Core Insights - The recent JD 11.11 shopping festival showcased significant consumer engagement with innovative 3C digital products, highlighting JD's competitive advantage in the market [1][2][3] Group 1: Sales Performance - JD captured 54.1% of the 3C digital product sales during the 11.11 event, outperforming competitors like Taobao and Tmall [1] - Sales of AI products surged, with AI tablets up 200%, AI workstations up 180%, and large-screen AI smartphones up 150% [2] - New mobile phone sales on JD increased by over 400%, while the sales volume of mobile phone contracts rose by over 700% [3] Group 2: Consumer Experience and Services - JD introduced a "30-day accidental replacement" service for mobile phones and a "60-day accidental replacement" service for gaming peripherals, enhancing consumer confidence [4] - The sales of extended warranty services for 3C products grew by 200% during the event [4] - The launch of a self-operated rental service for 3C products allowed consumers to experience new technology flexibly, promoting a "try before you buy" approach [4] Group 3: Offline Presence - JD expanded its offline presence with over 4,200 3C digital stores, allowing consumers to experience and purchase products locally [5][6] - The sales revenue from JD's 3C digital stores doubled during the 11.11 event [6] Group 4: Future Outlook - JD aims to leverage its super supply chain and partnerships to continue delivering high-quality, affordable 3C digital products, driving industry growth [6]

转自：新华财经 记者从中国华电集团获悉，中国华电"华电易"售电服务品牌11日发布。此次发布的"华电易"售电服务品牌，是能源电力央企首个推出的售电服务品牌，将引 领企业以客户为中心，系统性重构售电服务价值链，提升客户的满意度。 "品牌建设是中央企业更好履行战略使命、发挥功能价值的必然选择，也是加快创建世界一流企业、服务支撑中心工作的内在要求。"中国华电总经理、党组 副书记叶向东表示，近年来，中国华电加快构建"市场导向、运营高效、统一规范、创新赋能"的新型市场营销体系。截至目前，公司实现年签约电量超2400 亿千瓦时，年代理用户超1.8万家，绿电交易规模达125亿千瓦时。 据悉，活动现场还举行了"华电易"售电服务品牌发布仪式。新疆、山东、福建、乌江、内蒙古、江苏、四川、湖北、广东、安徽、宁夏公司及清洁能源公司 等12家中国华电百亿级售电直属单位共同作出售电承诺，相关售电公司与用户代表现场签约。（记者 沈寅飞） 编辑：吴郑思 图为发布活动现场（中国华电供图） 中国华电集团有限公司党组成员、总会计师曹海东介绍，推出"华电易"售电服务品牌，是以需求为引导，系统性重构售电服务价值链：它让购电流程更简 洁，通过搭建完善一站 ...

转自：新华财经 在江阴远景能源科技有限公司（下称"远景能源"）零碳产业园车间里，巨型智能风机叶片正有条不紊地 进行组装。这批设备即将启运沙特，助力当地可再生能源开发。"风力发电机组作为大型成套设备，单 台金额大、交付周期长，对外出口易产生资金风险。"远景能源银行融资高级总监丁雪说，"中国信保不 仅为我们提供了1亿美元保函授信，还协助完善内部风险管理体系，让银行更愿意为项目提供配套融 资，增强了企业出海竞争力。" 随着绿色金融政策和产品日趋完善，一批绿色项目相继落地生根。针对江苏某数字能源企业赴美投资充 电桩项目的需求，中国信保江苏分公司量身出具海外投资（股权）保险保单和海外投资债权（股东适 用）保险保单，助力企业顺利参与美国数字能源市场竞争；面对国电南瑞科技股份有限公司出口加纳光 伏电站配套设备项目，其创新采用全额信用证付款模式，出具特定合同保险保单，推动项目顺利实 施……2023年以来，中国信保江苏分公司支持绿色贸易和项目承保金额达427.7亿美元。 项目推进期间，中国信保江苏分公司全程护航，整合运用出口集成创新模式、行业承保专业优势和历史 项目推动经验，破解商务合同繁杂、融资协调难度大等难题，高质量完成项 ...

Core Viewpoint - Qilu Bank's Binzhou Branch is innovating financial services to support the high-quality development of local private enterprises by focusing on green finance, technology innovation finance, and specialized financial products [1][2][4][6]. Green Finance - Under the "dual carbon" goals, Qilu Bank's Binzhou Branch is exploring innovative paths in green finance, creating localized green financial products to support the low-carbon transformation of traditional industries [2]. - By June 2025, the bank's green loan balance reached 1.2 billion yuan, a significant increase of 59% from the beginning of the year, indicating a strong commitment to green financing [3]. - The bank has implemented a sustainable development-linked loan scheme based on hydrogen recovery metrics, establishing a market-driven incentive mechanism that promotes a cycle of emission reduction, cost reduction, and efficiency enhancement [2]. Technology Innovation Finance - Qilu Bank's Binzhou Branch has introduced a "Technology Innovation Finance Marketing Toolkit" to provide tailored financial services for technology enterprises, addressing traditional financing challenges [4]. - The bank has supported over 160 technology enterprises, including five national-level specialized "little giant" companies, by offering flexible and expedited financing solutions [4]. - The bank's efficient service model allows for loan disbursement within one week, helping enterprises save approximately 60,000 yuan annually in financing costs [4]. Specialized Financial Products - The bank has developed a series of inclusive financial products tailored to local industries, such as the "Cookware Loan" for the commercial kitchenware sector, which addresses the unique financing needs of small and micro enterprises [6][7]. - The "Cookware Loan" product enabled a company to expand its production capacity by 40% and create 20 new jobs, demonstrating the effectiveness of the bank's targeted financial solutions [6]. - In the first half of the year, the bank's inclusive financial products saw an increase in deployment of 264 million yuan, showcasing the vitality and effectiveness of its specialized financial offerings [7].

转自：新华财经 近日，浦发银行吉安分行"遂川县全域旅游及基础配套设施一期项目"1亿元银团贷款项目实现落地投 放，主要涉及温泉区域、索道工程、桃源梯田、景区配套公路、基础工程建设五大子项目。该银团贷款 项目的成功投放，是吉安分行在银团贷款项目上的突破，也是该行不断创新金融产品、助力地方经济高 质量发展的一个缩影。 近年来，吉安分行紧紧围绕"金融五篇大文章"，充分发挥金融职能作用，创新金融产品、优化金融服 务，深化"政银企"对接，聚焦服务实体经济，多渠道引资入吉，助力吉安经济社会取得新成效。 加大信贷投放力度，支持重点项目建设 在做好金融服务方面，吉安分行聚焦重大战略、重点领域及薄弱环节，主动对接，加大信贷投放，持续 扩大优质金融供给。截至目前，该行向地方国企、平台公司提供表内贷款、债券承销、境外债认购、融 资租赁等各类融资超40亿元，用于支持吉安城市基础设施建设、重大民生工程建设以及地方国企发展， 其中包括：为吉安市鑫石阳实业有限公司提供授信支持近1亿元，主要用于吉州区城北污水处理厂项 目；落地吉安市家庐陵投资开发有限公司1亿元棚改项目贷款，用于市林业局棚户区改造；为吉安市有 巢建筑及其子公司提供综合授信800 ...

转自：新华财经 近日，河北省产品质量监督检验研究院东光实验室正式揭牌运营。这标志着省级检验检测能力系统性地"扎根"冀东南平原的县域经 济腹地，一场深刻的"质量变革"正在东光县悄然加速。 图为河北质检院 从奔波省城到"随到随检"，企业降本增效获"强心剂" "过去送样到省院，一趟至少3天。现在实验室就在园区，随到随检，成本大降，真是实打实的'强心剂'！"东光包装机械跨境电商商 会会长李文浩的感慨，道出了当地众多中小企业的共同心声。 东光县，以纸箱包装机械、塑料制品和有机化工制品三大省级特色产业集群闻名，拥有"中国纸箱机械之乡"等多项荣誉称号。产业 规模庞大（仅纸箱机械企业就超1500家）的背后，却长期受困于产品送检周期长、成本高、标准对接不畅等难题。"小企业、大集 群"的生态，使得单个企业难以承担高昂的质量提升成本。 从会议室到园区，"质检革命"精准对接需求 转变始于2023年。当年，河北省质检院与东光县人民政府签署战略合作协议。河北省质检院党委书记董占伟表示，他们希望质量技 术服务成为东光产业升级的"催化剂"。 为此，省质检院的专家团队走出会议室，深入园区企业一线调研。从会议室集中座谈，到园区入企帮扶，掌握的需 ...

Core Insights - The Industrial and Commercial Bank of China (ICBC) Yulin Branch is actively implementing inclusive finance strategies, focusing on innovation and precise services to enhance financial support for key industrial clusters, industrial parks, and rural revitalization initiatives [1][2] Group 1: Financial Products and Services - The bank has customized financial products such as "Transaction e-loan" and "Merchant e-loan" for local industries, resulting in over 600 million yuan in new loan disbursements by the end of October, significantly enhancing credit services across 31 key industrial clusters and specialized markets [1] - Two core products, "Purchase and Construction Loan" and "Industrial e-loan," have been introduced to alleviate the financial burden on enterprises in industrial parks, with over 600 million yuan in inclusive loans disbursed to more than 200 small and micro enterprises by the end of October [1] Group 2: Support for Local Enterprises - The bank has established a dynamic financing demand matching mechanism to support the "Yushang Return" initiative, providing priority service channels for quality enterprises and promoting products like "Industrial e-loan" and "New Generation Business Quick Loan" [2] - By the end of October, the bank has issued over 60 million yuan in loans to enterprises involved in the "Yushang Return" initiative, significantly reducing financing costs through a combination of services, products, and policy incentives [2] Group 3: Agricultural and Rural Development - The bank prioritizes agricultural and rural development as a core aspect of inclusive finance, launching online and convenient agricultural financial products such as "Agricultural e-loan," "Planting e-loan," and "Breeding e-loan" to meet diverse financing needs [2] - These products effectively support local agricultural industries, including the production and sales of specialty crops like Shatian pomelo and medicinal herbs, injecting vital financial resources into rural revitalization efforts [2]

提前谋划，精准对接芒果产业需求。"兴农e贷"作为工行今年创新推出的涉农信贷产品，重点聚焦农业 全产业链各环节的融资难题。产品发布后，该行客户经理开展专项培训，深入学习产品要点与业务流 程，并结合田东县"中国芒果之乡"的产业特点，提前深入田间地头、加工车间、批发市场，走访合作 社、家庭农场及涉农企业，精准掌握芒果产业经营主体在扩大种植、设备升级、冷链建设、销售拓展等 方面的资金需求，提前完成客户筛选与尽职调查，为业务高效落地打下坚实基础。 高效落地，金融"活水"润泽"芒乡"。在产品正式上线后，该行依托分支行高效联动机制，仅用不到一天 时间，即完成从白名单导入、贷款审批到资金发放的全流程操作。获得"兴农种养贷"支持的某种植合作 社负责人表示："这笔资金来得太及时了，我们正打算引进新品种、扩建种植基地，工行的贷款就像'及 时雨'，助力我们迈出产业升级的关键一步。" 转自：新华财经 百色市田东县地处右江河谷腹地，光热充足、雨热同季，盛产芒果，培育有桂七芒、台农1号芒、贵妃 芒等30多个优质品种，被誉为"中国芒果之乡"。工行百色田东支行聚焦当地特色芒果产业发展，坚持产 品客户对位，通过"兴农e贷"产品精准支持产业链升级 ...

Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) Beihai Branch is committed to enhancing financial services for the elderly, focusing on their actual needs and creating a new model of elderly-friendly services that is comprehensive and user-friendly [1][2]. Group 1: Service Upgrades - The bank has implemented hardware upgrades and technological enhancements to improve elderly services, including the establishment of "bird service outlets" and "warm-hearted service demonstration outlets" [1]. - Facilities such as barrier-free access, caring seating, reading glasses, and emergency medical kits have been standardized to optimize the service environment [1]. - The bank has introduced large-font information for clients over 55 and simplified interfaces for smart devices and mobile banking to enhance the user experience for elderly customers [1]. Group 2: Service Process Optimization - A multi-channel elderly financial service system has been developed, combining in-branch services, smart devices, mobile banking, and home services [2]. - The bank has created detailed service guidelines to improve staff awareness and execution of elderly care services, including a green channel for elderly clients with mobility issues [2]. - Over 300 home service visits to elderly clients were conducted from January to October 2025, demonstrating the bank's commitment to personalized service [2]. Group 3: Fraud Prevention - The bank prioritizes the protection of elderly clients' funds by conducting regular anti-fraud education and encouraging the installation of the "National Anti-Fraud Center" app [2]. - More than 50 anti-fraud promotional events have been organized, focusing on financial fraud case analysis and safety knowledge dissemination [2]. Group 4: Internal Motivation and Training - The bank promotes a culture of shared responsibility for elderly services, incentivizing staff who provide attentive and thorough service [3]. - Training programs covering elderly service standards, emergency assistance, effective communication, and product rights are implemented to enhance staff professionalism [3]. - The bank aims to continuously optimize elderly services, ensuring that senior clients enjoy a convenient and secure financial experience in the digital age [3].

首先是技术突破，打开性能与品质的上限。宁德时代已布局多元前沿电池技术：量产的第四代磷酸铁锂 电池，在高比能、长寿命、高功率方面，全面领先行业主流的第二代、第三代产品；三元体系凭借领先 性能，在宁德时代麒麟、骁遥等电池中广泛应用；钠离子电池大幅降低锂资源依赖，提升安全性与低温 性能，有利于北方高纬度地区新能源车普及；骁遥"双核"电池支持多材料体系自由组合，实现电池"定 制化"；全固态电池研究和产业化进度也处于行业前列。 其次，只有拓展更多使用场景，才能形成真正的"全域增量"。宁德时代正将电池应用从乘用车延伸至商 用车、电动船舶、电动飞机等领域。在商用车领域，新能源重卡渗透率创下历史新高，宁德时代天行电 池已成为纯电重卡首选，针对矿区、工程机械等高强度工况，推出了专用高强度版本；在电动船舶领 域，搭载宁德时代电池的各类船只已近900艘；在低空出行领域，两吨级eVTOL已在复杂环境下完成多 次飞行验证，已经取得TC（型号合格证）、PC（生产许可证）、AC（单机适航证），正在取得OC （运营合格证），展示了电能驱动的全新可能。 模式创新将释放能源服务新价值。曾毓群介绍，宁德时代正在推动"车电分离"的换电模式，让电池从 ...