Core Viewpoint - The Hong Kong SAR government has signed a cooperation agreement with the Shanghai Gold Exchange, marking a new milestone in the deepening collaboration between the gold markets of Hong Kong and Shanghai [1] Group 1: Cooperation Agreement - The agreement establishes a high-level governance structure for the Hong Kong Gold Central Clearing System, with the Financial Secretary of Hong Kong serving as the chairman and a representative from the Shanghai Gold Exchange as the vice-chairman [1] - The system is expected to begin trial operations within the year, aiming to enhance the efficiency of the clearing platform and align it with international standards [1] Group 2: Infrastructure and Market Connectivity - The agreement includes plans to explore physical infrastructure collaboration and market connectivity, leveraging the Shanghai Gold Exchange's physical warehousing management system to provide storage services for local and international market participants [2] - Hong Kong plans to establish gold storage facilities at the airport, with an expected capacity exceeding 2,000 tons within three years, surpassing the storage capacity of most central banks [2] Group 3: Investment Encouragement - The Hong Kong government aims to encourage more investors to hold gold, leveraging its status as a financial center, with over 2,700 family offices, nearly 900 of which have wealth exceeding $100 million [2] - Legislative proposals will be submitted to include precious metals in the tax incentive investment scope for relevant funds and family offices [2] Group 4: Central Bank Support - The central bank has announced support for the development of the Hong Kong gold market, enhancing the functionality of the offshore RMB market [3] - Hong Kong, as the largest offshore RMB business center, handles over 75% of global offshore RMB payment settlements, with RMB deposits around 1 trillion yuan [3]

1月26日下午2时许，G386次列车驶出香港西九龙站，朝着无锡东站疾驰而去。这趟在全国铁路新运行 图中新增的列车，搭建起香港与长三角城市的便捷联结。 香港籍旅客林女士经边检快捷通道入境，她说："我退休后常到内地旅游，去年来这边还要转车，有点 辛苦，这次直接过去快很多。有直达车太好了，以后旅游更方便啦。" G386次列车的顺利开行，是内地（大陆）与港澳台地区人员往来愈发通畅的生动缩影。随着全国铁路 新运行图正式实施，香港高铁新增16个内地直达站点，包括南京、无锡、合肥等城市。由此，从香港西 九龙站出发，可直达的内地站点增至110个，覆盖京津冀、长三角等重要发展区域。 日益频密的人员往来，离不开交通网络的"硬联通"，也少不了通关服务的"软支撑"。作为我国首个实 施"一地两检"的香港境内口岸，广深港高铁西九龙站口岸成为互联互通的重要枢纽。2018年开通以来， 该口岸出入境旅客已突破1亿人次，而此次调图首日，出入境旅客超过9.6万人次。 据了解，为应对口岸日益增长的出入境客流，西九龙边检站依托自主研发的客流预测与疏导系统提前掌 握客流高峰情况，动态增设团队快行专道，开通家庭行友好通道，并提供方言广播等便民举措。 口岸 ...

从工业园到汽车园，从传统燃油汽车到新能源汽车，从单打独斗到抱团发展……在京津冀协同发展桥头 堡的天津市武清区，一场关于汽车产业链的变革，正在悄然发生。 武清区发展汽车制造相关产业始于2009年，其核心载体为京津产业新城京清汽车产业园（前身为"京滨 工业园"）。经过多年发展，特别是随着2024年园区更名并明确聚焦汽车产业，武清区谋求传统汽车制 造业转型升级取得显著成绩。 目前，武清区已汇聚170多家汽车制造相关企业。2025年1月至11月，汽车制造业实现产值232亿元，同 比增长4%，与北京奔驰、小米、理想等车企建立起稳定供应链合作关系。"我们不再只是'制造'，而 是'智造'；不再只是'耗能'，而是'节能'；不再只是'配套'，而是'协同'。"武清区工业和信息化局党委书 记、局长黄巨山用3个对比精准概括了这场转型的深刻内涵。 科技赋能提质效 冬日暖阳下，京清汽车产业园物流区大门口，挂着"京M、津A、冀R"车牌的运输卡车排起长龙。来自 河北廊坊的司机张华生正等候装载刚下线的汽车零部件，他说："十几年前跑这条线，拉的都是'铁疙 瘩'，现在全是'智能件'，轻了、精了，附加值也高了。"这句朴实的感慨，道出了武清汽车产业的 ...

Core Viewpoint - The development of pension finance is crucial for promoting the high-quality development of China's financial and pension sectors, emphasizing the need for innovative approaches to meet diverse pension financial needs across different life stages [1] Group 1: Demand Characteristics - Pension finance is not limited to the elderly but extends to middle-aged and even young individuals, highlighting the importance of long-term savings and wealth planning [1] - A growing trend among young people is to prepare for retirement early, with the concept of "planning for life at 60 by age 30" becoming popular [1] - There is an increasing demand for flexible employment and volunteer services among retirees, leading to a rise in financial needs related to pensions, trusts, and investment management [1] Group 2: Diverse Needs Across Demographics - Pension financial needs exhibit multi-layered, personalized, and diversified characteristics based on different demographics, including occupational backgrounds, regional distributions, and family structures [2] - High-net-worth individuals seek asset preservation and high-quality pension services, while middle-income groups focus on stable returns and healthcare integration, and low-income groups prioritize basic pensions and living security [2] - The demand for liquidity and convenience in pension financial services is increasing, especially among flexible employment and new job groups [2] Group 3: Supply Challenges - Current pension financial supply faces several bottlenecks, including product homogeneity and service gaps, with a focus on investment attributes rather than service integration [3] - There is a lack of public understanding and education regarding pension finance, leading to a disconnect between anxiety about retirement and actionable wealth planning [3] - The supply-demand structure is unbalanced, with many products failing to meet the long-term and liquidity needs of pension savings [3] - Issues with collaboration and data barriers exist, hindering the implementation of comprehensive solutions across various sectors [3] Group 4: Policy and Product Development - A layered and categorized policy support and product system should be established, promoting the development of second and third pillar pension insurance with differentiated incentives for various income groups [4] - Financial institutions are encouraged to innovate lifecycle service models, utilizing big data to provide dynamic planning solutions from early preparation to late-stage withdrawals [4] - Enhancing public financial literacy in pension finance is essential, with the use of AI and blockchain technologies to develop personalized planning tools and risk warning services [4] - There is a need for orderly interconnection of financial infrastructure, integrating data from social security, taxation, and commercial insurance to create a unified pension financial information management platform [4]

通关效率不断提升，2025年经新疆阿拉山口海关监管通行的中欧（中亚）班列数创历史新高，全年通行 量达8165列，同比增长6.3%，首次突破8000列大关。 本报乌鲁木齐1月31日讯（记者耿丹丹）据乌鲁木齐海关统计，2025年新疆外贸进出口总值5203.7亿 元，同比增长19.9%，高于全国增速16.1个百分点，居全国第一位。 "十四五"时期，新疆外贸发展呈现好势头、跑出加速度，连续跨越2000亿元、3000亿元、4000亿元和 5000亿元关口，累计外贸总值突破1.71万亿元，较"十三五"时期增长144.3%。 2025年，新疆相继出台《新疆维吾尔自治区口岸经济发展促进条例》《中国（新疆）自由贸易试验区条 例》《新疆维吾尔自治区智慧口岸建设实施方案》等政策，持续优化外贸产业布局，夯实外贸发展支 撑。同时，一系列推动口岸通关效能提升的举措落地，在监管模式创新、通关便利提升等方面不断发 力。 阿拉山口海关持续推进"智慧铁路口岸+属地快速通关"模式改革，通过信息化、智能化手段优化通关流 程。阿拉山口海关综合业务一科副科长索菲亚·乌买尔江说，通过实施铁路舱单归并、推广智能机检与 审图技术，实现了班列"即到即查、即验即 ...

中国贸促会近日发布的《中国展览经济发展报告2025》显示，2025年国内共举办经贸类展会4095项，展 览总面积1.59亿平方米，同比分别增长6.53%和2.5%，两项核心指标均刷新历史纪录。国内展览经济继 续呈现稳中有进的良好态势。 2025年，各地密集出台政策文件支持会展业发展，完善"奖励+补助+减免"的多元扶持体系，精准匹配 展览业不同发展阶段需求，探索以展促产、以产兴展。以武汉为例，武汉国际车展、中国国际商用车展 等展会加速了武汉汽车产业转型。2025年，以展会为契机，"中国车谷"武汉经开区吸引4个新能源整车 厂相继落地，项目总投资额超过400亿元，预计将新增产能超过70万辆。 湖北省委副书记诸葛宇杰介绍，2025年，湖北共举办各类展会近2000场，其中布展面积超1万平方米以 上的超过100场，参展参会嘉宾来自全球120多个国家和地区，签约金额超3000亿元。会展业与汽车、生 物医药、现代农产品加工等优势产业进一步深度融合，形成了展会与产业互促共进的良好循环。 目前，我国会展经济发展呈现出国际、区域、特色三级梯队同场竞技的态势。国际都会城市聚焦世界级 商展，全力抢占会展经济制高点和国际展会资源；区域中 ...

从1小时办妥临时驾照的"同城效率"，到带动当地数百户农户增收致富的高山茶合作社；从"夕发朝 至"的物流速度，到"一键绑卡"的金融便利……近年来，福建以建设两岸融合发展示范区为使命，在探 索海峡两岸融合发展新路上迈出坚实步伐。通过持续深化社会、经济、情感、全域融合，福建正将"两 岸一家亲"的理念，转化为台胞台企可感可及的同等待遇、互利共赢的发展实景与血脉相连的温馨家 园。 生活同城化 不久前，台胞巫乂在连江黄岐台胞服务驿站，仅用1小时就办妥了临时机动车驾驶许可，成为福建省首 例"口岸现场一站式办理"台胞临时机动车驾驶许可业务的受益者。"业务办理过程简单高效，我1小时就 拿到了证件，完全不耽误后续的行程安排。"巫乂说，他常年往返于连江、马祖两地，近年来，不断缩 短的通关时间与愈发便捷的业务办理，让他切实感受到了福马"同城生活圈"的服务效率与温度。 "在相关部门的支持和配合下，我们通过整合资源、简化流程，将便民服务延伸至对台胞服务最前沿， 通过配备专业工作人员及设备，将原本分散的材料受理、信息核验、证件制作等环节集中至口岸现场， 大幅减少台胞办理业务的'时间成本'问题，为台胞就业、创业及生活提供极大便利。"黄岐台胞 ...

Core Insights - The bank wealth management market remains robust as deposit rates decline, leading low-risk preference funds to migrate towards bank wealth management products [1] Group 1: Market Overview - As of the end of 2025, the total scale of the bank wealth management market reached 33.29 trillion yuan, an increase of 11.15% from the beginning of the year [1] - A total of 3.34 million new wealth management products were issued throughout the year, raising 76.33 trillion yuan [1] - Fixed income products accounted for 32.32 trillion yuan, representing 97.09% of the total wealth management product scale [1] Group 2: Factors Driving Growth - The growth in bank wealth management scale is attributed to three main factors: declining interest rates on demand and time deposits, increased volatility in capital markets, and enhanced competitiveness of bank wealth management products [1][2] - The shift in investor preference towards fixed income products is driven by a decrease in deposit attractiveness and heightened risk aversion due to stock market fluctuations [1] Group 3: Product Diversification - The wealth management product offerings have become increasingly diverse, including cash management, fixed income, mixed, and equity products, with various structures such as daily open, minimum holding period, and closed-end products [3] - There is a growing acceptance among investors for net value fluctuations, although the preference for stable returns remains dominant [3] Group 4: Future Trends - The growth trend of bank wealth management is expected to continue, but the pace will be constrained by economic cycles and market volatility [4] - In the long term, bank wealth management is anticipated to play a role as a "stable return base" and "inclusive allocation entry" in the broader asset management landscape [4]

科右前旗委书记刘海涛介绍，近年来，当地依托得天独厚的自然风光、深厚的文化底蕴，坚持以文旅融 合为抓手，大力推进乡村旅游发展。通过打造特色文旅品牌、开发精品线路、培育民俗体验项目等举 措，持续带动农牧民就业增收，促进乡村振兴与产业升级协同发展。 "下一步，我们将继续深化文旅产业布局，完善基础设施和服务体系，推动'旅游+'多业态融合发展。重 点培育一批乡村旅游重点村和示范项目，加强文旅人才培养和宣传推广，进一步提升科右前旗文旅的吸 引力和影响力，以文旅高质量发展助力富民增收和全域振兴。"刘海涛说。 阿拉坦巴根介绍，随着当地文旅产业发展，不少景区找他定制马鞍，一年能制作100多副，销售额超60 万元。"看到自己制作的马鞍能在景区展示销售，让游客更直观地了解马文化，挺自豪的。"他说。 在乌兰毛都苏木乌兰河谷的旅游点哈萨尔部落，良好的生态资源让几十户牧民吃上了旅游饭。生态游不 仅带火了牧区，也把偏僻的山乡和外界联系起来。大石寨镇三星村村民张志军原来依靠20多亩地生活， 三星沟被打造成林果栽植带后，每到林果成熟时节就有不少游客来游玩、采摘，他的收入也随之提高。 走进内蒙古自治区兴安盟科尔沁右翼前旗乌兰毛都苏木敖力斯台嘎查 ...

近日，市场监管总局发布综合整治"内卷式"竞争十大典型案例，涵盖网络货运、移动电源、新能源汽 车、光伏等重点领域。从约谈货拉拉规范网络货运市场，到整治充电宝行业低价乱象；从抽查新能源汽 车整车质量，到预警光伏行业"内卷外化"风险，一系列精准施策的监管行动，以刚柔并济的手段破解行 业痛点，推动市场竞争从"无序内耗"向"提质向优"转型。 遏制"价格战"乱象 "以前跑一单货，平台抽成高还压价，有时候忙活一天连油钱都不够"。这是不少货车司机的心声。近年 来，网络货运行业快速发展，在便利物流与消费、扩大就业等方面发挥了重要作用，但部分平台利用算 法不合理压低货运价格、强制要求司机张贴独家车贴等行为，严重破坏了公平竞争秩序，损害了货车司 机的合法权益。 去年9月23日，市场监管总局依法约谈货拉拉，要求其严格遵守反垄断法等法律规定，落实反垄断合规 主体责任，及时规范经营行为，公平参与市场竞争，维护货车司机和消费者合法权益。市场监管总局反 垄断一司副司长刘健表示，此次约谈采用反垄断"三书一函"，既通过柔性监管充分传导压力，又为企业 预留整改空间，核心目标是推动平台规则与算法公开透明，让竞争回归公平理性的轨道。 如果说约谈货拉拉 ...