今年以来，农信改革加速推进。截至目前，河南、内蒙古、江苏、江西等地的农村信用社省级机构已挂 牌营业，国内由农信改革而生的新省级机构达到了10家。 改革发展向来离不开人才。近期，浙江、辽宁、海南、江西等地的多家农村信用社省级机构均发布了社 会招聘公告，招纳总行高管、金融科技、公司金融等相关人才。 业内人士指出，各地农村信用社省级机构陆续筹备落地，经营状态也将从"挂牌运营"走向"完善治理"， 相应的人才队伍特别是金融科技人才急需补充和储备，以来提升差异化服务、数字化风控等能力，预计 未来市场化招聘高管也将成为新趋势。 多家银行发布招募令 7月底，浙江农商联合银行发布公告称，面向全省市场化选聘系统内农商银行经理层岗位人员，具体选 聘岗位为桐庐农商银行副行长1名、嘉善农商银行副行长1名、龙游农商银行副行长1名。 浙江农商联合银行成立于2022年4月，由浙江省农村信用社联合社改制设立，也是全国深化农信社改革 的"第一单"，采用"下参上"的股权模式。目前，浙江农商联合银行下辖82家县（市、区）农商银行、农 信联社，本次招募副行长的三家农商行均为旗下成员。 近期，辽宁农商银行也发布了总行及市级机构管理人员招聘公告，合计招聘 ...

刚进入8月，造纸行业便迎来一轮涨价潮。玖龙纸业、理文造纸、山鹰国际（600567）等龙头企业近日 相继发布涨价函，宣布自8月1日起上调多款产品价格。这已是7月以来包装纸行业发起的第四轮涨价， 显示出行业调价频率明显加快。 今年以来，造纸企业已在1月—3月和5月进行过两轮提价，而本轮主要是包装纸价格上涨。原材料、能 源及物流等成本上升成为此轮涨价的主要推动因素。 卓创资讯（301299）分析师表示，瓦楞纸是包装纸的重要类型之一，主要原料为废旧黄板纸，占总成本 的75%左右。废旧黄板纸价格变化与瓦楞纸价格走势有较强的正相关性。7月上旬，纸厂成品纸库存有 所升高，抵消部分废旧黄板纸供应偏少的影响，废旧黄板纸市场价格基本稳定运行。但7月中旬开始， 华东、华南地区降雨增加，影响废纸供应，区内纸厂采购价格整体上调20—40元/吨。7月下旬，受台 风"韦帕"影响，东南沿海地区降雨增强，部分纸厂采购价格再次上调。 业界认为，纸企近期连番发涨价函拉涨纸品出厂价格，可看作是包装纸行业对今年以来不断下探的市场 行情的一次"反攻"。 业内人士指出，当前厂商的涨价策略，一方面在于刺激下游拿货，另一方面强化涨价预期。"厂商通过 涨价预期 ...

魏博 过去，企业谈心理，多聚焦基层员工。而今，心理风险已上移至部分企业高管。其背后是经济波动、职 场文化异化及社会压力叠加的综合结果。深圳某创投机构今年首次将"心理资本净值"写进商业计划书模 板，投资人现场追问创业者："你们的心理资产负债表够厚吗？" 何谓心理资本？组织行为学家路桑斯将其概括为"自我效能、乐观、希望、韧性"四要素，这些元素构成 了员工的心理韧性，影响员工对工作的投入度、创新能力以及应对压力的能力。这种能力既取决于微观 个体的体验，也来自于企业管理系统和组织文化的塑造。具备高韧性的组织，在给予员工物质回报的同 时，还善于塑造稳定、清晰、一致的文化价值观，让员工获得"心理回报"。 构建企业心理资本是一项战略投资，需要高层引领、文化奠基、系统干预、环境支持和持续评估。它不 是简单地提供"急救包"式的危机干预，而是通过塑造积极的组织环境、赋能的管理实践和科学的发展项 目，系统性地提升员工应对挑战、追求目标、保持积极和恢复活力的核心心理能力。最终，这将转化为 组织的韧性、创新力、生产力和可持续竞争优势。心理资本的构建，不是为员工披上铠甲，而是点燃他 们内心的火种——让挑战成为燃料，让挫折成为阶梯。当企业 ...

证券时报记者陈雨康 上海在7月下旬发放了新一批智能网联汽车示范运营牌照，标志着当地智能网联汽车示范运营迈入常态 化、规模化新阶段。小马智行宣布，8月1日起联合锦江出租在上海市浦东新区金桥和花木两大区域落地 全无人驾驶出租车（Robotaxi），运营时间为每周一至周五早7:30至晚9:30——这意味着，上海市区范 围内首次出现完全无人驾驶的Robotaxi。 8月4日，记者在上海市浦东新区花木街道全流程体验了小马智行Robotaxi。该款Robotaxi的使用类似网 约车，上车后通过语音和屏幕向乘客传达信息。车辆全程自主操控，遇红灯提前缓刹，流畅避让行人和 来往车辆，转向时匀速丝滑，如同老司机般稳健自然。 8月4日下午，证券时报记者来到上海市浦东新区花木街道上海科技馆南侧道路的"锦绣路世纪大道（上 海科技馆）"公交站，用小马智行APP呼叫了一辆三座SUV的Robotaxi，行程终点为浦东新区人民政府3 号门。约5分钟后，APP显示有车接单。 片刻后，印有小马智行和锦江出租logo，以及"无人驾驶测试"字样的白色SUV抵达上车点。透过车窗可 以清晰看到，驾驶位空无一人，副驾驶位置上放置了一个显眼的玩偶作为标识。 ...

Core Viewpoint - The successful installation of the CB20 module at the Shandong Haiyang Nuclear Power Plant Unit 3 marks the completion of all large module installations, transitioning the project into the equipment installation and debugging phase [1] Group 1: Project Details - The Haiyang Nuclear Power Units 3 and 4 are key projects under China's 14th Five-Year Plan, with a planned full operation by 2027 [1] - The installation of the CB20 module is a significant milestone in the construction of the nuclear power plant [1] Group 2: Industry Context - The development of nuclear power projects like Haiyang is part of China's broader strategy to enhance energy security and transition to cleaner energy sources [1]

Core Viewpoint - The tourism industry in China is entering a rapid development phase, becoming the largest domestic tourism market globally and a major source and destination for international tourism. The "14th Five-Year Plan" period is crucial for enhancing the modern tourism system and building a strong tourism nation, with a focus on cultivating new quality productivity as a key driver for tourism development [1] Group 1: Significance of Cultivating New Quality Productivity in Tourism - The tourism industry, as a significant area for consumption upgrade, can effectively promote domestic demand growth through quality enhancement and expansion [2] - As a labor-intensive industry, improving quality and efficiency can help stabilize employment [2] - The tourism sector plays a vital role in ecological civilization construction, with its innovative development contributing positively to green industry [2] - The dual role of tourists as both demand subjects and components of tourism products creates a close interaction among laborers, materials, and objects in the tourism industry [2] Group 2: Relationship Between New Quality Productivity and Production Relations - High-quality development in tourism is essentially a manifestation of new quality productivity within the sector, driven by the widespread application of digital and intelligent technologies [3] - The promotion of new technologies and models requires systematic adjustments in the entire tourism industry chain's production relations [3] - Constructing production relations that adapt to new quality productivity in tourism is a core issue for promoting high-quality industry development [3] Group 3: Key Breakthrough Directions for New Quality Productivity in Tourism - Strengthening inter-departmental collaboration to overcome barriers in tourism industry integration is essential [4] - Establishing a feedback mechanism that connects technology-driven supply innovation with tourism demand is crucial for deep interaction between new quality productivity and new consumption [4][5] - Encouraging the integration of technology with services and consumption to enhance the overall value chain in tourism [5] - Fostering strategic emerging industries in tourism through independent innovation and addressing technological bottlenecks in key areas [5][6] Group 4: New Empowerment System for Industry Integration and Innovation - A collaborative approach led by cultural and tourism departments, along with other relevant ministries, is necessary to address issues like non-unified standards and data interoperability [6] - Establishing effective channels connecting R&D and market demands, and creating tourism technology innovation centers in key cities is vital [6] - Implementing a "prudent inclusivity" regulatory approach for emerging tourism business models and establishing a dynamic negative list system for new technology applications [6]

Core Viewpoint - Neta Auto's parent company, Hozon New Energy, is actively seeking investors for its bankruptcy restructuring process, indicating a significant step towards recovery and resource optimization [1][3]. Group 1: Recruitment of Investors - The formal announcement for recruiting restructuring investors includes detailed guidelines on the recruitment process, deposit requirements, and investment proposals, which were not covered in the preliminary announcement [2]. - Potential investors are encouraged to have strong industry positioning and resource integration capabilities, with priority given to those with relevant operational experience in similar-sized enterprises [2]. - Interested investors must pay a registration deposit of 50 million yuan (approximately 7.1 million USD) by September 15, 2025, and sign a commitment letter ensuring no significant outstanding debts or legal issues [2][3]. Group 2: Current Status and Developments - As of June 30, 2023, 53 potential investors had pre-registered for the restructuring process, indicating strong interest in Hozon New Energy [3]. - Employees at Neta Auto's Tongxiang factory received full salaries in July, contrasting with previous reports of reduced wages, suggesting improved financial conditions [3]. - The restructuring plan must be submitted by September 30, 2025, detailing the investment amount, debt repayment plan, and future operational strategies [4]. Group 3: Operational Context - Hozon New Energy has been in a state of suspension since November 2024, but as of the latest updates, the company retains over 400 employees, including management and core technical staff, indicating readiness to resume operations [4].

联合资信出具的跟踪评级报告认为，汉口银行增资扩股后，国有法人持股比例进一步提升，政府支持意 愿增强使其主营业务发展能够借助国有股东背景，在客户渠道等方面获得一定优势。 此外，绍兴银行作为国有控股地方性城商行，去年亦完成了重大股权转让，国有股东持股合计占比由 57.47%提升至66.94%，股权结构得以进一步优化，其主体评级获上调至AAA。 中小银行最新评级结果陆续出炉。 证券时报记者注意到，最近两个月内，已有合计9家中小银行主体信用评级获上调，包括7家城商行和2 家资产规模靠前的农商行。从评级上调的原因来看，上述银行普遍受益于区域经济发展，通过改革化 险、强化资本实力等举措赢得了评级认可。另外，多家银行还完成了大规模增资扩股，并获得地方国资 增持。 与此同时，年内合计有4家小型农商行主体评级被下调，另有多家中小银行评级报告延迟披露，均为年 报未公布，但具体原因各不相同。按照要求，有债券存续的商业银行，评级机构应当每年至少向市场公 布一次定期跟踪评级报告，且应在其年报发布截止日期3个月内出具。 政府支持力度推动评级上调 在对中小银行评级的过程中，资本实力与地方政府的支持力度往往被评级机构纳入重要考量。其中，多 ...

日前，美国非农就业数据"爆雷"，搅动全球资本市场。中国资产则因经济内在稳定性与全球资本再配置 共振, 再度彰显韧性十足。 美国劳工部公布的数据显示，7月美国非农就业增长放缓，劳工部还大幅下修5月和6月的新增非农就业 数据，劳动力市场显著降温。数据公布当日，美股三大指数下挫，美元指数单日大跌逾100点，黄金价 格再度突破3300美元/盎司。相比之下，中国资产走出独立行情，8月4日，A股、港股主要指数稳中有 升，这背后是多重结构性力量的支撑。 一方面，自7月中央政治局会议召开以来，"以我为主"的导向越发明确，宏观政策要持续发力、适时加 力。统筹短期稳增长与中长期结构优化，政策的定力为市场提供了"稳预期"的基石。另一方面，中国经 济内生动力持续释放，上半年国内生产总值同比增长5.3%，新消费亮点频现，新产业加速成长，新动 能澎湃迸发，高质量发展引擎强劲，不断提振投资者信心。 （文章来源：证券时报） 外资机构也以实际行动投出"信任票"，一边对相关上市公司进行密集调研，一边唱多并持续上调中国股 票评级。如高盛年内已经多次上调中国主要股指目标点位，持续维持对中国股市"超配"立场。 人民币资产"磁性"不断增强，今年上半年， ...

Group 1 - The core viewpoint of the article emphasizes the innovative approach of the recent interest subsidy policy implemented by the four major banks in response to the State Council's directives, which aims to stimulate sustainable economic growth through a mechanism that leverages financial resources rather than direct fiscal injections [1][2][3] - The interest subsidy policy is designed to address two major economic pain points: consumer reluctance to spend due to rising fixed expenses and the financing challenges faced by small and micro enterprises in the service sector [2][3] - The policy creates a "leverage transmission" mechanism where fiscal funds lower loan interest rates, encouraging banks to actively channel credit into consumption and service industries, effectively acting as a "disguised salary increase" for consumers [1][2] Group 2 - The dual empowerment of consumers and service providers is reshaping the economic cycle, where improved supply quality through financial support leads to increased consumer spending, creating a positive feedback loop [2][3] - The role of banks is evolving as they respond quickly to the policy, benefiting from attracting quality clients and expanding credit scale while enhancing their inclusive finance brand image [2][3] - This financial "national subsidy" serves as a macro tool "stress test," balancing growth stabilization and risk prevention, and providing a reference for future economic cycle management [3]