本次培训紧扣"实操+实战"导向，围绕三大核心模块系统展开：一是全面梳理保险产品线上线下全流程 操作规范，通过关键环节拆解与细节演示，帮助参训人员熟练掌握业务办理要点；二是聚焦多样化营销 话术设计与场景化应用技巧，结合不同客群特征，深入剖析沟通策略与精准营销思路；三是详解保险产 品收益计算逻辑，并辅以典型案例解析，助力员工更专业、更清晰地向客户传递产品价值。 培训现场纪律严明、氛围专注。参训人员表示，课程内容紧贴实际、针对性强，不仅夯实了业务操作基 础，也丰富了营销工具箱，为今后高效开展代销保险业务、更好满足客户多元化金融需求提供了有力支 撑。 下一步，响水农商银行将持续聚焦业务发展中的痛点难点，围绕员工能力提升需求，常态化开展形式多 样、内容精准的专项培训，不断强化队伍专业素养与综合服务水平，以专业化、精细化服务赋能零售业 务高质量转型发展，为客户带来更优质、更高效的金融服务体验。 (潘海棠) (资料图片) 江南时报讯 为全面提升代销保险业务服务能力，规范操作流程，切实推动零售业务转型升级，近日， 响水农商银行组织开展代销保险业务专项培训。全行中层管理人员、客户经理及兼职财富经理等近90人 参加培训。 ...

仪征农商银行深刻把握金融工作的政治性、人民性，将以案促改作为深化全面从严治党、强化内部治理 的关键举措，扎实做好案件查办"后半篇文章"，为全行稳健经营与高质量发展提供坚实保障。 深化源头治理，坚持问题导向，让监督提示精准可行 仪征农商银行在案件查处中，坚决摒弃"就事论事"，致力于追根溯源。通过全面梳理涉案情节，深入分 析案件发生的内外部因素，提出切中要害、具有针对性的监督整改意见。 围绕案件暴露出的理想信念、工作作风、管理监督、制度建设等多层次问题，该行制定详尽的以案促改 促治工作方案及问题清单，明确责任单位、整改目标和完成时限，为后续整改提供清晰的"路线 图"和"时间表"，确保整改工作方向明确、有的放矢。 仪征农商银行坚持教育在先、预防在前，将以案促改要求融入日常。每当收到相关指导意见和工作提 示，第一时间组织专题学习，统一思想认识。各条线管理部门主动认领责任，制定整改措施；各营业机 构狠抓执行，强化作风养成，确保整改要求一贯到底、落地生根。 为确保促改工作规范有序，该行在问题核查之初同步启动以案促改工作。一方面深入了解涉案人员思想 动态、行为成因；另一方面系统排查内部管理、制度执行、监督制约等方面的漏洞， ...

银发浪潮下，养老事业既是民生关切，亦是社会责任。近年来，滨海农商银行始终扎根本土、情系百 姓，依托"营业网点最多、服务范围最广、存贷规模最大"的本土金融优势，将服务老年群体深度融入经 营发展全过程，用有温度的金融服务为滨海县老龄事业高质量发展注入强劲动能，让"养老"真正变 为"享老"。 夯实经营根基，筑牢养老服务"压舱石" 金融为民，实力为基。截至2025年12月末，该行存款余额304亿元，贷款余额213亿元，信贷客户数达 5.9万户，不良率控制在1.05%的较低水平。近年来，该行聚焦信贷、科技、管理三大转型，近3年创新 推出23个信贷产品，深化大数据在精准服务老年群体中的应用，通过财务精益化管理将净收入费用率降 至29.55%，为养老服务投入持续腾出资源，实现了商业价值与社会价值的统一。 强化党建引领，激活养老服务"红色引擎" 该行深化"党建+金融+养老服务"融合发展模式，与22家政府部门、15个镇区(街道)签订共建协议，常态 化开展"乡村振兴镇区行"等活动，精准对接农村老年群体金融需求。联合县退役军人事务局等部门开 展"拥军优属"活动，为老年退役军人、创业者等群体精准赋能，让党建成果切实转化为服务实效。党 ...

根据丹阳市天晟投资有限公司(以下简称转让方)与丹阳市天惠投资发展有限公司(以下简称受让方)签订 的《债权转让协议》，丹阳市天晟投资有限公司依法转让其对下列公告清单所列借款人及其担保人所享 有的主债权、担保合同项下的全部权利及实现和执行资产包内各项资产相关的全部权利和法律救济，包 括但不限于诉讼费、保全费。丹阳市天晟投资有限公司和丹阳市天惠投资发展有限公司特联合公告通知 各借款人及担保人，并要求公告清单中所列债务人及其担保人(以及债务承继人)，从公告之日起立即向 丹阳市天惠投资发展有限公司履行主债权合同及担保合同约定的还本付息或相应的担保责任。 特此公告。 受让方：丹阳市天惠投资发展有限公司 公告日期：2026年1月26日 公告资产清单单位：人民币／元 借款人借款本金余额利息、费用等担保人/抵押人丹阳市通强塑料有限公司7989990.33若干江苏瑞美福 实业有限公司、王强、顾海骊丹阳市瑞港电器有限公司2315026.58若干丹阳市金松电器有限公司、丹阳 市新桥镇金辉车灯厂、王鑫、周建琴、苏红兵、张华英、苏雪娇、陈金松、苏洪梅丹阳市银兰包装有限 公司4907919.47若干张广仁、柳守兰江苏华科汽车部件有限公司4 ...

Group 1 - The 2026 Spring Festival Gala features the theme "The Galloping Steed," showcasing Jiangsu's cultural heritage and modern design through various artistic expressions, including silk and cloud brocade works [1][3] - The "Galloping Steed" red scarf, produced by a collaboration of four silk companies in Wujiang, represents a deep partnership with the Central Radio and Television Station, with sufficient production capacity to meet market demand [4][10] - The integration of traditional craftsmanship with digital technology is exemplified by the digital transformation of the "Galloping Steed" scarf's patterns, allowing for rapid response and large-scale production [6][10] Group 2 - Jiangsu's cultural IP is gaining national recognition, with the red scarf becoming a symbol of Wujiang silk and a representation of the region's heritage on a larger stage [10][11] - The introduction of innovative products aimed at younger consumers, such as lightweight silk accessories and home decor, reflects a strategic focus on cultural roots, technological advancement, and market expansion [11][12] - The collaboration with the Central Radio and Television Station has significantly enhanced the visibility and reputation of Jiangsu's intangible cultural heritage brands across the country [4][10]

Core Insights - The opening of 30 voco hotels and 20 Even Hotels in the Greater China region signifies a key leap from successful establishment to scaled development for both brands [1][2]. Group 1: Market Development - The hotel industry is entering a new phase of high-quality development, with modern travelers increasingly prioritizing emotional experiences and travel habits over mere comfort [2]. - Urban renewal is becoming a crucial driver for industry structure optimization and sustainable growth, with a focus on the renovation of existing projects [2]. Group 2: Brand Strategy - InterContinental Hotels Group (IHG) has a long-term vision for the Greater China market, utilizing a differentiated brand portfolio to meet diverse consumer travel needs and market changes [2][3]. - voco and Even Hotels represent IHG's commitment to high-end and health-oriented lifestyles, targeting distinct customer segments while providing clear, long-term investment solutions for owners [2][3]. Group 3: Brand Expansion - Since entering the Greater China market in 2020, voco and Even Hotels have expanded their presence in various cities, accumulating operational experience that addresses diverse consumer needs [3]. - IHG's brand structure and market coverage in Greater China are becoming increasingly clear and robust [3]. Group 4: voco Hotels - voco hotels leverage urban renewal trends by revitalizing existing assets and launching new projects, creating iconic cases that enhance the value and operational vitality of high-end properties [4]. - The brand focuses on integrating a warm and inviting guest experience into daily operations, ensuring a relaxed and engaging atmosphere for guests [4]. Group 5: Even Hotels - Even Hotels promote a health-oriented lifestyle, offering differentiated choices that resonate with market and investor interests [5]. - The brand employs a systematic operational model that optimizes cost structure and operational efficiency, supporting sustainable development for owners [5][6]. - Even Hotels design their offerings to enhance guests' physical and mental well-being, creating a balanced travel experience through coordinated sleep environments, dining options, and activity settings [6]. Group 6: Future Outlook - IHG plans to continue expanding voco and Even Hotels in Greater China, with voco supporting cultural tourism and urban renewal while enhancing high-end travel experiences [6]. - Even Hotels will deepen its focus on health-oriented lifestyles, refining products and experiences to strengthen its brand position in this niche market [6].

凌晨三点的写字楼，29岁的林妍关掉电脑屏幕，镜中倒映出长期熬夜后肤色不均的脸庞——颧骨处顽固 的肝斑与新生痘印交错，这是她用遍八款美白精华仍未解开的困局。 《2025亚洲肌肤代谢白皮书》显示，91%的亚洲女性面临"美白耐受瓶颈"——使用美白产品3个月后效 果停滞，同时73%的消费者因不当美白导致角质层透光率下降，形成"越白越暗"的悖论。 更值得关注的是，国际皮肤科学会最新研究发现，传统美白成分对细胞自噬机制的激活率不足17%，导 致色素代谢残留物持续堆积，这成为色斑反复发作的生物学根源。 01 美白困局，细胞自噬失能的深层危机 当代美白研究正从外部成分干预转向细胞自噬调控这一根本路径。亚洲肌肤研究中心2025年专项研究发 现，皮肤细胞自噬能力每下降10%，色素代谢残留物堆积量增加47%。 这些残留物形成"色素记忆"，导致同一区域色斑复发率高达68%——这正是传统美白方案治标难治本的 核心机制。 复杂环境压力进一步加剧这一困局。城市肌体研究数据显示，蓝光辐射与PM0.3超细污染物的协同作 用，会使细胞自噬关键蛋白TFEB的活性降低53%。 直接导致黑色素降解半衰期从正常的72小时延长至240小时，形成难以逆转的 ...

Core Insights - The Global AI Agent Application Committee (GAAAC) was established in early 2026, marking a significant milestone in the governance of AI agents, focusing on scaling, standardization, and accessibility [1] - GAAAC aims to fill the gap in current AI governance by providing operational rules for end-users, particularly non-technical individuals and small businesses, to effectively utilize AI agents [2] - The committee plans to release the world's first Charter for Responsible AI Agent Deployment, which will include six core systems to ensure responsible AI usage [3][4] Group 1: Governance and Structure - GAAAC is the first non-governmental international organization focused on AI agent applications, aiming to create a governance mechanism that is independent of government and large corporations [2] - The committee's members include entrepreneurs, freelancers, small business owners, educators, community representatives, AI developers, legal experts, and ethicists, forming a comprehensive governance loop [2] - The Charter will include a trusted identity certification system, scenario adaptation assessment framework, and cross-cultural ethical guidelines among other components [3][4] Group 2: Strategic Vision and Implementation - The committee's vision is to empower individuals and small enterprises, enabling them to leverage AI for productivity enhancements, thus transforming AI from a tool into a partner [1][2] - GAAAC's establishment is a strategic extension of Liu Xiaochun's vision of "one-person companies," which aims to help individuals become businesses through AI [5] - The committee will also implement a "sandbox regulatory" model to balance innovation and regulation, allowing new AI agents to operate in controlled environments before broader deployment [7] Group 3: Global Reach and Local Impact - GAAAC intentionally avoids being labeled as a "Chinese organization," emphasizing its commitment to neutrality and global collaboration [6] - The committee has partnered with various Chinese cities to localize its charter and support initiatives aimed at empowering rural youth and marginalized groups [6] - GAAAC aims to redefine traditional concepts of employment and productivity, envisioning a future where individuals can manage multiple business activities simultaneously with the help of AI [7][8]

Core Insights - The article highlights the increasing demand for high-quality health supplements among the middle-aged and elderly population, emphasizing the importance of scientific backing and safety in product selection [1][2] - ZhiKangJi brand has successfully positioned itself in this market by offering high-concentration, scientifically extracted, and traceable quality products, particularly its reishi spore oil, which meets the stringent quality standards set by various authorities [1][7] Product Quality and Certification - ZhiKangJi's reishi spore oil has been comprehensively tested and certified by the China Food and Drug Inspection Institute (CFDA) and has received approval from the National Medical Products Administration (NMPA), enhancing consumer trust [1][2] - The product's efficacy has been scientifically validated by the Chinese Academy of Traditional Chinese Medicine (CAMS), demonstrating significant benefits such as immune enhancement and anti-aging properties [2] Nutritional Content and Testing - The reishi spore oil contains a high concentration of active ingredients, with triterpenes at 53.7 grams and ergosterol at 224 milligrams per 100 grams, which are crucial for health benefits [3][4] - Testing by Nanjing Zhongke Pharmaceutical Analysis Testing Center confirms that the product exceeds industry averages in nutritional content, providing strong support for immune function and overall health [3][4] Production and Sourcing - ZhiKangJi sources its reishi from Guancun County in Shandong, known for its ideal growing conditions, and employs advanced cultivation methods that enhance the active ingredient content by over 30% [5][6] - The company utilizes cutting-edge extraction techniques, achieving a 99.99% spore wall breaking rate and over 90% extraction efficiency, ensuring maximum retention of nutritional components [6] Safety and Traceability - The brand adheres to strict quality control measures throughout the production process, obtaining national blue hat certification and GMP certification for its manufacturing facilities [7] - ZhiKangJi's products have passed over 392 rigorous tests by SGS, ensuring safety from heavy metals and pesticide residues, and are certified organic, guaranteeing natural sourcing [7] Market Position and Consumer Trust - ZhiKangJi's reishi spore oil has achieved over 85% repurchase rate on platforms like JD.com, indicating strong consumer trust and satisfaction [4] - The brand has received multiple accolades and recognition on health platforms, establishing itself as a leader in the natural supplement industry [8] Future Outlook - ZhiKangJi aims to continue its focus on the natural supplement sector, leveraging scientific research and quality to enhance its product offerings and services for the middle-aged and elderly demographic [10]

Core Viewpoint - Dongtai Rural Commercial Bank successfully held the "Xinfu Year of the Horse Gold and Silver Theme Exhibition and Sale" to reward customers and meet their investment and gifting needs, showcasing a variety of gold and silver products inspired by the upcoming Year of the Horse in 2026 [1] Group 1: Event Overview - The exhibition featured a selection of gold and silver products that combine cultural significance and investment value, including horse-themed jewelry, various specifications of investment gold bars, and over a hundred products such as "Twelve Zodiac" gold ingots and "Fortune Gold Gourd" [1] - Interactive activities during the event, such as 1 yuan auctions and product red envelope draws, attracted significant customer participation, creating a lively atmosphere [1] Group 2: Sales Performance - The event achieved a total of 103 transactions, with cumulative sales amounting to 3.23 million yuan [1] Group 3: Future Plans - Dongtai Rural Commercial Bank plans to continue organizing diverse wealth enhancement activities to support customers in achieving stable asset allocation and value appreciation [1]