（文章来源：新华财经） 工商银行还组建了"三支养老服务队伍"，为服务体系注入人文温度。一是在每个网点配备至少1名"养老 服务顾问"，负责政策解读、产品推荐和资源对接。二是邀请退休员工作为"养老服务体验志愿者"，从 用户视角优化流程和产品，已收集采纳1500余条宝贵建议。三是组建"青年志愿者团队"，深入社区开展 防诈宣传、业务办理等服务，充分展现工商银行的青年力量。 此外，工商银行持续创新多元金融产品，提供"N种养老服务产品"，满足各类需求。在对公方面，"工 银养老金"服务为企业年金提供一站式服务，目前管理的企业年金规模超1.7万亿元。针对养老机构融资 难问题，工商银行推出了"养老REITs"服务，并打造了免费、安全的"银发产业云"平台，服务于政府、 机构和个人。此外，在养老产业贷款方面，针对不同类型的客户提供不同的贷款产品。个人方面，工商 银行为55岁以上"长辈客群"打造了"工银爱相伴"品牌服务体系。 工商银行还依托庞大的网点和先进的线上平台优势，积极打造线上线下两个服务阵地，着力提升服务的 可得性与便捷性。在线下，工商银行启动"百千万工程"，计划打造百家养老金融旗舰网点、千家养老金 融标杆网点和万家养老金融 ...

| 基金管理人名称 | 泉果基金管理有限公司 | | --- | --- | | 公告依据 | 《公开募集证券投资基金信息披露管理 | | | 办法》《证券基金经营机构董事、监事、 | | | 高级管理人员及从业人员监督管理办法》 | | | 等相关法律法规 | | 高管变更类型 | 代任基金管理公司总经理 | | | 离任基金管理公司总经理 | 新华财经上海11月3日电 11月3日，泉果基金官网发布高级管理人员变更公告，公告显示公司创始人、 总经理王国斌病逝，即日起由董事长任莉代任总经理职务。目前，泉果基金官网已切换为黑白色调，以 表达对王国斌的深切哀悼。 公开信息显示，王国斌拥有北京大学硕士学位、中欧国际工商学院EMBA学历，累计证券从业经验达31 年。他曾参与创办君和资本，并作为东方红资产管理的创始人，为资本市场投资老将。 | 代任高级管理人员职务 | 总经理 | | --- | --- | | 代任高级管理人员姓名 | 任莉 | | 是否经中国证监会核准取得高 | | | 管任职资格 | | | 中国证监会核准高管任职资格 | | | 的目期 | | | 任职日期 | 2025-11-03 | | 过 ...

新华财经北京11月3日电 3日，2026年度"北京普惠健康保"上线发布会在京举行。据介绍，作为北京市 唯一一款由政府指导监督的普惠型商业补充医疗保险，"北京普惠健康保"四年累计参保超1500万人次， 累计处理理赔案件达41.9万件。截至9月底，单笔最高赔付金额达76.11万元；单人最多获得23次赔付； 理赔覆盖人群不分长幼，最大赔付年龄为104岁的高龄老人，最小赔付年龄则是不足1个月的新生儿。 即日起，不限年龄、职业以及健康状况，凡是北京基本医保参保人（城镇职工医保、城乡居民医保）、 北京市医疗保障局等相关政府部门管理的特定人群（征地超转、医疗照顾、离休及军休参保人员）、中 央公费医疗人群、拥有北京户籍或持有北京市居住证且已参加异地基本医保的北京市新市民，皆可以关 注官方指定参保平台"北京普惠健康保"微信公众号线上投保；还可在支付宝、"京通"小程序等官方渠道 搜"北京普惠健康保"投保；亦可通过中国人民保险、中国人寿、泰康、太平洋保险、中国平安、北京人 寿6家保险公司的专业工作人员咨询投保；还可通过中国工商银行、中国农业银行、中国银行、中国建 设银行、交通银行、北京银行、北京农商银行等银行的在京线下营业网点投保 ...

今日挂牌协议交易成交量421,568吨，成交额20,448,225.30元；大宗协议交易成交量1,105,615吨，成交额55,169,669.00元；今日无单向竞价。 今日全国碳排放配额总成交量1,527,183吨，总成交额75,617,894.30元。 2025年1月1日至11月3日，全国碳市场碳排放配额成交量141,188,515吨，成交额8,861,414,482.11元。 截至2025年11月3日，全国碳市场碳排放配额累计成交量771,457,179吨，累计成交额51,894,141,585.62元。 新华财经北京11月3日电据微信公众号"全国碳交易"，11月3日全国碳市场综合价格行情为开盘价51.54元／吨，最高价53.28元／吨，最低价51.54元／吨， 收盘价52.73元／吨，收盘价较前一日上涨1.48%。 | 名 称 | 价 格 | 单 位 | | --- | --- | --- | | 开 盘 | 51. 54 | 元/吨 | | 最 高 | 53. 28 | 元/吨 | | 最 低 | 51. 54 | 元/吨 | | 收 盘 | 52. 73 | 元/吨 | | 涨幅 | 1. 48% ...

Core Insights - The second Manufacturing Intelligent Solutions Innovation Competition's smart sensor innovation track semi-finals took place in Wuxi during the "2025 Intelligent Sensor (Wuxi) Innovation Development Conference" [1] - Smart sensors are recognized as the "nerve endings" of the Internet of Things and a core foundation for the deep integration of the digital economy and the real economy [2] Group 1 - The event featured a prominent opening ceremony with key representatives from the Mechanical Industry Instrumentation Comprehensive Technology Economic Research Institute and various government officials [2] - A keynote report titled "Analysis and Trends of Sensor and Instrument Innovation Development" was presented by Wang Linkun, the Executive Deputy Director of the hosting organization [2] Group 2 - The semi-finals showcased 50 top teams from major research institutions, tech companies, and universities competing in areas such as micro-nano sensing technology and intelligent sensor network technology [3] - After rigorous evaluation by experts, 20 projects advanced to the finals based on their technological breakthroughs and clear market prospects [3] Group 3 - A concluding seminar was held, featuring discussions among industry experts, local government leaders, and representatives from the qualifying teams [4] - The event included the presentation of certificates to the teams advancing to the finals, along with insightful reports from invited experts [4] - The national finals and awards ceremony are scheduled to take place in Chongqing later this year, alongside a series of related events [4]

Core Points - China Construction Bank announced the suspension of certain gold investment services starting from November 3, 2025, due to market volatility and risk management considerations [2] - The suspended services include real-time purchases, new investment plans, and physical gold exchanges, while existing clients' investment plans and redemptions will remain unaffected [2] - The bank will also pause personal gold accumulation exchanges for physical precious metals, but other personal gold accumulation services will continue [2] Summary by Category - **Service Suspension** - The bank will suspend real-time buy-in, new investment plans, and physical gold exchange applications starting from November 3, 2025 [2] - Existing clients' investment plans, redemptions, and account closures will not be impacted [2] - **Impact on Personal Gold Accumulation** - Personal gold accumulation exchanges for physical precious metals will be paused [2] - Other personal gold accumulation services will remain unaffected [2] - **Future Announcements** - The bank will provide updates regarding the resumption of the suspended services in future announcements [2]

在10月31日举行的国际蒸馏酒品牌价值发布大会上，五粮液股份公司总工程师杨韵霞以《基于卓越品质的品牌建设和美 实践》为题，分享了五粮液品牌建设与全球化发展的和美路径。她表示，作为中国浓香型白酒的典型代表，五粮液始终 将品质置于企业生存发展的核心地位，将"品质为基"理念深度融入企业战略和运营全过程，以全系产品架构、全链质量 管控、全员质量文化持续赋能品牌形象、提升品牌价值。五粮液始终致力于基业常青，做国际最受欢迎的中国白酒领军 企业，从"业务、品牌、合作、管理、组织"五个方面明确了国际化战略，更加注重研究并融入本地文化，利用本地媒 体、本地语言、本土方法，进行市场渗透。 作为世界上首个以五种粮食酿造的蒸馏酒和最早走向世界的民族品牌之一，五粮液始终秉持"和合共生，美美与共"的理 念，积极拥抱世界。截至目前，五粮液已香飘全球数十个国家和地区，五粮液大酒家落地中国香港、日本东京、新加坡 等地，以"美酒+美食""展示+品鉴""产品+文化"的创新模式，通过本地化场景运营，让中国味道融入全球品质生活；独 家打造的行业首个"和美全球行"跨国主题文化交流活动先后走进全球19个国家和地区，跨界携手米其林指南、意大利金 巴利集团， ...

Core Viewpoint - Huayang Group's Qiyuan Company has successfully completed the acceptance of its 5 million tons/year mining project, marking a new chapter in strengthening its coal industry and promoting high-quality development [2] Group 1: Operational Efficiency - Qiyuan Company has enhanced lean management across all systems, achieving 75% of its annual tunneling target by the end of September, with a maximum monthly advance of 190 meters [3] - The company has implemented innovative gas management technologies, with a cumulative gas extraction of 3.4 million cubic meters from the 15102 intake airway [3] - A total of 11 tunnels are currently being excavated, with a cumulative completion of 47,632 meters [3] Group 2: Coal Washing and Processing - The Qiyuan coal washing plant has focused on process optimization to enhance washing capabilities, addressing key equipment integration challenges [4] - The plant aims for refined management and customized production to ensure high-quality completion of annual tasks [4] Group 3: Smart Mining Initiatives - Qiyuan Company has integrated smart technologies across safety, production, and operations, achieving full 5G coverage in production areas [8] - The smart mining operations have improved production efficiency and safety through real-time data collection and remote control capabilities [8] - The intelligent coal washing plant features automated systems for coal quality management and logistics, enhancing operational efficiency [8] Group 4: Low-Carbon and Green Development - The company has prioritized green and low-carbon initiatives, significantly improving energy utilization efficiency [9] - A low-concentration gas power generation project has utilized 12.5 million cubic meters of gas, generating 37.5 million kilowatt-hours of electricity, resulting in direct economic benefits of 1.25 million yuan [9] - The installation of a smart photovoltaic system on the dormitory roof is expected to generate over 3.65 million kilowatt-hours annually, providing clean energy and economic benefits [10] Group 5: Resource Utilization and Environmental Impact - Qiyuan Company is developing a backfill system for unusable gangue, aiming to process 6.3 million tons over seven years, enhancing resource utilization and production safety [11] - The implementation of an intelligent gangue sorting system aims to reduce ineffective transportation and lower surface processing pressure [11]

Core Insights - The article highlights the accelerated internationalization of Chinese companies, particularly focusing on Wuliangye's efforts to promote Chinese liquor globally through initiatives like the "He Mei Global Tour" and participation in the APEC Business Leaders Summit [1][2][10] Group 1: International Expansion - Wuliangye is leading the charge in the internationalization of Chinese liquor, with the "He Mei Global Tour" launching its South Korea leg on October 27 [1][6] - The company has expanded its overseas business to multiple countries and regions, establishing a scalable international market presence [10] - Wuliangye's approach to internationalization goes beyond mere product sales, focusing on building a systemic ecological presence in foreign markets [10] Group 2: Sustainable Development - Wuliangye has been recognized for its sustainable development practices, being the only liquor company included in APEC's 2022 "Sustainable Industry Development Action" report [5] - The company has received multiple awards for its sustainability efforts, including the EFQM Global Award and the United Nations Sustainable Development Goals Performance Award [5] - Wuliangye emphasizes ecological priorities in its development strategy, integrating green concepts throughout its product lifecycle [4] Group 3: Cultural Engagement - The "He Mei Global Tour" aims to bridge cultural gaps and deepen emotional connections with consumers from diverse backgrounds [8] - Wuliangye's marketing strategies include immersive experiences that engage multiple senses, appealing to younger consumers in South Korea [8][6] - The company showcases its unique cultural heritage and sustainable practices through various promotional activities, enhancing its brand image globally [4][11] Group 4: Brand Value and Recognition - Wuliangye ranks 15th in the "Top 500 Most Valuable Chinese Brands" and has been recognized as a top-performing brand for eight consecutive years [11] - The brand's value reached $27.778 billion, reflecting a 7.27% increase year-on-year, with a strong AAA+ rating in brand strength [11] - The company aims to use its products to foster cooperation and convey the essence of China's sustainable development [11]

（文章来源：新华财经） 最新的数据将令瑞士央行行长施莱格尔及其他官员感到沮丧，他们曾预测通胀将在今年年底和2026年初 加速。价格增长未能从0-2%的目标区间的下限回升，这将使政策制定者在面对瑞郎强势时的任务更加 复杂。 瑞士央行可以选择进行外汇干预，这将膨胀其资产负债表并激怒美国，或者采取负利率政策，但可能会 伤害金融系统。 新华财经北京11月3日电瑞士通胀意外放缓至接近零水平，给央行带来压力，迫使其采取措施应对瑞郎 的强势并推动物价增长。 数据显示，10月CPI同比上涨0.1%，低于前一个月的0.2%，也低于市场预期的0.3%。瑞士央行面临的一 个紧迫问题是瑞郎的避险货币地位已将其推升至接近十年来最高水平，这一强势有可能通过压低进口成 本来抑制通胀。核心通胀上月也意外放缓，从0.7%降至0.5%。 ...