高端汽车消费正从"符号消费"到"价值消费"的理性回归。全景智慧旗舰SUV——问界M9的畅销，有望重塑中国高端汽车市场的竞争格局。 在刚刚过去的广州车展，赛力斯（601127）汽车官方宣布，问界全系交付已突破90万辆大关，持续领跑高端新能源汽车市场。其中，问界M9表现尤为亮 眼，累计交付突破26万辆，创下50万元级车型交付新纪录，展现出强劲的市场号召力。 销量口碑双丰收 在50万元以上价位的高端汽车市场，曾经长期由少数国际品牌主导，国产车型鲜少能够突破重围。而问界M9的强势表现正改变这一格局。 公开资料显示，2025年1-10月，问界M9以10.06万台的累计销量，成为50万元级豪华SUV车型销量标杆，重新定义了该细分市场的竞争格局与价值标准。这 一成绩标志着国产高端新能源车首次在高端市场实现规模化突破，从曾经的边缘选择逐步走向主流舞台。值得一提的是，问界M9的成功不仅体现在销量 上，还表现在对传统豪华品牌用户的吸引上。在市场认可度上，问界M9实现了高销量、高口碑、高保值三大维度的同时领先。 杰兰路调研数据显示，近50%问界M9车主来自传统豪华品牌的增换购，单车均价达55万元。2024下半年-2025上半年新能 ...

（国家金融监督管理总局） 近日，国家金融监督管理总局厦门监管局发布的行政处罚信息显示，厦门金美信消费金融有限责任公司因存在以下主要违法违规行为：第三方合作机构管理 不到位、消费者权益保护工作不到位、个人消费贷款业务调查审查不审慎，被罚款120万元，相关责任人员庄雅兰、周忠德被警告。 | 序 | 当事人名称 | 主要违法违规行为 | 行政处罚内容 | 作出过 | | --- | --- | --- | --- | --- | | 특 | | | | イ | | 7 | 厦门金美信消费 | 第三方合作机构管理不到 | 对厦门金美信消费 金融有限责任公司 罚款120万元;对 | 厦门台 | | | 金融有限责任公 | 位、消费者权益保护工作 | | | | | 司及相关责任人 | 不到位、个人消费贷款业 | | 管 | | | | | 庄雅兰、周忠德警 | | | | 员 | 务调查审查不审慎 | 告。 | | ...

Core Insights - Jack Wolfskin, a German outdoor brand, announced the closure of its Xiaohongshu flagship store by December 31, 2025, as part of a strategic operational adjustment [1] - Anta Group completed the acquisition of Jack Wolfskin for $290 million, aiming to enhance its outdoor product line and strengthen its competitive position in the outdoor sports market [1] - Jack Wolfskin has a strong market presence and technical advantages, established over 40 years, with a well-developed sales network globally [1] Group 1 - The closure of the Xiaohongshu store reflects Anta's channel integration strategy, focusing on more effective e-commerce platforms like Taobao and JD [2] - Anta appointed Yao Jian, former president of Amer Sports Greater China, as the global president of Jack Wolfskin to leverage his experience in localizing international brands [2] - Anta aims to achieve deep synergy in supply chain, product development, and retail operations, using Jack Wolfskin to penetrate the emerging outdoor consumer market in China [2]

12月3日，希尔顿集团发布"无障碍职场发展计划"，通过更具针对性的岗位设置与全方位的支持体系， 为有障团队成员打造更为包容的职场环境以及可持续的职业发展通道。 该计划涵盖五大核心举措:集中开放40余个有障人士全职岗位，覆盖礼宾、后厨、客房服务等多个职能; 面向社会有障人士开放希尔顿集团零工项目;发布《打造包容性工作场所指南》，赋能大中华区酒店管 理团队践行包容性领导力，并推动包容理念落地;定期面向管理酒店总经理及部门总监开展沉浸式体验 工坊，深化其对有障群体需求与潜能的理解；每年举办"有障团队成员活动周"。 资料显示，截至2025年11月，希尔顿集团大中华区管理酒店中全职有障团队成员比例达2.7%。此次集 中发布的40余个岗位，分布在上海，北京，浙江，江苏，湖北，山东，广东，福建，四川等地，将进一 步为有障人士提供高质量的就业机会。同时，希尔顿集团的零工岗位也同步向社会有障人士开放。自 2023年"零工"项目启动以来，已为近380名有障人士提供了1万多个零工班次。 (希尔顿集团) ...

Core Insights - The report indicates a rapid growth in China's chronic illness insurance market, with a market size exceeding 12 billion yuan in 2024, reflecting a 50% year-on-year increase [1] - Waterdrop Insurance plans to launch 214 innovative chronic illness insurance products by 2025, leveraging AI technology to promote inclusivity in insurance coverage [1] Group 1: Market Demand and Challenges - The elderly population in China has reached 310 million, accounting for 22% of the total population, with 75% suffering from at least one chronic disease [2] - The prevalence of chronic diseases among the youth is alarming, with rates of sub-health and chronic diseases being twice that of the elderly [2] - The average treatment cost for chronic illness patients is 87,000 yuan, which is 2.1 times the annual disposable income of residents in 2024, indicating a significant protection gap [2] Group 2: Insurance Accessibility Issues - Nearly 30% of chronic illness patients face rejection for insurance due to inability to pass health disclosures [3] - A significant portion of the population expresses a strong willingness to pay extra premiums for coverage of pre-existing conditions, with an average willingness to pay 4,049 yuan annually [3] - The report highlights the need for government and industry collaboration to enhance the development of chronic illness insurance products [3] Group 3: AI and Product Innovation - Waterdrop Insurance has launched 214 chronic illness insurance products, including 34 that are industry-first innovations, and 37 that support no health disclosures [4] - The application of AI technology has significantly reduced the average processing time for health insurance underwriting by 80% [6] - Waterdrop Insurance has initiated a "Universal Product Alliance" with 18 insurance companies to focus on the insurance needs of chronic illness patients and other specific demographics [6]

【#汾酒董事长称白酒行业过得不容易#，传统经验几乎失效】在12月2日举行的2025汾酒全球经销商大 会上，山西汾酒集团党委书记、董事长袁清茂表示，当下白酒行业过得不容易是"有目共睹"，这一现状 与白酒发展模式的快速转变有关。过去白酒行业高歌猛进，更多由政务和商务消费场景带动，该类消费 具有频次高、价格高等特点，也使行业形成了某种惯性思维。然而，这一传统经验在2025年几乎失效。 此外，白酒企业长期对微醺、休闲、家饮、自饮、友饮等消费场景关注不足，甚至视而不见，也是原因 之一。 袁清茂认为，随着白酒行业深度调整持续，过去白酒主要发挥社交货币的功能，而悦己消费崛起后，其 社交属性也受到一定影响。但基于中国人情社会的特点，未来白酒市场将是传统与年轻化、悦人与悦 己、线上与线下长期并存的局面。（一财） 今年三季度，白酒行业遭遇了近十年来最差的三季报表现，山西汾酒是少数保持增长的酒企之一。2025 年前三季度，山西汾酒实现营业收入329.2亿元，同比增长5%；归属于上市公司股东的净利润114.1亿 元，同比增长0.5%。因此，汾酒此次经销商大会也备受行业关注。 ...

【#工行三年期大额存单100万元起存# 行业门槛20万】#各家银行大额存单起步门槛基本为20万#12月2 日晚间，智通财经记者登陆工商银行APP发现，该行正在发售的2025年第四期3年期个人大额存单，起 步门槛标注为"100万起存"，而年利率仅为1.55%。而最新的工行三年期定存产品的年利率，标注为"年 利率最高可至1.55%"，而定存的起步门槛仅为50元。智通财经查询及采访了解到，当前市场上各家银 行大额存单起步门槛基本为20万元。（智通财经） 6个月 20万元起存 2025年第四期6个月个人大额存单 (2025100406) -可转让 1.10% 年利率 6个月 20万元起存 2025年第三期6个月个人大额存单 (2025100306) -可转让 (2025100224) -可转让 1年 20万元起存 > 2025年第四期1年期个人大额存单 (2025100412) -可转让 1.10% 年利率 1.20% 年利率 > ...

据"上海发布"公众号12月1日消息，闵行区新闻办介绍，秉持"安全可控、稳步推进、先行示范"的原 则，闵行区系统推动自动驾驶测试道路开放，即将向社会解锁124条、约330公里测试路段，全力打造多 层次、多功能的智能出行新高地。 ...

Core Viewpoint - The Shanghai Municipal Transportation Commission and the Shanghai Municipal Development and Reform Commission have issued a notice to enhance the safety management of public electric vehicle charging and swapping facilities, emphasizing the importance of quality and safety in these facilities [1] Summary by Relevant Sections - **Regulatory Requirements** - Starting from August 1, 2026, all newly constructed or updated public charging and swapping facilities in Shanghai must use products that have passed the mandatory product certification (CCC certification) as per the announcement from the State Administration for Market Regulation [1] - **Encouragement for Early Adoption** - The notice encourages enterprises involved in the construction of charging facilities to adopt CCC-certified products ahead of the regulatory deadline [1]

Core Insights - The total import and export value of automotive goods in China reached $25.31 billion in October 2025, showing a month-on-month increase of 1.7% and a year-on-year increase of 9.5% [1] - From January to October, the cumulative total import and export value of automotive goods was $232.08 billion, remaining roughly stable compared to the same period last year [1] Summary by Categories - **Monthly Performance** - In October 2025, the automotive goods import and export value was $25.31 billion, with a month-on-month growth of 1.7% [1] - Year-on-year, the growth was recorded at 9.5% [1] - **Cumulative Performance** - The total import and export value from January to October was $232.08 billion, which is approximately the same as the previous year [1]