其中，北京、上海、广州和深圳分别下降0.2%、0.4%、0.7%和0.6%。二、三线城市二手住宅销售价格 环比分别下降0.5%和0.6%，降幅分别收窄0.2个和0.1个百分点。 北京商报讯（记者 李晗）2月13日，国家统计局发布2026年1月份70个大中城市商品住宅销售价格变动 情况显示，一线城市二手住宅销售价格环比下降0.5%，降幅比上月收窄0.4个百分点。 ...

近些年，eVTOL(电动垂直起降飞行器)、无人机物流、低空文旅、城市空中交通(UAM)等新业态迅猛发 展，低空经济正成为继数字经济、绿色经济之后的又一国家战略增长极。关于低空保险的相关顶层设计 也随之出炉！2月12日，国家发展改革委、金融监管总局、中国民航局发布《关于推动低空保险高质量 发展的实施意见》(以下简称《实施意见》)。 《实施意见》明确提出，将保险作为强化场景运营安全监管、健全事故处理制度的重要手段，对于按照 法律法规应当投保责任保险的无人驾驶航空器，推动加强投保情况核查等。这一系列举措标志着我国低 空经济在加速"起飞"的同时，有望正式进入"保险护航"新阶段。 大中小型无人机需投保责任险 近年来，我国以无人驾驶航空器为代表的新型低空航空器技术创新和产业升级深入推进，农林作业、巡 查巡检、城市治理、应急救援、物流配送等场景有序拓展，低空飞行活动日益增多，亟须建立完善低空 保险政策制度、产品服务和监督管理体系。 "目前，低空经济应用场景持续扩展，保险保障需求日益增长。随着产业技术的进步和市场需求的持续 开发，产业各环节面临的风险也日益凸显，使得低空经济参与主体对保险的需求不断增加，保险成为转 移风险、保 ...

过去二十年，商业健康保险的产品定价，很大程度上依赖这套"向后看"的经验主义逻辑——根据过去赔 了多少钱，推测未来该收多少钱。 这套逻辑在重疾险时代勉强够用，但当创新药械以每年十几个百分点的速度迭代、当CAR-T疗法单次费 用突破百万元时，历史数据彻底失效了。 北京市医保局日前联合金融监管、卫健、经信等多部门印发《北京市支持商业健康保险高质量发展的若 干措施》(以下简称《若干措施》)。《若干措施》第一条，剑指这个最顽固的症结。《若干措施》写 道：在确保数据安全、合法合规前提下，探索建立医疗费用、健康体检、影像检查等数据共享机制。这 寥寥数十字，在业内掀起的波澜远非字面所能承载。 众托帮联合创始人兼总经理龙格将其定义为此次"最利好商保且影响深远的政策之一"。他解释说，这将 从根本上解决商保产品设计缺乏精算数据的痛点。 过去商保公司设计一款特药险，或许只能参考药品说明书上的适应症发病率，再叠加海外市场的赔付经 验。在业内人士看来，中国患者的就医路径、用药习惯、临床方案与欧美截然不同，用外推法算出的费 率，要么贵得没人买，要么赔得撑不住。新政打开的，毫无疑问是医保端沉淀了二十余年的真实诊疗数 据库。 "北京商保十八条 ...

Core Insights - Apple's long-planned upgrade for the Siri virtual assistant has encountered issues during recent testing, leading to potential delays in the release of several anticipated features [1] - The company is now considering rolling out these new features in future versions rather than the originally planned iOS 26.4 update in March [1] Group 1: Delays and Issues - The upgrade for Siri has faced its second significant delay since its announcement in June 2024, with the initial launch pushed from early 2025 to 2026 due to underperformance of Apple's self-developed AI model [1][2] - Internal testing revealed technical defects in the new Siri, particularly in response stability and accuracy, including issues with query handling and response times [2] - Key features likely to be delayed include expanded access to personal data and advanced voice application control systems, which are not meeting Apple's stability standards [2] Group 2: Privacy and Development Strategy - Apple's strict privacy stance may be contributing to the repeated delays, as the company emphasizes that personalized AI must not compromise user data [3] - The company is developing a new data center chip to enhance AI capabilities while ensuring data privacy, relying on authorized information and synthetic data rather than real user data [3] - Apple's AI team has experienced significant talent loss, with key members leaving for competitors like Meta and OpenAI [3] Group 3: Future Developments - Apple is advancing two undisclosed features, including a web search tool similar to Perplexity and a custom image generation function based on Image Playground, which are expected to progress as planned [4] - A major AI project, codenamed "Campo," is in development for iOS 27, aiming to transform Siri into a system-level assistant integrated with Google's advanced Gemini model [4] - Apple has entered a multi-year agreement with Google to utilize the Gemini AI technology, which will support future smart features, including a significant Siri upgrade expected later this year [4]

马年春节临近，各大电商平台和即时配送企业开启"留人"策略。2月12日，北京商报记者走访多位站长 和骑手获悉，年前至春节期间，包括北京等一线城市的配送奖励将超过5000元，顺丰同城也向骑手推出 总价值超20万元的新春福利。为了争抢春节市场，顺丰同城也向消费端释放大额券包。 去年至今，电商巨头在即时零售开疆拓土，既让顺丰同城等第三方即配企业尝到了甜头，也因战役过于 凶猛，无形中将战火烧到了后者家门口。要想与巨头交好，顺丰同城必须采取差异化生存策略。 激励骑手 春节假期越来越近，不少配送员逐步返乡，各大即时配送平台开始向骑手释放激励政策，为春节配送储 备运力。一位北京顺丰同城的站长李力（化名）向北京商报记者表示，除每单补贴外，春节活动按阶梯 跑单，年前年后累计跑满，奖励约2000元。"结算方式为日结，当天跑次日提现，新手跑单后第三天到 账。"该站长说。 不仅如此，巨头们激战即时零售市场丝毫没有停手的意思。此前，阿里放言会坚定加大投入以达到市场 绝对第一，美团则以收购叮咚买菜加固即时零售护城河。电商巨头砸钱开疆拓土，外溢的运力需求让其 他即配企业能有利可图。2025年上半年，餐饮外卖及即时零售行业快速增长，带动即时配 ...

美国劳动力市场企稳。推迟发布的1月全美就业非农数据增长意外加速，为此前就业增长疲弱的一年画 上阶段性句号。市场此前预计1月新增非农就业人数在5万—7.5万，本次13万数据大超预期，可能会促 使美联储进一步推迟降息，但美国劳动力市场下行风险并未消散，结构性失衡仍存。 意外增长 美国劳工统计局周三发布报告称，1月，新增非农就业人数13万，创2025年下半年以来最大增幅（均为 初值）；与此同时，失业率环比下降0.1个百分点至4.3%。分析人士指出，本次报告显示美国劳动力市 场趋于稳定，预计美联储短期内将继续按兵不动。 劳工统计局数据显示，1月，美国在医疗保健、社会援助和建筑业实现就业增长，而联邦政府和金融业 的就业减少。其中，医疗保健业当月新增就业8.2万人，社会援助行业增加4.2万人，建筑业新增3.3万 人。薪资增长方面，1月私营部门非农员工平均时薪上涨15美分，至37.17美元，同比增长3.7%。 过去数月，美国就业市场呈现出一种"冻结式"状态：企业并未大规模裁员，但也普遍放缓新增招聘。这 种格局使毕业生更难进入职场，也让不少失业者陷入漫长且收效甚微的求职过程。 东吴证券首席经济学家芦哲表示，失业率持续保持温和 ...

Core Insights - The 2026 Spring Festival film market is showing strong pre-sale performance, with total pre-sale box office exceeding 158 million yuan as of February 12, 2026, led by "Fast and Furious 3" with 56.81 million yuan [1][5] - A total of 8 films are scheduled for release during the Spring Festival, with 6 films debuting on the first day, maintaining a similar quantity to previous years [3] Film Competition and Audience Insights - The competition among films is intense, with top films likely to dominate the box office, leading to a more rational market environment where film quality and audience differentiation are prioritized [3][4] - "Fast and Furious 3," "Silent Awakening," and "Bounty Hunter: Wind Rises in the Desert" are leading in audience anticipation, each with over 630,000 "want to see" counts [3][5] IP and Audience Demographics - IP films are crucial for both the Spring Festival and the overall market, with established franchises like "Fast and Furious" and "Boonie Bears" having a stable audience base [4][5] - Female viewers are expected to lead the market, contributing 75% of the pre-sale box office on the first day, while young audiences are also anticipated to increase their share [5] Pricing and Viewing Trends - The average ticket price for the Spring Festival pre-sale is 48.8 yuan, reflecting a decrease from the previous year, indicating a focus on increasing attendance and viewership [7] - The extended holiday period allows for a longer box office growth cycle, catering to a diverse audience across all age groups [7]

Core Viewpoint - The release of the "Beijing Commercial Health Insurance Eighteen Measures" aims to enhance the quality and development of commercial health insurance in Beijing, addressing long-standing issues in the industry and promoting data sharing and innovation in insurance products [1][2]. Group 1: Data Sharing and Innovation - The measures emphasize the establishment of a data-sharing mechanism for medical expenses, health check-ups, and imaging tests, which is expected to resolve the lack of actuarial data in product design [2][3]. - The policy encourages the development of innovative insurance products that are not restricted by existing regulations, particularly for high-value innovative drugs [3][5]. Group 2: Market Growth and Challenges - The commercial health insurance market is projected to reach CNY 997.3 billion by 2025, indicating a significant growth opportunity as it approaches the CNY 1 trillion threshold [4]. - The industry faces challenges such as rising product prices and increased claims, which have led to a mismatch between supply and demand in the critical illness insurance segment [4][5]. Group 3: Inclusion of Diverse Insured Groups - The measures advocate for relaxing underwriting conditions to include elderly individuals and those with chronic diseases, thereby expanding the potential insured population [5][6]. - The policy also proposes using personal medical account funds for purchasing eligible commercial health insurance products, creating a substantial funding pool for the market [5][6]. Group 4: Service Optimization and Industry Transformation - The measures call for the optimization of service experiences, including online insurance applications and claims processing, as well as collaboration with rehabilitation and nursing institutions [6][8]. - The industry is encouraged to transition from traditional fee-for-service models to value-based insurance products that integrate health management and proactive risk control [8]. Group 5: Strategic Role of Commercial Health Insurance - The measures position commercial health insurance as a proactive partner in the healthcare ecosystem, responding to the need for a multi-tiered medical security system and supporting pharmaceutical innovation [7][8]. - The industry is entering a "3.0 era," characterized by balanced product structures and a shift towards personalized insurance solutions driven by data analysis and risk management [7][8].

春节站台上，人潮从未改变，抢票战场上，"猎手"却不止归人。2月12日消息，北京市市场监管局近日 约谈12家涉及火车票网络销售业务的平台，提出四项合规要求。其中包括：禁止明示或者暗示消费者可 通过付费服务获得优先购票特权；及时整改车票售罄后的"加速包""双通道""余票监控"等误导性宣传； 下架涉嫌误导性宣传的产品，调整页面宣传内容，禁止采用12306宣传；认真做好明码标价，显著提醒 增值服务内容和价格等。 火车票网售是民众刚需，也是平台竞争的高地，但不少平台存在技术和商业的"黑洞"争议。面对"加速 包""双通道""碰瓷12306"等一系列名目花哨的车票网售顽疾，监管部门并非第一次敲打平台。而年关到 来，监管信号一次比一次明确：车票网售，该少些噱头、多点诚意了。 正如监管部门对平台的告诫："多助力、少添堵。"这六个字，恰恰是服务与套路的分水岭。 监管出手不是终点，解决问题仍需内外合力。就在2月初，《网络交易平台规则监督管理办法》正式施 行，明确禁止利用平台规则实施大数据杀熟、价格欺诈等行为。法规缰绳正在收紧，监管力度持续加 强，除了典型案例查处，诸如平台信用评价体系、消费者理赔标准等方方面面需要进一步建设和完善。 ...

节前理财攻略密集上新 春节临近，居民闲置资金配置需求升温，多家理财公司与银行密集发布节前理财攻略、上新专属产品。 中邮理财发布春节理财攻略，在产品布局上，按风险等级和资金使用周期进行了划分。现金类产品主打 低风险等级，其中天天盈0.01元起购，支持最高10万元快赎。针对有一定闲置周期、追求更高收益的投 资者，中邮理财推出多款中低风险非现金类产品，"灵活·鸿运日开15号A"1元起购，成立以来年化收益 率达3.43%；"添颐·鸿锦最短持有365天1号安盈款A"同样1元起购，成立以来年化收益率达3.99%。 工银理财也发布了节前理财攻略，推出现金管理类与低波稳健类两大系列理财产品，均设置1元起购门 槛，在申赎规则上，兼顾流动性与便捷性。低波稳健类推出四款产品，覆盖固收类与固收增强类两大类 型。其中两款低风险固收产品天天鑫稳益系列近一个月年化收益率分别为1.70%、1.26%；两款固收增 强产品中，天天鑫添益采用低波红利策略，近一个月年化收益率1.84%、天天鑫核心优选成立以来年化 收益率1.95%。 年味渐浓，年终奖与闲置资金集中到位，一年一度的春节理财窗口正式开启。2月12日，北京商报记者 注意到，春节前夕，包括 ...