李先生在某网站看到一则关于"零风险""高回报"的产品广告，声称年化收益率高达20%。高收益诱惑 下，李先生立即通过广告上的联系方式与"广告发布人"方某取得了联系。方某随后向李先生发送了多个 所谓的"成功案例"，对投资项目进行了详细介绍，承诺项目"零风险"，并表示可随时查询自己的收益。 方某向李先生展示了自己的投资收益，并引导李先生下载了该APP。李先生随即转账2万元到方某指定 的账户。几天后，李先生查询自己的收益时，发现APP并没有显示收益，反复拨打方某电话，一直提示 对方已关机，才意识到自己被骗。 广发银行南京分行提醒您： 3.谨记金融投资必然伴随风险，坚决抵制"保本保收益""高收益无风险"等噱头诱惑。 2.加强金融知识学习，提高对非法集资、诈骗等非法活动的警惕和识别能力，选择正规的投资机构和渠 道，警惕各类社交平台的可疑推荐活动，谨防通过来源不明的网站下载APP或投资相关产品。 1.坚持理性投资，提高风险意识，选择与自身风险承受能力相匹配的投资项目。 ...

广发银行南京分行提醒您： 1.提高风险意识：面对校园贷，应充分认识到校园贷潜在的风险，包括利率风险、信用风险等。在借款 前，应对自己的还款能力进行合理评估，警惕低门槛和隐藏费用。 大二学生小王因日常开销超支，苦于无钱周转，一位微信备注名为"钱多多"的陌生人请求添加小王为好 友，"钱多多"告诉小王，自己可以帮助学生进行网贷。"钱多多"向小王推荐网贷公司的夏经理，夏经理 对小王身份进行了"审核"，并以周息30%的高额利息，先后向小王发放了"贷款"共计3万元。小王"上 钩"后，夏经理又以"催债"为由，迫使小王接新债还旧债，短短三个月，小王的"贷款"总金额便以滚雪 球方式迅速增长至6万元。期间，还有不少不明身份人员到小王所在高校，以张贴"悬赏"告示等方式， 对小王进行讨债，甚至直接到小王寝室搜寻其下落，不仅让小王终日处于担惊受怕状态，还严重扰乱了 高校师生的正常学习生活秩序。小王遂向警方求助。 大学生应树立理性消费观，适度消费！ 2.合理规划消费：应制定明确的消费计划，树立正确消费观。同时，根据自己的实际需求和经济能力来 制定消费计划，避免盲目追求高档商品和奢侈生活。还款计划应根据自己的还款能力和借款金额来制 定，确 ...

Group 1 - The article highlights a case of investment fraud targeting elderly individuals, where a con artist builds trust with the victim before persuading them to invest in a non-existent senior living project [1] - The victim, referred to as "Old Li," invested 100,000 yuan but later discovered that the promised construction of the senior living facility was never initiated, and the con artist disappeared [1] Group 2 - A warning from Guangfa Bank's Nanjing branch outlines four key checks for potential investors: legality of the business, content of promotional materials, authenticity of the business model, and focus on elderly care services [2] - The bank advises potential investors to think critically about their understanding of the product, market conditions, and their own financial resilience before making investment decisions [2] - The bank emphasizes the importance of taking time to consult with family and friends before engaging in investment opportunities, especially those that seem too good to be true [2]

广发银行南京分行提醒您： 4.免费WiFi易泄露隐私：使用无线WiFi登录网银或者支付宝时，可以通过专门的APP客户端访问。为了 保护自己的个人信息，最好把WiFi连接设置为手动。 1.妥善处置包含个人信息的单据：对于已经废弃包含个人信息的资料，例如快递单、车票、购物小票等 一定要妥善处理好。 2.身份证复印件上要写明用途：在提供身份证复印件时，要在含有身份信息区域注明"本复印件仅供XX 用于XX用途，他用无效"和日期。复印完成后要清除复印机缓存。 小张接到法院的来电，通知其因50万元银行贷款逾期未还被起诉，需立即应诉，小张坚称从未办理过该 贷款。在庭审中，小张发现自己因参与商场"办卡送礼"活动时，被不法分子利用活动流程非法采集人脸 信息、身份证及手机号等敏感数据，由此遭遇"被贷款"。经查证，犯罪团伙通过掌握的个人信息，冒用 小张身份办理信用贷款并转移资金。 3.慎重参加网上调查活动：参与此类活动前，要选择信誉可靠的网站认真核验对方的真实情况，不要贸 然填写导致个人信息泄露。 风险小贴士：保护个人信息安全，就是保护钱袋子！ ...

Group 1 - The article highlights a scam targeting individuals with disabilities, where a fake employment opportunity was presented, leading to financial loss for the victim [1] - The scam involved a request for a training fee and a job guarantee deposit, which were promised to be refunded upon employment, but the victim was later rejected and the scammer disappeared [1] Group 2 - The bank provides several recommendations to avoid such scams, including verifying the legitimacy of the recruiting organization through official channels [2] - It emphasizes that legitimate companies do not charge fees for job placements, and any job requiring payment should be considered a scam [2] - The bank advises individuals to protect their personal information and be cautious of high-paying job offers that seem too good to be true [2] - In case of encountering a scam, it is recommended to retain evidence such as chat records and transaction receipts, and to report the incident to the authorities [3]

为得到全体债权人的认可，在投资人提交了关于重整投资的承诺函后，在法院的指导下，管理人拟定重 整计划草案，并与奔牛镇政府共同研究，三易其稿，最终确定草案。依据重整计划草案，大江公司的抵 押债权100%清偿，税收债权100%清偿，普通债权清偿比例为17%。最终选定股权转让模式即存续式破 产重整，使得大江公司在主体延续的同时，企业的优质资产和具有重整价值的资源予以保留在企业，保 留原企业的主体资格，通过引入战略投资人，免除超额债务。这不仅有助于减轻企业的负担，还能使资 源得到更有效的配置，促进企业的长期发展。 从生产线全面停工，到机器轰鸣、订单回流，常州大江饲料有限公司在经历4个月的生死博弈后重获新 生。这家拥有33年历史的老牌企业曾因2亿元债务濒临破产，但在常州新北区法院、属地奔牛镇政府及 专业机构的协同救治下，不仅化解了1.6亿元债务，更实现职工零下岗、各项工作稳中有进的发展势 头。这场"府院联动"与大数据赋能的破产重整实践，成为全国优化营商环境的"常州样本"。 常州法院创新破产重整机制，为企业提供司法保障 2亿债务压顶，老牌名企命悬一线 成立于1992年的常州大江饲料有限公司，曾是常州农业领域的金字招牌。"常 ...

Core Insights - The "subsidy war" in the food delivery industry is losing momentum, leading to a more rational consumer choice and a shift in market competition logic [1][6] - The market is now characterized by a "three-way split," with 34.2% of consumers choosing Taobao Shanguo, 33.5% opting for JD Delivery, and 28.9% selecting Meituan, indicating a balanced market structure [1][3] Market Dynamics - Historically, the food delivery market exhibited a "strong vs. weak" competition, with Meituan dominating due to early user accumulation, while Ele.me struggled to close the market share gap [3] - The end of the subsidy war has shifted competition from "price wars" to "value competition," providing opportunities for new entrants like JD Delivery to establish a foothold [3][6] - JD Delivery has focused on "differentiated competition," leading the quality food delivery segment with a 35.6% future order expectation share, appealing to 26.8% of "value-driven users" who prioritize delivery efficiency and food quality [3][8] Consumer Preferences - Consumer demands for "quality food delivery" have evolved beyond taste to include safety, compliance, and transparency, with trust in merchants becoming a key differentiator [4][6] - Key factors distinguishing "quality food delivery" from regular options include "physical store assurance" (12.5%), "complete qualifications" (11.8%), and "regular hygiene checks" (10.9%) [4] Industry Trends - As consumer expectations for quality rise, the food delivery industry is transitioning from "extensive growth" to "high-quality development," focusing on service upgrades and food safety [6][14] - The shift in consumer behavior due to the subsidy war has led to increased app usage, with Meituan's daily app usage growth at 16.66% in April, followed by JD's 23.87% in May, indicating a reshuffling of market dynamics [10][12] Competitive Landscape - The competition is now defined by the platforms' comprehensive capabilities, with JD and Taobao showing stronger cross-category purchasing tendencies compared to Meituan [12][14] - The cycle of "ordering-cross-buying-retention" reinforces high-frequency consumption and creates synergies with other product categories, marking a shift from "subsidy internal competition" to "value competition" [14]

Core Insights - The event marked the launch of the CITIC Bank "Xiaotianyuan" enterprise ecological service platform in Jiangsu, aimed at enhancing digital transformation for enterprises and improving financial management capabilities [1][4] - The platform integrates digital services and innovative financial solutions, covering various operational aspects such as personnel payroll, financial accounting, and supply chain management [4] - The launch aligns with national strategies for digital finance and technology finance, aiming to lower the barriers for enterprises in digital transformation and reduce costs associated with software procurement and maintenance [4] Group 1 - The "Xiaotianyuan" platform is designed to eliminate data silos and enhance comprehensive operational and risk management capabilities for enterprises [4] - The event featured discussions on the future paths of enterprise digital transformation and showcased successful collaborations between CITIC Bank and various enterprises [4] - Experts from Ernst & Young provided insights on managing tax risks under the new tax regulations, offering professional support for enterprises to seize opportunities [4] Group 2 - The successful launch of the platform signifies CITIC Bank's commitment to supporting the digital capabilities of small and medium-sized enterprises in Jiangsu [4] - The initiative aims to inject new vitality and momentum into the high-quality economic development of the Jiangsu region through financial technology [4] - The "digital + finance + ecology" service model is expected to facilitate a leap in digital transformation for SMEs amidst the ongoing digital wave [4]

聚焦政治工作引领，把稳思想建设"定盘星"。近年来，泰州农商银行以加强党的政治建设为统领，以落 实联合银行党委"3741"战略目标为重点，结合"1456"理论学习体系建设，定期通过专题研讨、集中培训 等多种学习方式，学习贯彻党的理论和路线方针政策，深入学习贯彻习近平总书记关于金融工作的重要 论述，坚定不移推动全行党建全面进步。在此期间，该行通过修订章程，进一步明确党委前置研究重大 事项规定，把加强党的领导和完善公司治理统一起来，充分发挥党委把方向、管大局、保落实的领导作 用，使党组织开展工作有法可依、有章可循。 深耕业务经营发展，打造拓宽市场"新样板"。近年来，泰州农商银行持续推动做小做散体系化建设，结 合泰州主城区城乡融合特点，立足本土深耕网格，深入社区、商户、企业园区等各个角落，针对不同企 业类型，分类施策提供差异化服务，通过拓宽服务覆盖面，增加客户触达率，扎实做好整村（企、园、 圈）授信等基础工作，推动"网格化+大数据+铁脚板"展业模式真正落地做实，助力辖区内企业渡过经 营难关，实现稳健发展。该行坚持"以客户为中心"的服务理念，深入基层调研，精准掌握客户金融需 求，通过"理念+产品+实践"的培训模式，推出 ...

为切实提升社会公众金融素养，有效防范化解金融风险，在监管部门的统一部署下，泰兴农商银行紧紧 围绕"保障金融权益 助力美好生活"的核心主题，精心组织开展了2025年"金融教育宣传周"活动，取得 显著成效。 点亮电子屏窗，营造全域宣传氛围。活动期间，全行所有营业网点的LED电子门楣屏统一滚动播放宣传 标语。同时，网点内的海报屏、液晶电视等设备高频次循环播放本次活动的电子海报及金融知识科普短 片，内容涵盖防范电信诈骗、识别非法金融广告、保护个人信息安全等，营造浓厚宣传氛围。 该行依托"小圆服务队"这一特色服务品牌，持续推动"我为群众办实事"实践活动走深走实。宣传周期 间，服务队在做好常规宣讲的同时，重点关注特殊客群的金融需求，为行动不便的老年客户、残障人士 等提供预约上门服务。队员们在办理业务之余，耐心为他们讲解防范养老诈骗、安全使用移动支付等知 识，将金融关怀送到家门口，切实解决他们的实际困难，传递泰兴农商银行的温度与担当。 制作新媒体内容，提升宣传渗透力度。充分发挥新媒体平台作用，在微信公众号连续推送防范非法中 介、养老诈骗等专题图文和风险提示，并精心制作"金融知识微课堂"系列短视频，以生动的情景剧形式 讲解诈 ...