| 序 | 借款人 | 借款合同名 | | 担保合同名称 | | 原贷款行/ | | --- | --- | --- | --- | --- | --- | --- | | 특 | 名称 | 称及编号 | 担保人名称 | 及编号 | 各注 | 初始债权 | | | | | | | | 1 | | 1 | | | 胡振匆、白家庄 | | 同 一笔借款合 同,共发放内 笔,本笔借据 | 北京银行 股份有限 | | | | | 国大置业房产 | | | | | | | 《借款合同》 | | | | | | | | 0492219 | 服务集团有限 | | | 公司石家 | | | | | 公司、赵北辰、 | 0492219 001 | 编号为 | | | | 国御温 | | | 0492219 002 | | 圧分行 | | | | | 国御温泉度假 | | 0492219001 | | | | 泉度假 | | 小镇股份有限 | 0492219 003 | | | | | 小镇股 份有限 公司 | 《借款合同》 | | 0492219 004 0492219 006 | | 北京银行 股份有限 | | | | | ...

Core Insights - The central economic and rural work meetings in 2025 have systematically deployed strategies for "three rural issues," emphasizing the importance of agricultural insurance in supporting rural revitalization and food security [2] - Agricultural insurance premiums in China have steadily increased, with a total payout of 9 trillion yuan during the 14th Five-Year Plan, marking a 61.7% increase compared to the previous plan [2] - The agricultural insurance sector is evolving from cost coverage to income protection, addressing significant disaster risks associated with agricultural production [4] Agricultural Insurance Development - The planting areas of rice, wheat, and corn account for over 80% of China's total grain area, with these crops being the main focus of agricultural insurance policies [3] - The development of agricultural insurance has progressed in stages every 5 to 6 years, with the introduction of basic insurance in 2007 and the expansion of comprehensive cost and income insurance starting in 2018 [3] - In 2023, agricultural insurance payouts exceeded 2.6 billion yuan due to adverse weather conditions affecting wheat crops, demonstrating the critical role of insurance in mitigating farmers' losses [3] Expansion of Coverage - The scope of comprehensive cost and income insurance is expanding, with new policies for sugarcane and soybeans set to cover more regions by 2026 [4] - The establishment of a disaster model for major crops aims to assess risks from various natural disasters, enhancing the insurance framework [4] Specialized Agricultural Products - Agricultural insurance in China is categorized into central government-subsidized products and local specialty products, with a focus on expanding coverage and improving product offerings [5] - Insurance products tailored for geographical indication agricultural products have been developed, providing significant risk coverage for specific crops [5] Technological Integration - The insurance sector is increasingly adopting digital transformation to enhance efficiency in underwriting and claims processing, with a focus on a comprehensive risk management service model [7] - The use of advanced technologies such as drones and AI is being encouraged to improve the accuracy and timeliness of insurance services [10] Future Outlook - By 2025, agricultural insurance premiums are projected to exceed 155 billion yuan, providing risk coverage for over 1.25 billion farmers [11] - The Ministry of Finance plans to continue enhancing the quality and efficiency of agricultural insurance, with a guiding document expected in 2026 to support high-quality development [11]

作为"十五五"规划的开局之年，2026年，投资市场的结构性特征日益显现。钱往哪里流，又该往哪里 投？关注版今天起推出"2026年钱往哪儿投"系列报道，展望市场前景，探寻市场机会。 2026年，大宗商品市场站在新一轮周期的关键节点。传统的"经济复苏—需求回升—价格上涨"线性模式 被打破，一个由地缘政治、产业转型、金融属性与政策博弈交织驱动的复杂体系正在形成。在全球经济 深度调整的背景下，大宗商品市场正在用价格语言，注释一场关于发展模式、资源配置与未来竞争力的 深刻变革，大宗商品市场正在从"宏观风向标"，进一步变成"安全温度计""产业晴雨表""金融放大器"。 市场趋于分化 长期以来，大宗商品往往呈现出较强的同涨同跌特征：全球增长预期上行，工业品普涨；衰退担忧升 温，商品普跌。但进入2026年，这种"宏观共振"正在退潮，"品种逻辑"成为主导。所谓品种逻辑，就是 每一种商品的价格更取决于自身产业链结构、供给约束、政策与地缘扰动，而非简单跟随某一个宏观变 量。 其背后是三种分化在同时发生。第一种分化，发生在需求端：传统需求（地产、传统制造、燃油交通） 边际放缓，而新需求（电网升级、储能与算力基础设施、新能源车产业链）仍 ...

水电开发有力推动了四川能源结构的持续优化，助力四川加快构建以水电为基础、风电和光伏为重要补 充的清洁能源"双主体"电源结构。在四川水电装机突破1亿千瓦之际，依托两河口超级水库电站打造 的"绿电+算力"融合项目——两河口算电融合示范项目在甘孜州正式投运，这是国投集团雅砻江公司探 索新能源与新兴产业融合互促的重要举措。"雅砻江流域处于成渝地区国家枢纽节点周边，建设智算产 业与'东数西算'工程布局高度契合，公司将以两河口算电融合示范项目为契机，探索'源网荷储'一体化 绿电直供，积极承接'东数西算'等国家重大战略，推动公司从能源供应商向'能源+算力'综合服务商转 型。"国投集团雅砻江公司党委书记、董事长孙文良说。 业内人士介绍，四川水电仍有一定可开发空间，未来其功能定位将逐渐从单一电量供应转向电量供应与 灵活调节并重。作为全国清洁电力供给枢纽，四川还将持续推动清洁能源结构优化升级，从"水电大 省"向清洁能源强省和绿色低碳产业高地跨越。 "千河之省"四川，水电资源技术可开发量居全国首位，水电开发已走过百年历程。近期，随着攀枝花银 江水电站最后一台机组顺利并网，四川水电装机规模突破1亿千瓦，约占全国水电装机总量的四分之 ...

2025年，世界经济在多重挑战中展现出复杂图景：一方面，美国加征关税举措冲击多边贸易体系，也推 升美元信用风险，带动全球避险情绪升温，地缘冲突持续扰动全球产业链供应链；另一方面，人工智能 投资浪潮与绿色转型加速推进，全球南方国家群体性崛起，为经济增长注入新动能。 国际货币基金组织（IMF）预计2025年全球经济增速为3.2%，但增长质量与结构性问题凸显，发达经济 体与新兴市场分化加剧，全球经济格局正经历深刻变革。世界经济的这种状态被联合国贸发会议概括 为"脆弱韧性"——表面稳定但内在疲弱，易受外部冲击影响。这也表明，世界经济的底层逻辑逐步从多 年来的效率优先转向安全与韧性并重，在分化与重塑中不断探寻新平衡。 全球增长格局放缓与分化加剧 2025年，全球经济增速普遍放缓但内部分化加剧的特征显著。 多家国际机构报告显示，发达经济体增长面临较大挑战。美国经济增速降至2.0%，欧元区与日本分别 仅为1.3%和1.1%，均面临外部需求疲软与结构改革停滞的挑战。 增长放缓背后有着深层次的结构性原因。首先，人口老龄化问题在多数发达经济体持续加剧，例如日本 65岁以上人口占比已超过30%，严重制约劳动力供给和创新活力。其次， ...

Core Insights - The rise of "Lao Cao" cultural products, such as "Lao Cao Little Horse" and "Lao Cao Little Dog," reflects a successful capture of consumer emotional needs, positioning emotional value as the core competitive advantage in the cultural and creative economy [1][2] Group 1: Emotional Consumption - The popularity of "Lao Cao" products stems from a precise understanding of the emotional consumption trend, with the "Lao Cao Little Horse" embodying a unique spirit of "carefree yet wild" that resonates with consumers [2] - Consumers feel empowered by owning a "Lao Cao Little Horse," which symbolizes freedom of expression and personal style [2] Group 2: Cross-Industry Collaboration - The "Lao Cao" IP has created a commercial ecosystem through cross-industry collaborations, integrating into daily consumption scenarios via partnerships with coffee and chocolate brands [2] - This integration fosters a complete chain of "content seeding—product consumption—social dissemination," enhancing the cultural symbol's influence and driving the collaborative development of related industries such as design and tourism [2] Group 3: Simplified Creativity - Despite the name "Lao Cao," these cultural products are not poorly made; they represent a wisdom of simplification, accurately distilling cultural symbols rather than oversimplifying them [2][3] - The "Lao Cao Little Horse" draws inspiration from Qi Baishi's painting, while the "Lao Cao Little Dog" captures the daily life of pets through simple yet profound artistic expression [2] Group 4: Emotional Connection - The success of "Lao Cao" cultural products highlights that the competitiveness of cultural and creative products ultimately returns to emotional care and value recognition for consumers [3] - By embracing authenticity over perfectionism, these products resonate more deeply with consumers, demonstrating that the essence of creativity lies in emotional connections rather than complex designs [3]

Group 1 - The core viewpoint emphasizes China's achievement in stabilizing foreign trade and investment while making historic breakthroughs in institutional openness during the "14th Five-Year Plan" period [1] - By 2025, China's total import and export value of goods is projected to reach 45.47 trillion yuan, with actual foreign investment showing steady growth [1] - The proactive alignment with high-standard international trade rules, such as CPTPP and DEPA, is driving deep reforms and breaking through institutional barriers [1] Group 2 - The digital economy is becoming a significant driver of foreign trade growth, with cross-border e-commerce expected to exceed 2.75 trillion yuan by 2025, increasing its share of total goods trade [2] - Full-process digitization is transforming traditional trade models, enhancing efficiency and resilience through smart selection, intelligent logistics, and digital customs clearance [2] - China's actual foreign investment increased by 26.1% year-on-year in November 2025, reflecting global capital's long-term confidence in the Chinese market [2] Group 3 - The Belt and Road Initiative is evolving from hard connectivity in infrastructure to soft connectivity in rules and standards, focusing on health, green, digital, and innovation sectors [3] - By 2025, China's imports and exports to Belt and Road countries are expected to reach 23.6 trillion yuan, with numerous practical cooperation projects yielding comprehensive benefits [3] - The "15th Five-Year Plan" suggests expanding institutional openness and optimizing the business environment to enhance the quality of trade and investment cooperation [3]

纵观2025劳动热词，"算法协商""生育友好岗""国考打破35岁门槛"等关键词传递出全社会对劳动者权益 保障的融融暖意。取消超时扣款、降低抽成比例、明确收入底线……2025年，算法协商取得突破性进 展，2000万名新就业形态劳动者的普遍关切得到积极回应；平台企业为骑手缴纳社保的破冰之举，不仅 让小哥们奔跑的步伐更加稳健，也为其他灵活就业群体的保障建设提供了有益借鉴；生育友好岗的探索 把对劳动者的关怀延伸到家庭，推动育儿成为全社会共同承担的责任；公务员招录打破35岁门槛，彰显 了人力资源市场对人才成长规律的理性回归，更释放出破除职场年龄歧视、促进就业公平的强烈信号。 让现代化成果更公平、更充分地惠及每位劳动者，这些务实举措就是最好的诠释。 时代在变，奋斗的底色始终不变。刚刚过去的2025年，2426名全国劳动模范和先进工作者受到隆重表 彰。他们中，有的奋战在生产一线破解行业痛点，有的奔忙在田间地头助力乡村全面振兴，有的坚守在 高原极地守护万家灯火，有的穿梭在街头巷尾传递生活温度……透过这些身影，"奋斗"二字不再是抽象 的口号，而是千行百业里无数劳动者用汗水和智慧书写的动人诗篇。无论身处哪个岗位，对精湛技能的 追 ...

要筑牢消费根基，提升老年群体支付能力与消费意愿，变"想消费"为"能消费""敢消费"。 党的二十届四中全会将"发展银发经济"纳入加大保障和改善民生力度、促进人口高质量发展的战略框 架，旨在通过养老事业和产业协同，将老龄化挑战转化为内需潜力。规模日益庞大的老年群体，其多 元、升级的美好生活需要，正是扩大内需、畅通国民经济循环不可或缺的强劲动力。系统推动银发经济 高质量发展，已成为连接国家战略与民生关切、培育经济增长新引擎的必然选择。 强化社会保障，稳定消费预期。核心在于增强老年收入来源的确定性与安全感。要落实党的二十届四中 全会精神，稳步提高基本养老金水平，并大力发展企业年金、职业年金和个人养老金，构筑坚实稳固的 养老财富支柱。中央经济工作会议提出"制定实施城乡居民增收计划"，应将提高老年人转移性收入和财 产性收入作为重要内容，从根本上提振其消费底气。 树立标准品牌，引领品质升级。提升供给含金量，建立健全覆盖产品、服务、设施的适老化标准与认证 体系，发布权威"银发优品"目录。通过高标准和优质品牌的正向激励，引导企业摆脱低质低价竞争，转 向品质化、精细化发展，让老年人愿意为高品质生活体验付费。 要完善制度环境，构建 ...

Core Insights - Qinghai's foreign trade is experiencing rapid growth, with total import and export value reaching 7.07 billion yuan in 2025, an increase of 17.6%, and exports amounting to 6.19 billion yuan, up by 41.9% [1] - The lithium battery sector has emerged as a key driver, with exports soaring to 2.99 billion yuan, a staggering increase of 380%, making it the province's largest export product [1] - Agricultural products from Qinghai are also thriving, with exports reaching 750 million yuan, marking a historical high, driven by the appeal of highland green and organic labels [2] Industry Performance - The lithium battery exports are attributed to the booming electric vehicle industry, showcasing Qinghai's rich lithium resources [1] - Salt lake chemical products also performed well, with total exports of 860 million yuan, a growth of 80.2%, particularly in magnesium products which saw over 100% growth [1] - The province has implemented tailored services for businesses, including "one enterprise, one policy" strategies, enhancing support for companies in key industries [2] Market Expansion - Qinghai's products are now reaching 122 countries and regions, with over 80% of exports going to countries involved in the Belt and Road Initiative [3] - The province has increased its international freight train services to 187 trains in 2025, a growth of 38.5%, facilitating the export of bulk commodities and reducing logistics costs [2] - The province aims to double its total import and export value by 2030, focusing on enhancing industry specialization, innovation, and sustainability [3]