Core Viewpoint - The ice and snow economy in China is experiencing rapid growth, driven by policy support, consumption upgrades, and innovative scenarios, with indoor ski resorts playing a crucial role in expanding the market, especially in southern regions [1][2]. Policy and Market Dynamics - Ice and snow-related consumer goods have become a consumption hotspot since September, with Douyin reporting a 112% year-on-year increase in related content and a 24% rise in group buying sales [2]. - The State Council aims for the ice and snow economy to reach a total scale of 1.2 trillion yuan by 2027, promoting nationwide participation in ice sports [2]. - By 2030, the total scale of China's ice and snow economy is projected to reach 1.5 trillion yuan, indicating significant growth potential [2]. Indoor Ski Resort Growth - Indoor ski resorts are emerging as a new growth engine, with 5 indoor ski resorts in 2013 growing to 66 by April 2025, primarily located in economically active southern regions [4][5]. - Indoor ski visits are expected to reach 5.63 million by the 2024-2025 fiscal year, accounting for 22% of total ski visits, with a compound annual growth rate of 23% since 2018-2019, significantly outpacing the 4% growth of outdoor skiing [4][5]. Seasonal Demand and Operational Strategies - Indoor ski resorts exhibit unique seasonal demand patterns, thriving in off-peak winter months, with May, July-August, and October being peak times [6]. - High fixed costs necessitate effective management of both peak and off-peak seasons, with successful indoor ski resorts characterized by advantageous locations, large scale, and refined operations [6]. Diversification and Event Integration - To address seasonal challenges, indoor ski resorts are exploring "ice and snow +" integration models, combining skiing with other entertainment options [7]. - Events play a significant role in driving consumer engagement, with facilities like Shanghai Yao Snow Ice World successfully hosting major competitions, leading to a 30% increase in local retail and dining revenues during events [7]. Future Outlook - The ice and snow economy is expected to maintain high growth momentum, transitioning from seasonal peaks to year-round prosperity, supported by ongoing policy backing and evolving consumer demands [8].

与此同时，欧洲投资界对人形机器人及具身智能领域的关注度明显上升。瑞银证券在11月10日当周的欧 盟市场调研中发现，欧洲投资者对中国科技与具身智能企业的兴趣较去年同期大幅增强，普遍认为该领 域蕴含结构性增长机会。尽管未来1-2年人形机器人业务尚难贡献显著利润，资本市场已开始提前布 局，关注产业链的长期潜力。 转自：新华财经 2025年12月1日，瑞银证券发布《Humanoid Robot Insight》报告，对全球人形机器人产业在11月的最新 进展进行全面分析。报告指出，行业在2026年实现量产目标的积极信号正逐步显现，以特斯拉、越疆为 代表的企业产能规划陆续落地，中国市场订单持续增长，欧洲投资者兴趣显著提升，具身智能订单的不 断落地与应用场景的扩展为行业注入新活力。 报告显示，全球人形机器人产业正迎来关键转折。在11月6日特斯拉股东年会上，埃隆·马斯克表示， Optimus人形机器人的生产线将快速扩大产能。公司计划首先在加州弗里蒙特建设产能达100万台的生产 线，随后在得克萨斯州奥斯汀市打造产能1000万台的产线，进一步推动规模化布局。 此外，曹操出行与越疆达成战略合作，越疆人形机器人入驻行业首个"绿色智能 ...

Core Viewpoint - Guangdong Bank emphasizes consumer rights protection as a fundamental aspect of its operations, integrating it into all business processes and customer service through innovative mechanisms, technology, and multi-party collaboration [1][2]. Group 1: Consumer Rights Protection Initiatives - Since 2025, Guangdong Bank has conducted over 10,000 financial education activities, reaching nearly 100 million consumers, focusing on themes like "investing wisely" and "safe payments" [1]. - The bank has established mediation workstations in cities and counties to explore diversified dispute resolution paths, including the creation of a financial dispute mediation committee in Zhuhai [1][4]. Group 2: Mechanism and Management - Guangdong Bank employs a matrix management system led by senior executives to ensure consumer rights protection is implemented effectively, transitioning from "soft constraints" to "hard implementation" [2]. - The bank integrates consumer rights protection into key meetings and emphasizes customer needs in product design and service processes, addressing common pain points like long wait times [2]. Group 3: Dispute Resolution and Service Improvement - The bank has developed a "five two" complaint management system to clarify responsibilities and improve response times for consumer complaints [4]. - By collaborating with social forces, Guangdong Bank has created platforms for diversified dispute resolution, bringing mediation services closer to the public [4]. Group 4: Financial Education and Awareness - Guangdong Bank integrates financial education into various life scenarios, making it more engaging and accessible, such as through interactive activities at popular tourist spots [6]. - Initiatives like "Little Bankers" allow children to learn about banking through role-playing, fostering an understanding of financial concepts in a fun environment [6][9]. Group 5: Technology and Risk Management - The bank is leveraging digital tools to enhance consumer rights protection, transitioning from manual to data-driven governance in dispute resolution [9]. - Guangdong Bank utilizes technology to raise awareness about financial risks, employing social media and mobile platforms to educate customers about potential scams [9]. Group 6: Collaborative Ecosystem for Consumer Protection - Guangdong Bank collaborates with various stakeholders, including law enforcement and educational institutions, to create a comprehensive consumer protection ecosystem [10]. - The bank's initiatives include community events that combine cultural elements with financial education, enhancing public engagement and awareness [10].

Core Insights - The article highlights the transformation of Zhecheng County in Henan Province, which has become a major hub for diamond production, particularly synthetic diamonds, despite its lack of natural resources [1][5]. Industry Overview - Zhecheng County produces over 90% of China's diamond powder and nearly half of the country's synthetic diamond output, with a total production of approximately 4.5 billion carats of diamond single crystals and 11 billion carats of diamond powder as of September 2023 [4]. - The county has registered 65 diamond retail stores and attracted over 600,000 tourists this year through its "diamond+" initiative, promoting industrial tourism [3]. Technological Advancements - The production of synthetic diamonds in Zhecheng utilizes advanced technology, with a process that takes 7 to 15 days under high temperature and pressure to create high-purity diamond crystals from graphite [3]. - Companies in Zhecheng are focusing on digitalization, green technology, and high-end manufacturing to enhance their competitive edge in the diamond industry [8]. Market Dynamics - The local diamond industry is adapting to changing market demands by exploring new applications for diamond products, such as in semiconductors and aerospace, while also emphasizing the importance of research and development [9][10]. - The price of synthetic diamonds in Zhecheng is significantly lower than that of natural diamonds, being only 1/5 to 1/10 of the price, making diamond jewelry more accessible to the general public [2][3]. Regulatory Environment - Zhecheng County has implemented various policies to support the diamond industry, including development plans and regulatory measures to protect the reputation of its diamond products [7][11]. - The local government is actively combating counterfeit products and ensuring consumer protection through enhanced enforcement actions against fraudulent practices [11].

图 12月4日，以"信用赋能品牌'新三化'"为主题的品牌信用建设论坛在海南博鳌举行，来自内蒙古自治区 的鄂托克旗乌兰牧骑为与会嘉宾带来了一场极具民族风情的文艺表演，以歌舞传递草原情谊，用艺术诠 释品牌文化的深厚内涵。 活动现场，鄂托克旗乌兰牧骑先后呈现了歌伴舞《鄂托克之恋》、马头琴独奏《万马奔腾》、女声独唱 《天堂》及呼麦《祭祀赞》四个精彩节目。悠扬的长调与激昂的马头琴交织，呼麦的深沉回响与独唱的 辽阔悠远相融，生动展现了鄂托克草原的自然之美与人文之韵。 图 为乌兰牧骑演员演绎歌伴舞《鄂托克之恋》 为乌兰牧骑演员以马头琴独奏《万马奔腾》 此次乌兰牧骑的表演，不仅为论坛增添了浓厚的文化氛围，也通过艺术形式展现了鄂托克旗将民族文化 与品牌建设相融合的发展理念。 据介绍，成立于1959年的鄂托克旗乌兰牧骑，是鄂尔多斯高原上第一支乌兰牧骑队伍，近年来创作了 《鄂尔多斯婚礼》等具有浓厚民族特色的作品，曾赴日本、埃及等国家及国内28个省、市、自治区演 出。（吴宇飞） ...

Core Insights - The forum held in Boao, Hainan, focused on brand credit construction, with a representative from Ordos City, Inner Mongolia, promoting the region's development practices based on ecological advantages and industrial growth [1][3]. Group 1: Ecological and Industrial Development - Ordos City has transformed its ecological advantages into development momentum, leveraging its 24.27 million acres of grassland, which is the largest and most biodiverse core grassland in western Inner Mongolia [3]. - The region has developed three key industries: cashmere, sheep, and spirulina, establishing a comprehensive quality assurance system from production to market [3]. - The local specialty, Albas goat meat, was recognized as a product under the China-EU Geographical Indications Agreement in March 2021, noted for its high protein and low-fat content [3]. Group 2: Cultural and Tourism Resources - Ordos City boasts rich cultural tourism resources, including natural attractions like the Dunhuang-Alzai Grottoes and the highest peak in the region, Uren Duxi [4]. - The region is known for its intangible cultural heritage, particularly the Ordos "Nair" culture, earning it the titles of "Hometown of Nair Culture" and "Hometown of Folklore" [4]. - The city offers diverse seasonal tourism experiences, with events like the traditional Nadam Fair in summer and winter ice festivals, creating a year-round tourism appeal [4][5]. Group 3: Tourism Infrastructure - Ordos City has developed four premium self-driving routes, supported by a grassland tourism circuit, allowing visitors to connect intimately with nature [5]. - The forum emphasized how ecological regions can convert natural resources into brand assets, providing a practical reference for high-quality regional development [5].

转自：新华财经 近年来，哈尔滨市道里区始终把优化营商环境作为推动经济高质量发展的生命线工程，系统谋划、全域 推进，在政务服务、行政审批、要素保障等关键领域推出一系列突破性举措，以打造市场化、法治化、 国际化一流营商环境为目标，构建起具有道里辨识度的营商环境创新服务体系，为民营经济高质量发展 筑牢基层支撑。 "六百行动"激活市场活力 哈尔滨市道里区创新开展优化营商环境"六百行动"，通过助企兴业"惠百策"、优化环境"减百程"、贴心 服务"走百企"、千方百计"答百问"、建言问计"献百言"、要素对接"联百姻"六大举措，全面激发经营主 体活力。 在"惠百策"方面，梳理四级惠企政策60项，兑现奖补资金1.03亿元，同时精简政务要件128个，压缩审 批时限共881天，切实为企业减负松绑。2023年开展"实体经济服务年"活动，在政务服务中心设立惠企 政策专区，打造"爱尚道里・乐购四季"消费品牌，培育14件地理标志产品，多维度激发市场活力。2022 年以来，道里区政务服务中心累计收件20.48万件，助力新设立企业3.18万家，中心获评首批新时代文明 实践省级示范点，收到表扬信166封、锦旗54面。 "减百程"行动则通过流程再造 ...

转自：新华财经 作为金融央企信托机构，光大兴陇信托有限责任公司（以下简称"光大兴陇信托"）"十四五"时期积极锚 定"共同富裕"这一时代命题，以"金融向善"为核心理念，立足自身使命担当深耕主业、做精专业，创新 探索信托赋能乡村振兴新范式，深度融入地方社会民生建设大局，聚焦公益慈善发展、地方特色产业培 育、基础设施完善、民生福祉提升等关键领域，全力为地方经济社会高质量发展注入信托力量。 乡村振兴：筑牢基础设施建设之基 基础设施是乡村振兴的"硬支撑"。全面推进乡村振兴，既要激活产业"引擎"，又要筑牢基建"基石"。 为深入贯彻"十四五"规划提出的"坚持农业农村优先发展、全面推进乡村振兴"，光大兴陇信托以服务特 色小镇建设为抓手，为浙江省第一批37个特色小镇之一——绍兴黄酒小镇的保护、修缮和提升以及区域 内的道路、管线、景观绿化等市政配套设施，提供了有效的资金支持。 特色小镇作为集聚自然、文化、创新资源的新载体，是承载大项目、好项目的新平台，也是浙江创新发 展的战略选择，更要协同各方力量，打通资源要素流通堵点，以资源整合释放金融服务潜能。 数据显示，截至2024年末，公司存续实体经济信托业务规模约4765.77亿元，占 ...

Core Insights - The Guangdong Provincial Government has recognized the outstanding performance of the International Business Department of CITIC Bank Guangzhou Branch in promoting the construction of the Guangdong-Hong Kong-Macao Greater Bay Area [1] - CITIC Bank Guangzhou Branch has developed an efficient and convenient cross-border payment system to facilitate the integration of the Greater Bay Area [1] Group 1 - CITIC Bank Guangzhou Branch's automated remittance product addresses the pain points of traditional cross-border remittance processes, reducing the time from T+1 to T+0, and in some cases to just a few minutes [1] - As of November 2025, the automation rate for incoming remittances at CITIC Bank Guangzhou Branch is expected to reach 32.7%, with approximately $30 billion processed through automated systems [1] - The bank has implemented high-level facilitation pilot policies to simplify foreign exchange payment procedures, significantly reducing the average processing time for a single payment from 2.5 hours to 8 minutes for a chemical company [1] Group 2 - CITIC Bank Guangzhou Branch aims to continue serving the real economy by deepening cooperation with UnionPay, clearing institutions, and peers to promote payment connectivity in the Greater Bay Area [2] - The bank is committed to contributing to high-quality regional economic development and supporting a new round of high-level opening-up [2]

转自：新华财经 此外，分行不断丰富涉农信贷增信方式。重点推进以涉农押品为抵质押的产品创新，先后推出"农村承 包土地经营权抵押贷款""农村集体经营性建设用地使用权抵押贷款""集体三资贷款"等特色贷款产品， 为盘活农村产权融资业务拓宽了渠道。今年7月，分行创新落地系统内首笔村组集体三资集建地贷款， 累计发放农村集体土地融资贷款超9亿元，发放林权抵押贷款、生猪活体抵押贷款等特色业务超1亿元。 新华财经：加强重点领域信贷资源投放力度是促进乡村产业提质升级、加力提速推进"百千万工程"的关 键抓手。在这方面，贵行如何通过重点领域、重大项目给予助力？ 朱斌晨：围绕"建设乡村的建设银行"目标，建行广东分行紧跟省委、省政府部署导向，在支持产业园转 移、发展新质生产力和乡村振兴对口帮扶等重点方面，持续发挥金融赋能作用。 今年是广东"百千万工程"实现"三年初见成效"之年，建行广东省分行行长朱斌晨说，该行深入贯彻落 实"百千万工程"的工作部署，积极履行社会责任，立足做"建设乡村的建设银行"，下一步，将持续发挥 自身优势，多措并举做好金融"五篇大文章"，不断加大对"百千万工程"的金融支持力度。 新华财经：在贵行赋能"百千万工程"、助力 ...