当前，我国经济正处于转型升级关键阶段，小微企业作为国民经济的"毛细血管"，在稳定就业、推动创 新、激活市场活力等方面发挥着重要作用。然而，多数小微企业规模小、固定资产有限，难以跨越传统 信贷的准入门槛，担保费、评估费等额外费用也进一步加重了企业的融资负担；同时银行传统的信贷业 务环节多、流程长，难以匹配小微企业"短、小、频、急"的资金需求，"融资难、融资贵"始终是制约小 微企业发展的瓶颈问题。 叠加政策红利，降低企业融资成本 为让小微企业切实享受普惠金融红利，该行充分借助政府"担保费先收后返""1%贷款贴息"等政策，最 大限度降低企业综合融资成本，在担保公司直担业务中为小微企业提供了综合融资利率不足2%的低息 贷款，大幅减轻企业财务压力。 针对小微企业的融资痛点，中信银行济南分行结合自身产品优势与地方政府助企优惠政策，以"银政银 担协同"为突破口，创新推出"科创+担保"服务模式，以多方联动精准破题，为小微企业纾困解难： 未来，中信银行济南分行将进一步强化银行、政府、担保机构等多方协同，将政策红利转化为企业收 益，并不断完善业务流程、优化产品与服务，推动"科创+担保"等创新模式向更多行业、更多区域延 伸，为小微 ...

Core Viewpoint - The article highlights the efforts of China CITIC Bank's Jinan branch in enhancing financial services for universities during the back-to-school season through a "finance + education" ecosystem approach [1] Group 1: Payment Efficiency - The bank has upgraded its all-payment collection system to improve the efficiency of tuition fee collection, allowing payments to be processed in seconds through multiple channels such as WeChat, Alipay, and bank cards, addressing previous issues of system congestion and delayed transactions during peak payment periods [2] Group 2: Service Diversification - The bank is transitioning from a "single service" model to a "multi-ecosystem" approach by extending its service offerings to include comprehensive fund management for schools, wealth management and investment recommendations for faculty, and group insurance for students, positioning itself as a "comprehensive financial partner" for educational institutions [3] - Future plans include deepening collaboration with educational institutions in areas such as smart campus construction and fund management optimization, with tailored financial solutions aimed at supporting the stable and healthy development of educational organizations [3]

企查查APP显示，10月20日，小米之家商业有限公司郑州第九分公司发生工商变更，负责人由王腾变更为程光，当前王腾仍关联小米科技有限责任公司郑州 分公司负责人。 此前，媒体报道小米公司中国区市场部员工王腾，泄露公司机密信息，且存在利益冲突等严重违规违纪行为。根据相关制度规定，决定给予王腾辞退的处 分。 据悉，央广财经记者9月8日从小米集团内部人士处获悉，该公司发布内部邮件，决定辞退中国区市场部员工王腾。当日23:16，王腾在社交平台发文致 歉，"过去犯了一些错误，接受该有的代价。" 小米集团内部邮件显示，王腾因泄露公司机密信息，且存在利益冲突等严重违规违纪行为。依据《小米集团员工违规违纪行为处理办法》《小米集团诚信廉 洁守则》等制度，公司决定给予其辞退处分。 （齐鲁晚报·齐鲁壹点客户端编辑 张宝帆综合企查查、央广网） ...

这项研究于2025年10月13日发表在医学权威期刊《美国医学会杂志》（JAMA）上，作者是加州大学旧 金山分校的一支科研团队。研究人员追踪了超过6500名9至13岁青少年的社交媒体使用情况，并评估了 这些情况对多个认知功能的影响。 不同于看电视或视频等被动的屏幕时间，社交媒体使用是一种高度互动的活动——需要不断刷新、查看 通知、与他人互动。这种持续的认知参与使得社交媒体比单纯盯着屏幕看要耗费更多的心智资源。此前 的研究已表明，成瘾性的社交媒体使用模式与青少年心理健康问题的风险增加相关，但它对认知表现 ——即青少年思考、学习和处理信息能力的影响，仍不够清楚。 这项研究的数据来自美国的一项研究计划——"青少年大脑认知发展研究"（ABCD）。这是一项追踪近 12000名儿童从童年晚期到青春期的大规模纵向研究项目，由美国21个研究中心共同参与，旨在监测儿 童在成长过程中的大脑发育、认知能力和行为变化。 数据显示，平均每名青少年每天因非教育原因花费在观看各种电子屏幕的时间约为5个半小时，其中相 当大一部分时间都用在社交媒体上。他们不仅观看别人发布的内容，也创作自己的视频或文字。这种持 续的信息处理和决策需求使大脑长时间 ...

CBA Industry - The CBA company announced the schedule for the 2025-2026 season, with the opening game set for December 12, featuring Zhejiang Guangsha vs. Shanxi Fenjiu [2][3] - Shandong High-Speed Basketball's first match will be on December 13 against Beikong, with the first home game scheduled for the third round in Linyi against Sichuan Jin Cheng [2][4] - The regular season will consist of 42 rounds, a reduction of 4 rounds compared to the previous season, and will conclude on April 24, 2026 [3][4] WTA Industry - Wang Xiyu won her first-round match at the WTA 250 Guangzhou tournament, defeating British player Jones with a score of 6-4, 6-4, marking her second victory over a Top 75 player this season [24] - Wang Xiyu's victory took 1 hour and 58 minutes, and she will face the winner of the match between Pari and Kocharietso for a spot in the quarterfinals [24][25] AFC Champions League - Chengdu Rongcheng and Shanghai Haigang are set to compete in the AFC Champions League, with Chengdu currently holding 3 points and ranked 6th in the East Asia zone [8] - The match against Johor Darul Ta'zim is crucial for Chengdu to solidify their chances of advancing in the tournament [8] NBA Industry - The NBA 2025-2026 season will commence on October 22, featuring two opening games, including the Thunder vs. Rockets and Warriors vs. Lakers [10][12] - The Thunder, as the reigning champions, will receive their championship rings before starting their title defense [11]

Core Insights - The launch of the "National Good Car" by JD.com in collaboration with GAC Group and CATL has generated significant consumer and industry interest since its announcement [1] - Recent updates on the vehicle's specifications and features have been released, revealing advanced safety and performance metrics [3][5] Vehicle Specifications - The vehicle features a high-strength cage design with over 70% high-strength steel, leading to an 18% improvement in impact resistance [3] - It has a weight advantage of over 300 kg compared to similar models, with a wider wheelbase and tire width, enhancing grip [3] - The vehicle achieved a moose test score exceeding 75 km/h, indicating solid dynamic performance [3] User Engagement and Feedback - JD.com has launched an interactive page to gather user feedback on various aspects such as safety, performance, battery, service, price, and appearance, with nearly 300,000 participants so far [3] - The auction for the first vehicle, starting at a price of 1 yuan, has attracted over 25,000 reservations, creating anticipation around the final bidding price [6][7] Talent Acquisition - JD.com is actively recruiting for high-paying positions in its automotive division, with some roles offering salaries exceeding 1 million yuan, indicating a focus on building a strong team for the "National Good Car" launch and subsequent operations [5] Strategic Partnerships - JD.com has deepened strategic collaborations with Changan Automobile and CATL, focusing on comprehensive marketing, service networks, and battery aftermarket solutions [6] - The partnerships aim to transition JD.com from a sales platform to a comprehensive automotive lifecycle service ecosystem [6] Market Positioning - The "National Good Car" aims to meet consumer demand for high cost-performance vehicles while incorporating market feedback into its development [7] - The innovative approach and collaborative model among the three companies are expected to inject new vitality into the Chinese automotive market [7]

山东高速集团董梁沈新项目办工程技术部负责人张建亮称，董梁高速目前已建成董沈、新宁、宁梁三段，仅剩沈新段未建成。 齐鲁晚报·齐鲁壹点记者 王瑞超 临沂报道 10月21日，由山东高速集团投资、中铁十四局承建的董家口至梁山高速公路（以下简称董梁高速）沈海至新泰段关键控制性工程——上跨瓦日铁路立交桥完 成转体施工。 . All and the link a link of the leaders or some 作 A - S P - 1 作 ff IF I 店 uni TAT TO BE THE FERENT 打造手览工程 亚美联合工程 记者了解到，桥梁紧邻瓦日铁路营业线，桥体边缘距铁路栅栏最近处仅12.9米，安全管控与施工组织面临双重挑战。"为高效有序推进桥梁施工，项目统筹 谋划、强化施工组织，优化混凝土配合比与各工序施工工艺，创新采用国内第七代双侧双向抗滑拉索体系，延长斜拉索的使用寿命，有效保证桥体质 量。"山东高速集团董梁沈新项目跨瓦日铁路立交桥项目经理部总工程师王向建介绍，转体施工前，运用BIM技术构建三维模型，对转体全过程进行反复模 拟推演，精准预判每一个受力节点与姿态变化，转体过程中，依托北斗实时监控系 ...

Core Viewpoint - Water Development Group has made significant contributions to standardization in various sectors, enhancing the efficiency and safety of water management and energy utilization. Group 1: Water Management Standards - The "Design Specification for Water Power Engineering Cleaning Machines" (NB/T11320-2023) is the first specialized standard in China, addressing previous inconsistencies in design and high operational costs [6] - The "Water Yearbook Compilation and Printing Specification" implemented in 2021 provides a unified technical basis for hydrological data management [7] - The "Guidelines for Setting Management Signs in Water Engineering" serves as a visual guide for water engineering management, promoting safety and ecological protection [11] Group 2: Energy Standards - Water Development Group has led the development of 14 coal mine gas industry standards, covering design, acceptance, technology, and safety, with three new standards set to be implemented in 2024 [7] - The "Data Asset Security Compliance and Orderly Trading Circulation Guide" facilitates the market-oriented allocation of data elements, resulting in a significant data asset transaction worth 48.7257 million yuan [17] - The "Building Integrated Photovoltaic Application Technical Regulations" and "Guidelines for Water Surface Photovoltaic Power Station Construction" establish technical norms for integrating photovoltaic systems with buildings and fill gaps in domestic standards [17] Group 3: International Standards - Water Development Group has completed the world's first international standard for BIPV component recycling, ISO/TS 21480:2021, which outlines the technical pathways for component recycling [20] - The group currently has 527 standards, including 3 international standards, 70 national standards, and 22 industry standards, with 64 new standards planned for 2025 [20]

Core Viewpoint - The article highlights the dedication and innovative efforts of the "Water Guardians" service team at Shandong Yingcheng Water Co., which ensures water quality and safety for 80,000 villagers through rigorous monitoring and advanced technologies [1][3][5]. Group 1: Water Quality Monitoring - Water quality monitoring is emphasized as the first line of defense for water supply safety, with the service team conducting daily inspections at critical points such as reservoirs and pump stations [3]. - The team employs precise water quality control measures, achieving data accuracy to 0.001, showcasing their commitment to quality [3]. - Increased monitoring frequency during seasonal changes supports effective decision-making and water quality adjustments [3]. Group 2: Innovation and Efficiency - The service team consists of experienced members from various departments who focus on innovation and efficiency improvements [5]. - Techniques such as drone surveillance, sound detection for leaks, and dynamic water quality monitoring have led to annual cost savings of over 1 million yuan for the water plant [5]. - The implementation of several patented technologies demonstrates the team's commitment to continuous improvement [5]. Group 3: Service and Community Engagement - The service team adopts a meticulous approach to service delivery, ensuring precise management through a "one household, one file" system [7]. - A 24-hour emergency repair team utilizes IoT technology for rapid response to pipeline issues, ensuring minimal disruption [7]. - The team's adherence to a service standard that prioritizes urgent matters has resulted in a 100% satisfaction rate among rural water users [7].

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