Core Viewpoint - Major banks are competing for year-end bonuses by promoting exclusive investment products through digital channels, focusing on low-risk options to meet investor demand for stability and flexibility [1][2]. Group 1: Investment Strategies - Banks are shifting from selling individual products to offering comprehensive financial solutions, with features like "year-end bonus investment destinations" that allow for flexible selection across various asset classes [2]. - Financial institutions are leveraging their asset allocation capabilities to enhance customer loyalty and meet diverse needs, with tailored strategies such as "conservative + stable + progressive" approaches for year-end bonuses [2][3]. Group 2: Market Trends and Challenges - The wealth management business is becoming increasingly important for banks amid regulatory changes and pressure on interest margins, with year-end bonuses creating a unique opportunity for asset allocation [1][4]. - Banks face challenges such as product homogeneity and the risk of misleading marketing practices, which could lead to irrational decision-making among consumers [3]. Group 3: Customer-Centric Approaches - Banks are encouraged to focus on customer needs by providing clear explanations of asset logic in different market environments and enhancing financial literacy among clients [4]. - It is essential for banks to integrate internal financial data to create comprehensive customer profiles and offer dynamic, adjustable solutions while maintaining transparency regarding risks [4]. Group 4: Investor Guidance - Investors are advised to incorporate year-end bonuses into their overall wealth planning, focusing on key factors such as fund management, investment strategies, historical volatility, and fee structures to avoid impulsive decisions [4][5]. - It is recommended that investors clarify their financial needs and risk tolerance, prioritizing liquidity and safety for short-term funds while considering higher-yield products for medium to long-term investments [5].

我叫谢卓霖，是一名在四川省巴中市恩阳区街头巷尾奔忙的外卖员。 （文章来源：经济日报） 以前办个事、反映个问题，可能要跑好几个地方。现在，我用手机上的"巴智慧社区"小程序，就能查看 社区通知，送餐途中看到市政设施损坏，还能及时上报。我们社区的"红色议事厅"，把社区干部、党员 和居民代表凝聚到一起，大事小事共商共议。"十四五"时期，通过"巴中有礼·志愿有我"品牌，全市万 余名党员干部下沉基层，14个志愿服务联盟、54万名注册志愿者带动360余万名市民共同出力，在全市 形成了强大的志愿服务体系。 什么是"均等"？在我看来，现代化建设的成果不仅要惠及城市居民，还要让更多公共服务向基层下沉、 向农村覆盖、向边远地区和生活困难群众倾斜。 "十五五"时期，我期待在大街小巷幸福而充实的奋斗中，和大家一起见证越来越多幸福的笑脸。 一座城市的温度，体现在对每个人的细致关怀上。我每天穿梭在各个居民小区，最能体会到温暖。早上 路过恩阳区登科街道的"幸福驿站"，看见老人们在里面唱歌、下棋，笑得格外开心，听说食堂还为他们 定制健康餐。下午，当我经过多个社区的普惠托育点，看到家长们安心地把孩子送来，下班再接走，不 再手忙脚乱。而我们这些风 ...

Core Insights - Hainan Free Trade Port has shown a vibrant economic landscape with significant growth in foreign trade and investment since its closure on December 18, 2025, indicating a successful implementation of its policies [1][3][8] Policy Implementation - The Hainan Free Trade Port has adopted a policy framework of "one line open, one line controlled, and free movement within the island," leading to a smooth operation and initial positive outcomes within the first month of closure [1][3] - The customs department reported that the "zero tariff" policy has been fully implemented, enhancing trade management and increasing the attractiveness of the region for foreign investment [1][2] Trade and Economic Data - In the first month post-closure, the total import and export value of goods through Hainan's open ports reached 163.68 billion yuan, a 3.6% increase [2] - Daily average of 24,000 consumers engaged in duty-free shopping, with total shopping amounts reaching 4.86 billion yuan, reflecting a 95.2% increase compared to the previous period [4][2] Business Growth - The number of new business entities established in Hainan reached 26,800, with 21,000 new companies, marking a year-on-year growth of 16.42% [2] - The processing and value-added duty-free policy has led to significant cost reductions for companies, with some reporting a decrease of 400 yuan per ton in production costs [7] Consumer Behavior - The duty-free shopping experience has been enhanced, with consumers showing increased enthusiasm for purchasing goods, leading to long queues at major duty-free stores [4] - The average daily shopping amount has reached 160 million yuan, surpassing pre-closure levels [4] Logistics and Efficiency - The establishment of a 100,000 square meter intelligent logistics park has improved logistics efficiency by approximately 35%, facilitating faster product turnover and inventory replenishment [5][6] - The average customs clearance time has been reduced by 27%, enhancing the overall operational efficiency of the port [6] Market Outlook - The positive market response reflects confidence in Hainan's long-term development and the effectiveness of China's institutional opening-up strategy [8] - The successful implementation of policies is expected to attract more high-end manufacturing and create a modern industrial system with unique advantages [3][8]

回望2025年，我国房地产市场和房地产业在深度调整过程中面临一定压力，也在顶压前行中展现韧性。 我国着力促进房地产市场止跌回稳，房地产发展新动能正在转型中逐步形成。 市场呈现筑底调整 本轮房地产市场调整从2021年下半年开始，已经延续4年多时间。2025年，我国房地产市场呈现筑底调 整态势。房地产业是国民经济的重要产业和居民财富的重要来源。促进房地产市场平稳健康发展，关系 我国宏观经济稳定。 2025年，我国着力促进房地产市场止跌回稳，推动构建房地产发展新模式，坚定推动房地产高质量发 展。各地区、各部门形成合力，打赢保交房攻坚战，切实保障购房人合法权益，交付风险大幅度降低， 既保证了社会经济稳定，也为房地产后续发展奠定基础。各地落实好政策"组合拳"，持续释放政策效 应，城市政府充分用好房地产调控自主权，调整优化房地产政策。有关部门统筹防风险和促转型，坚持 市场化、法治化原则，加强销售资金监管，推动地级及以上城市全部建立房地产融资协调机制，"白名 单"项目扩围增效。 2025年，我国房地产业统筹惠民生和稳增长。38个城市开展老旧住房自主更新、原拆原建，266个地级 及以上城市建立住房保障轮候库，以需定建、以需定 ...

（文章来源：经济日报） 本报武汉1月22日讯（记者柳洁、董庆森）2026年中国会展经济国际合作论坛22日在湖北省武汉市开 幕，本届论坛以"变革的时代：共塑链接智创未来"为主题，来自中外会展机构、行业协会等领域的600 多位嘉宾齐聚江城，为会展业高质量发展建言献策。 中国会展经济国际合作论坛由中国贸促会创办，是唯一经国务院批准的国家级、国际性专业会展论坛。 作为本次大会承办地，武汉会展业蓬勃发展，2025年展览面积突破1200万平方米，位居中部前列。 ...

把生态产品价值实现嵌入遗产地运营机制，要算得清、分得明、可持续。农业文化遗产提供的水源涵 养、土壤保持、洪水调蓄、生物多样性维护与文化景观等公共产品，天然具有生态产品属性。推动"生 态友好型农产品+地理标志+质量追溯"体系建设，让生态优势通过标准、认证、品牌与渠道转化为溢价 能力，使"绿水青山"真正成为"可交易、可分享、可再投入"的资产。 以"全季全时"业态组合对冲季节波动，提升流域产业韧性。在旺季，强化预约分流、容量管理与生态红 线约束；在淡季，发展不依赖农时的室内体验、非遗工坊、研学课程、节气文化活动与数字化展示，形 成"四季有内容、全年可消费"的产品矩阵。以流域公共品牌为牵引，推动农产品精深加工、文创、民 宿、康养与研学形成组合收入，增强经营稳定性。 建立"社区共建共享"的治理结构，让遗产保护与流域发展形成利益共同体。完善农户参与机制，鼓励以 资源入股、劳务合作、经营服务、合作社与村集体公司等方式，让社区成为遗产运营的主体之一。在流 域层面，探索跨区协调的特许经营、品牌授权与收益分配规则，避免"各自为战、低水平重复"，推动形 成联动发展格局。 农业文化遗产承载着农业生物多样性、独特的生态与文化景观等内涵 ...

稳定中小微企业的信贷资金使用预期，关键在于稳定银行信贷资金供给，后者能否保持稳定，很大程度 上取决于中小微企业贷款的信用风险水平与风险分担机制。贷款担保是信用风险分担机制的重要组成部 分，它有效解决了当企业还不上某笔贷款、银行出现信贷损失时，如何分担、补偿损失的这一难题。 风险补偿有助于降低金融机构顾虑，撬动更多信贷资金流向中小微企业，根据此次发布的《关于实施民 间投资专项担保计划的通知》，符合条件的中小微企业因为生产场景的拓展、改造、升级，以及改扩建 厂房、店面装修等生产经营活动需要的中长期贷款，均可获得支持。 （文章来源：经济日报） 中小微企业用得起信贷资金的背后，贷款贴息政策发挥了重要作用。虽然近年来我国中小微企业综合融 资成本持续下行，但对于企业来说，利息支出仍是一笔不小的开销，且具有刚性约束。贷款贴息政策用 真金白银直接降低了中小微企业的信贷资金成本，助力企业轻装上阵。此次发布的《关于实施中小微企 业贷款贴息政策的通知》明确提出，对2026年1月1日起经办银行发放的、符合条件的中小微民营企业固 定资产贷款和中小微民营企业参与项目使用的新型政策性金融工具资金，中央财政按照贷款本金给予年 化1.5个百分 ...

Core Viewpoint - The article highlights the significant increase in soybean production in China, with a focus on the importance of high-quality development in the agricultural sector, particularly in the soybean industry, as a means to ensure food security and enhance the value chain of agricultural products [1][4]. Group 1: Soybean Production and Quality Improvement - In 2025, China's soybean production reached 478.6 billion jin, an increase of 6.1 billion jin from the previous year, with soybean yield at 418.1 billion jin, reflecting a growth of 1.3% [1]. - The "Four Good" integration approach aims to enhance soybean yield through improved farming practices, high-quality seed varieties, and advanced agricultural machinery [2][3]. - The promotion of high-oil, high-protein soybean varieties has led to an increase in planting area, with over 38 million mu dedicated to these varieties in 2025, up by more than 15 million mu since 2020 [1][2]. Group 2: Technological Advancements and Equipment - New agricultural equipment, such as a domestic instrument for rapid, non-destructive quality testing of grains, has been showcased, significantly reducing testing time from over four hours to about one minute [2]. - The integration of high-performance planting and harvesting machinery is being promoted to improve operational efficiency and soil fertility [2]. Group 3: Value Chain Enhancement - The expo demonstrated the entire value chain from soybean production to processing, showcasing innovative products like soybean ice cream and low-purine soybean products, which enhance consumer experience and reflect industry innovation [4][5]. - Companies like Shandong Yuwang Group are extending the soybean value chain by processing 600,000 tons of soybeans into various products, aiming for maximum value realization [5]. Group 4: Supply Chain Security and Financial Support - Efforts to enhance the safety of the soybean supply chain include increasing domestic production capacity and improving international market negotiation power [6]. - Financial institutions are providing support for the entire soybean industry chain, ensuring stable production and market confidence [6]. Group 5: Future Directions - Experts emphasize the need for continued efforts in breeding, processing, market expansion, and diversified imports to ensure the safety and high-quality development of the soybean industry [7].

1月20日，上海初降小雪，18时20分，国网上海市电力公司"电鹰"主动抢修系统告警，徐汇区冠生园路 发生2户停电故障，属地抢修人员根据移动掌机定位，于18时35分抵达停电现场，随即开展抢修，并于 18时47分恢复现场供电，全程用户"零"报修。类似这样无感抢修的供电服务，已在我国多地推广实施， 实现"让抢修跑在报修前"的模式升级，推动我国供电可靠性进一步提升。 电力是千家万户获得感最直接的民生指标。当前，电力负荷密度快速增长、配电网运行形态越发复杂、 运行不确定性上升，传统"报修—派单—抢修"的配电网故障处置链条，难以满足群众对"少停电、快复 电、早告知"的新期待。 国家发展改革委、国家能源局近日印发的《促进电网高质量发展的指导意见》提出，到2030年，主干电 网和配电网为重要基础、智能微电网为有益补充的新型电网平台初步建成。公共电网的基础作用充分发 挥，智能微电网多元化发展，电力系统保持稳定运行，服务民生用电更加有力。 推动城市配电网主动抢修，是提升服务民生用电水平、保障经济社会高质量发展的关键课题。主动抢修 的核心在于把风险识别做在前、把故障定位做得准、把抢修处置做得快，并以更强的感知能力支撑更透 明的服务 ...

（文章来源：经济日报） 人力资源和社会保障部近日印发通知，部署开展2026年全国公共就业招聘专项活动，明确全年10项活动 安排，将围绕重点群体就业需求和经营主体用工需求提供服务。要使"月月有活动"的安排从纸面落到实 处、真正取得实效，关键在于各地的扎实行动。接下来，应在落实中积极创新服务模式，探索运用"人 工智能+"等技术赋能，并紧密结合地方产业与求职者特点打造本地化服务品牌。同时，需高效推动"直 补快办"等机制畅通运行，确保政策红利充分释放。更要牢牢守住安全与权益保障底线，维护良好市场 秩序。通过多方协同、务实推进，才能切实满足用工需求与求职需求，有力支撑高质量充分就业，确保 就业开局稳、全年稳。 ...