Core Viewpoint - The National Financial Regulatory Administration has released the "Implementation Plan for High-Quality Development of Digital Finance in the Banking and Insurance Industries," aiming to guide financial institutions in their digital transformation and enhance the quality of digital financial services [1][2]. Policy Guidance - Digital finance is a key focus of the central financial work conference, emphasizing its importance in enhancing the competitiveness of the financial sector and improving service efficiency for the real economy [2]. - The "Implementation Plan" builds on previous guidelines, focusing on specific measures and quality improvement to facilitate high-quality development in digital finance [2]. - The plan encourages banks and insurance companies to accelerate digital finance development, enhancing financial services and supporting the digital economy [2]. Data Utilization - The plan emphasizes the importance of data in financial institutions, advocating for improved data integration, management, and application across various business areas [4]. - Financial institutions are encouraged to leverage data for customer profiling, decision-making, and risk control, enhancing the effectiveness of digital financial services [4]. - The establishment of a large data set for technology-based enterprises is proposed to better identify and assess these companies [4]. Risk Management - The digital transformation of financial institutions must include robust risk management strategies to address new risks associated with digitalization, such as algorithmic model flaws and data security [8][9]. - A comprehensive intelligent risk control system is essential to ensure that innovation aligns with risk management [8]. - Financial institutions are advised to enhance their data security capabilities and accurately identify credit risks associated with borrowers [9]. Collaboration and Innovation - The development of digital finance should involve collaboration among financial institutions, technology companies, and industry stakeholders to drive innovation and embed financial services into various sectors [3]. - The use of technologies like artificial intelligence and blockchain is encouraged to optimize financing processes and enhance the digital financial ecosystem [3]. Support for SMEs - The plan aims to improve lending to small and micro enterprises by expanding the application of logistics, capital flow, and information flow data [6]. - Innovative digital services are being developed by small and medium-sized banks to better meet the financing needs of different customer segments [6]. - The integration of diverse data sources is helping banks create comprehensive credit profiles, reducing risks while achieving economic and social benefits [6].

Group 1 - The first domestically produced heavy ion cancer treatment device has broken foreign monopolies, and products such as deep-sea drilling rigs and medical isotopes have reached world-class levels [1] - During the "14th Five-Year Plan" period, Gansu Province's Lanzhou City has continuously produced and efficiently transformed scientific and technological innovations, achieving a comprehensive technological progress index of 82.61%, ranking 48th among the top 100 global research cities [1] - Lanzhou has rich scientific and technological resources, with 12 national key laboratories restructured and 14 new academician expert talent workstations established, supported by major research forces such as Lanzhou University and the Chinese Academy of Sciences [1] Group 2 - The city plans to leverage the policy advantages of Lanzhou New Area, High-tech Zone, and Economic Development Zone to implement various incentive plans for technology and industry integration, including the "Yellow River Hundred Miles Science and Technology Innovation Corridor" [2] - The focus will be on improving the organizational management system for technological innovation and building a strong team to provide quality service support for various innovation entities [2] - The city aims to utilize its technological foundation and innovation resource advantages to contribute significantly to the modernization of Lanzhou and the strong provincial capital initiative [2]

近期，受日本首相高市早苗等政客错误言行的持续影响，赴日中国游客数量急剧减少，日本百货、住 宿、旅游等不少行业普遍感到经营压力。日本百货店协会近日公布数据显示，2025年，日本百货店销售 额为5.67万亿日元，同比下降1.5%，时隔5年首次出现负增长。其中，免税销售额同比下降12.7%，成为 拖累整体业绩的主要原因。 长期以来，中国游客不仅是日本旅游业的核心客源，还是消费主力，为日本零售、住宿等行业带来显著 的经济效益。有关统计显示，2024年访日中国游客消费额达1.7万亿日元，占全部访日游客消费总额的 21%。中国游客人均消费高于其他国家和地区的游客，是珠宝、电器、手表等产品的重要购买群体，对 百货商场、免税店等业态形成强有力支撑。然而，这一关键消费引擎如今正在明显失速。 日本政府错误行径令原本疲弱的日本经济雪上加霜。在日本国内内需低迷、政府债务高企、经济活力减 弱的背景下，企业生存困境本就不断加剧，不少企业还要为日本政府的错误行径承担经济代价。业内人 士分析指出，中国游客大幅减少的影响难以在短期内消除，日本旅游、零售及金融等多个领域将受到直 接影响，未来还可能波及更多行业，进一步加剧日本经济下行压力。 （文 ...

Core Viewpoint - The "invoice economy" is counterproductive to genuine economic development and employment, leading to resource waste and disrupting market competition and business environment [1] Group 1: Issues with the "Invoice Economy" - The "invoice economy" involves local governments circumventing fiscal and tax systems by offering significant tax rebates to attract investment, which artificially inflates investment, tax revenue, and GDP [1] - This practice creates a false sense of prosperity and does not contribute to real economic growth or job creation, instead causing resource misallocation and market disorder [1] Group 2: Need for Change in Development Perspective - The distorted performance evaluation of local governments drives the problematic behavior of attracting investment through tax incentives, which does not equate to quality development [2] - To eliminate the "water" from the "invoice economy," there is a need to shift development perspectives and optimize local evaluation systems to promote a correct view of performance and development [2] Group 3: Collaborative Efforts Required - Addressing the issues stemming from the "invoice economy" requires joint efforts from local governments, relevant departments, enterprises, and society as a whole [3] - The State Taxation Administration has initiated special governance on tax-related issues in investment attraction, emphasizing strict monitoring and reporting of irregularities [3] - A collaborative approach involving adherence to policy, long-term vision for high-quality development, and a commitment to lawful and compliant business practices is essential to eliminate false development metrics [3]

铁路、公路、水路、民航领域各单位加强客流需求研判，加大重点地区、热点线路、高峰时段运力供 给。其中，铁路实施了新的列车运行图，预计客流高峰日最高可开行旅客列车超过1.4万列，客座能力 同比增长5.3%；在充分发挥高铁网络优势的同时，坚持开好"绿皮车""慢火车"。民航重点增加前往枢纽 机场、热门旅游地的航班，预计日均保障航班1.94万班次，同比增长5%。公路加强对热门旅游地、农 村客运等方面的运力投放。水路加强海南省和广东省之间的琼州海峡等重点航线运力保障。 春节期间新能源汽车出行占比预计进一步提高。为提升新能源汽车充电保障能力，交通运输部门提前作 出针对性安排。目前已梳理形成充电特别繁忙的服务区清单，"一区一策"制定了服务保障方案。春节假 期期间，将综合采取增设移动式应急充电设备，利用高速公路出入口周边的充电设施进行充电，优化单 车的充电时长等相关服务举措，努力保障新能源车主的充电需求。同时，车主可通过升级后的"e路畅 通"小程序实时查询全国高速公路服务区充电桩的状态。 （文章来源：经济日报） 本报北京1月29日讯（记者纪文慧）2026年春运将于2月2日开始，3月13日结束。记者从国新办发布会上 获悉，今年春 ...

近日，美国宣布，由于韩国立法机构未能履行贸易协议中的法律程序，美国将韩国出口至美国的汽车、 木材、药品关税以及其他所谓"对等关税"的税率从15%提高至25%。这一决定标志着美韩贸易关系再次 陷入严峻对抗。 此次关税上调的核心争议在于韩国国会尚未通过旨在落实对美投资承诺的《对美投资特别法案》。根据 2025年达成的协议，韩国承诺向美国投资3500亿美元，作为交换，美国同意降低对韩关税。然而，美方 认为韩国在享受优惠后，在立法和投资执行层面表现迟缓，这种"不平衡"触发其惩罚性关税举措。 市场人士分析认为，从更深层次的角度审视，美国此次突然发难绝非孤立的贸易纠纷，而是其"美国优 先"政策的典型延续，背后交织着多重政治与经济意图。 突如其来的"关税炸弹"使韩国政府陷入窘境。韩国总统办公室政策室长金容范迅速召开了跨部门对策会 议，紧急商讨应对方案。韩国政府目前采取的策略可以概括为"多线并行"：一方面，紧急派遣产业通商 资源部长官金正官赴美，旨在直接会晤美国商务部长霍华德·卢特尼克，深入摸清美国政府的真实底 牌，并寻求外交斡旋空间。另一方面，韩国政府正试图向美方解释投资进度放缓的客观原因。韩国财政 经济部长官具润哲在接受 ...

Core Insights - The synergy between digital industrialization and industrial digitalization is essential for stimulating new momentum in the economy [1][4] - Digital industries are projected to generate approximately 38.3 trillion yuan in revenue and 3.1 trillion yuan in profit by the end of 2025, reflecting significant growth and resilience [1][2] - The digital industry serves as a critical driver of new productive forces, with a notable counter-cyclical property that stabilizes economic growth during downturns [1][2] Digital Industry Growth - By 2025, China's digital industry revenue and profit are expected to increase by approximately 39.5% and 48.4%, respectively, compared to the end of the 13th Five-Year Plan (2020) [2] - Key provinces such as Guangdong, Jiangsu, Beijing, Zhejiang, and Shanghai contribute over 90% to the national growth in digital industry revenue [2] - The digital industry is enhancing its innovation capabilities, acting as an "accelerator" for new economic drivers [2] Digital Technology Integration - The digital industry acts as a "connector" between digital technology innovation and the transformation needs of the real economy, facilitating a two-way channel for technological implementation and industrial upgrading [2][3] - The integration of digital technologies into core manufacturing processes is leading to improved quality, reduced costs, and increased efficiency [2] - The establishment of multi-layered, systematic industrial internet platforms is underway, covering all major industrial categories [2] Industrial Digitalization - Industrial digitalization is defined as the application of digital technologies to enhance various sectors, including manufacturing, services, and agriculture [3] - The rapid adoption of digital applications in the consumer internet sector has laid a strong foundation for further penetration into the industrial sector [3] - The collaboration between digital industrialization and industrial digitalization is crucial for overcoming technological bottlenecks and ensuring sustainable commercial returns [3][4] Future Outlook - Continued collaboration between digital industrialization and industrial digitalization is expected to inject stronger digital momentum into the Chinese economy [4] - This deep integration is anticipated to further solidify the foundation of the digital economy and drive the transformation of Chinese manufacturing towards higher-end, intelligent, and green development [4]

精准查找问题，通过城市体检发现短板弱项。城市是一个复杂开放的系统，其问题具有隐蔽性、累积性 与系统性特征。传统"经验式""项目式"更新模式往往忽视问题的关联性，导致行为碎片化、短期化。要 坚持"先体检、后更新，无体检、不更新"，建立城市体检和城市更新一体化推进机制。坚持问题导向， 从住房安全、社区服务、交通出行等多维度开展调查研究，查找群众身边的急难愁盼问题；坚持目标导 向，对城市的功能结构、运行机制、空间治理、生态安全等方面进行系统评估，查找影响城市竞争力、 承载力和可持续发展的短板弱项。 精细设计空间，挖掘和激发存量空间多元价值。城市空间不仅是物质载体，更是社会关系、文化认同与 公共生活的发生场域。优化存量要做好空间设计，从宏大叙事转向微观治理，从形态塑造转向场景营 造，下足"绣花针"功夫，突出精细化干预与系统性织补，回应群众的情感诉求，推动城市空间从"可 用"走向"好用"。 精心运营维护，通过运营前置形成长期持续收益。城市更新不仅是空间再造，更是价值再生。传统"重 建设、轻运营"的模式往往导致供需错配、资产流失、活力下降。需将运营前置，并贯穿于策划、设 计、建设、管理全过程。在项目策划阶段即明确运营主体 ...

尹正介绍，在产业层面，施耐德电气深度融合能源转型与AI技术，运用数智化、自动化、电气化解决 方案，加快新能源的规模化生产与高效消纳，构建智慧、韧性的新型电力系统，并对工业、基础设施、 数据中心、楼宇建筑等关键行业的运营模式进行深度重构，助力全产业链提质增效、降碳减排。 在AI领域，施耐德电气也不断深化业务布局。尹正表示，公司在机器学习、AI算法等领域已累积超过 20年的技术经验，并长期推动AI技术的大规模产业化应用。目前，施耐德电气在中国设立了AI创新实 验室，持续加大研发投入，着力构建AI生态体系，携手合作伙伴赋能中国产业链转型升级。 中国国家统计局近日发布数据显示，2025年，中国国内生产总值（GDP）首次跃上140万亿元人民币新 台阶，比上年增长5.0%。施耐德电气执行副总裁、中国及东亚区总裁尹正接受经济日报记者采访时表 示，这份成绩单彰显了中国经济的强大韧性和巨大潜力。随着"十五五"时期中国进一步推动发展新质生 产力、促进高质量发展和高水平开放，施耐德电气将把握能源转型和人工智能（AI）发展两大机遇， 持续深耕中国市场。 尹正表示，作为全球经济增长的重要引擎，中国不仅拥有超大规模市场优势，还具备经济基 ...

国家知识产权局数据显示，2025年，我国发明专利有效量达到532万件，有效注册商标量为4987.7万 件，创新质量持续提升、重点区域创新活跃、知识产权效益加速显现。 保障体系更加完善 在172个国家和地区的近1.9亿条专利文献数据中快速检索，助力经营主体智能决策，这是海南省首个知 识产权服务领域AI智能体"海研智链"可实现的产品功能。 "每万人口发明专利拥有量"曾是我国衡量创新产出水平的重要指标，"十四五"规划将其调整为"每万人 口高价值发明专利拥有量"，释放出强化专利质量导向的鲜明信号，推动发明专利工作从规模扩张向质 量提升转型。 不只是海南，上海市知识产权局牵头建设"人工智能+"知识产权公共服务平台"智链浦江"、常州市知识 产权局打造"常小知""智小擎"AI智能体……2025年，国家知识产权局公布"人工智能+"知识产权公共服 务应用场景建设名单，全国18项典型应用场景入选。 当前，我国正不断拓展"人工智能+知识产权服务"应用场景。国家知识产权局公共服务司司长杨帆介 绍，2025年，知识产权各类业务办理量逾1亿次，提供信息查询服务超20亿次、检索分析服务约9600万 次。 知识产权事业发展，不仅需要智慧便民 ...