan, up 7.4% [2] Group 2: Global Disaster Risk Management - In 2024, global natural disaster losses exceeded $320 billion, significantly higher than the average over the past 30 years, with reinsurance companies playing a crucial role in risk dispersion [3] - Catastrophe bonds have become an essential tool for risk dispersion, with total issuance reaching $7.1 billion in Q1 2025, marking a historical high [3] Group 3: Regulatory Developments - The Financial Regulatory Bureau issued a notice supporting domestic insurance companies in issuing "sidecar" insurance-linked securities in Hong Kong, enhancing catastrophe risk management tools [4] - The "sidecar" securities allow insurance companies to transfer risks to specially established Special Purpose Insurance Companies (SPI), which raise funds through securities issuance [4] Group 4: Research and Innovation - The reinsurance industry is driven by research and innovation, with a focus on climate risk management due to the increasing frequency of extreme weather events [5][6] - China Re launched a climate change risk insight platform, which integrates international modeling methods and local disaster characteristics to support climate risk management [6] Group 5: Market Opportunities and Internationalization - China's reinsurance market accounts for only 4% of the global market, indicating a need for enhanced pricing and market leadership capabilities [8] - The Shanghai International Reinsurance Center has attracted 26 insurance institutions and 128 trading permissions, indicating a growing reinsurance ecosystem [8][9] Group 6: Strategic Recommendations - Recommendations for enhancing Shanghai's reinsurance market include creating a favorable regulatory environment, improving market systems, and developing a talent pool for internationalization [10][11]

Economic Overview - The economic performance report for the first three quarters has been released, showing resilience and progress despite external pressures and internal challenges [2] - 21 provinces have achieved growth rates that either exceed or match the national average of 5.2%, indicating strengthened economic resilience [3] Economic Scale - Guangdong and Jiangsu have both surpassed the 10 trillion yuan mark in GDP, reaching 10,517.698 billion yuan and 10,281.1 billion yuan respectively [2] - The threshold for the top ten economic provinces has increased from 3.7 trillion yuan to 4 trillion yuan compared to the same period last year [2] Growth Rates - Tibet leads with a growth rate of 7.1%, while Gansu has maintained a growth rate above the national average for 15 consecutive quarters at 6.1% [3] - The Yangtze River Delta region has shown strong economic performance, with a total economic output exceeding 25 trillion yuan, accounting for nearly one-quarter of the national total [3] Foreign Trade - The foreign trade data for the first three quarters reflects resilience, with Guangdong, Jiangsu, Zhejiang, Shanghai, and Shandong contributing over 80% to the national import and export growth [4] - Zhejiang's foreign trade reached historical highs, with total import and export values surpassing 4 trillion yuan [4] Domestic Demand - The implementation of proactive macro policies has effectively stabilized the economy, with significant growth in consumer spending observed in provinces like Hainan and Henan [5] - Hainan's retail sales grew by 8.6%, while Henan's retail sales increased by 6.2%, showcasing strong consumer demand [5] Innovation and New Industries - Technological innovation is becoming a key driver of high-quality development, with significant growth in high-tech manufacturing in regions like Shanghai and Jiangsu [6] - In the central and western regions, industries such as strategic emerging industries in Henan and high-tech manufacturing in Hubei have shown remarkable growth rates [6] Service Sector Development - The modern service industry is accelerating, with significant growth in information technology services in Beijing and research and development revenues in Hunan [7] - The film and television production industry in Henan has seen a dramatic increase in revenue, growing by 107.8% due to the rapid development of the micro-short drama industry [7] Future Outlook - Despite the complex external environment, provinces are actively planning for the fourth quarter to ensure the achievement of annual economic goals [7] - Guangdong and Shanghai have outlined strategies to enhance economic operations and contribute to national economic stability [7]

经营业绩持续改善。前三季度，上市公司合计实现营业收入53.46万亿元，净利润4.7万亿元，同比分别 增长1.36%、5.5%。全市场共4183家上市公司实现盈利，盈利面近八成，3182家公司营收正增长，2467 家公司净利润正增长，1957家公司营收、净利双增长。 科创企业增势明显。前三季度，创业板、科创板、北交所上市公司分别实现营收32486.28亿元、 10142.07亿元、1450.68亿元，净利润2446.61亿元、441.25亿元、92.03亿元，其中创业板营收、净利润 增速均超10%。上市公司含"科"量进一步提高，全市场总市值达107.32万亿元，其中电子行业位列第 一，占比12.42%，较年初提升近3个百分点。 原标题：前三季度近八成上市公司盈利 本报北京11月3日讯（记者祝惠春）中国上市公司协会最新数据显示，截至10月31日，除公告延迟披露 外，我国境内股票市场共5446家上市公司披露2025年三季度报告。上市公司整体业绩持续改善，科创引 领作用凸显，分红回购频次稳步提升，高质量发展迈出坚实步伐。 分红回购频次提升。截至10月31日，共有1033家上市公司公布一季度、半年度、三季度现金分红预案 ...

由工业和信息化部指导、中国汽车工程学会组织全行业2000余名专家历时一年半修订编制的《节能与新 能源汽车技术路线图3.0》日前发布。围绕全球汽车技术"低碳化、电动化、智能化"的发展方向，该路 线图提出了面向2040年我国汽车产业发展的七大目标。未来5年至15年，新能源汽车成为汽车市场主流 产品，坚持电动化战略方向不动摇。从产品角度来看，预计2040年，新能源乘用车渗透率将达到85%以 上，其中BEV(纯电动)占80%。 "新路线图核心亮点是坚持'油电共进'战略，这与我们乘联分会一直认为的'油电同强'观点相一致，也与 世界新的能源理念相一致。"中国汽车流通协会乘联分会秘书长崔东树告诉记者，除了明确新能源乘用 车渗透率外，新路线图还强调，新能源商用车的应用场景将从当前的城市、短途场景不断拓展至中长途 场景，到2040年，新能源商用车渗透率将达到75%左右；到2040年，燃料电池汽车将实现从当前的万辆 提升至10万辆、100万辆的阶梯式突破，总体规模将达到400万辆以上。 同时，汽车科技创新实现教育、科技、人才协同融合发展，中国成为全球汽车科技原始创新策源地，原 始创新能力引领全球；建成创新引领、数据驱动、协同高效 ...

Core Insights - China's economy has shown resilience and progress despite external pressures and internal challenges, with 21 provinces achieving growth rates that either surpassed or matched the national average of 5.2% [1][3] Economic Performance - The top ten provinces by economic output are Guangdong, Jiangsu, Shandong, Zhejiang, Sichuan, Henan, Hubei, Fujian, Shanghai, and Hunan, with Guangdong and Jiangsu both exceeding 10 trillion yuan in GDP [2] - The economic threshold for the top ten provinces has increased from 3.7 trillion yuan to 4 trillion yuan compared to the previous year [2] Growth Rates - 21 provinces have growth rates that either exceed or match the national average, with Tibet leading at 7.1% growth [3] - Gansu has maintained a growth rate above the national average for 15 consecutive quarters, while Hubei's growth rate is 6% [3] Trade Performance - External trade data reflects resilience, with Guangdong, Jiangsu, Zhejiang, Shanghai, and Shandong contributing over 80% to national import and export growth, with Zhejiang achieving historical highs in trade values [4] Demand and Consumption - The implementation of proactive macro policies has effectively stabilized economic operations, with notable growth in retail sales in provinces like Hainan and Henan [5] - Hainan's retail sales grew by 8.6%, while Henan's retail sales increased by 6.2% [5] Innovation and New Growth Drivers - There is a significant focus on technological innovation, with high-tech manufacturing in regions like Shanghai and Jiangsu showing substantial growth [7] - In the central and western regions, industries such as strategic emerging industries in Henan and high-tech manufacturing in Hubei have also seen impressive growth rates [7] Future Outlook - Various provinces are actively planning for the fourth quarter to ensure the achievement of annual economic goals, with Guangdong and Shanghai emphasizing the need for effective policy implementation and economic management [8]

不过，当前农业基础还比较薄弱，农村发展仍然滞后，城乡居民收入的绝对差距依然不小。必须继 续加大强农惠农富农政策力度，提高强农惠农富农政策效能，确保人力投入、物力配置、财力保障等与 乡村振兴目标任务相适应。完善城乡融合发展体制机制，拓展农民增收致富渠道，推动城乡基本公共服 务均等化，让农村逐步具备现代生活条件，让农民过上更富裕美好的生活。 加快健全种粮农民收益保障机制。从价格、补贴、保险等方面强化农业支持保护政策，进一步提高 政策精准性和有效性。价格方面，推动粮食等重要农产品价格保持在合理水平，推进粮食购销和储备管 理体制机制改革，让农民丰产又增收。补贴方面，优化农业补贴政策体系，在补贴领域、对象、方式上 适应形势变化，让种粮务农得实惠。保险方面，发展多层次农业保险，健全政策性保险、商业性保险等 保险产品体系，推动扩面、增品、提标，减少农民后顾之忧。资金保障方面，坚持将农业农村作为一般 公共预算优先保障领域，创新乡村振兴投融资机制，让各类主体敢投入愿投入。 促进农村公共服务普惠均衡。当前，农村基础设施还存在重建轻养、重用轻管等问题，农村公共服 务还存在质量不高、不够均衡等问题。补齐乡村基础设施和公共服务短板，需 ...