浙江住户人均存款处于领先地位。截至2025年12月末，浙江省住户存款余额11.85万亿元，同比增长近 10%。按2025年公示数据——常住人口6670万人估算，住户人均存款达到17.77万元。 另外，江苏省人均存款也较高。2025年年末，江苏省住户存款余额13.3万亿元，同比增长11.48%，人均 存款达15.6万元。 中经记者 慈玉鹏 北京报道 继央行之后，多个省份公布2025年金融数据。《中国经营报》记者注意到，目前浙江、江苏两地人均存 款已均超15万元。 全国人均存款逼近12万元 央行数据显示，2025年住户存款增加14.64万亿元。截至2025年12月末，住户存款总额达到167.04万亿 元。国家统计局数据显示，2025年全国人口总量为140489万人，以此计算，住户人均存款达到11.89万 元，接近12万元。 继央行后，天津、河北、吉林、江苏、浙江、安徽、广东等多个省份相继披露2025年金融数据情况。 例如，2026年1月22日，重庆市公布相关数据显示，2025年12月末，住户部门存款比11月增加640.1亿 元，达到35239.5亿元，人均存款达到11.05万元。 未来居民存款是否会延续增长态势？ ...

在政策引导与市场趋势的双重推动下，金融促消费的发力方向也日益清晰。上海金融与发展实验室副主 任、招联首席研究员董希淼接受《中国经营报》记者采访时指出，金融机构大力发展数字消费金融，构 建更精准的用户画像，减少过度授信和多头借贷行为，有序压降利率和费率，加强消费者合法权益保 护。金融管理部门推动在食、住、行、游、购、娱、医等场景畅通"卡、码、币"支付渠道，继续提升支 付便利度。 中经记者 郝亚娟 夏欣 上海、北京报道 岁末新春消费旺季叠加政策红利，全国消费市场持续升温。 为实现精准促消费，各家银行着力打造"全场景覆盖"的消费支持体系：一方面，涵盖购物、餐饮、出 行、文旅、冰雪等多元场景，兼顾传统高频消费；另一方面，针对消费信贷推出利率优惠、审批提速、 额度提升等服务，降低居民消费成本，提升消费意愿。 值得一提的是，财政部、中国人民银行、金融监管总局发布《关于优化实施个人消费贷款财政贴息政策 有关事项的通知》指出，将个人消费贷款财政贴息政策实施期限延长至2026年年底。 《中共中央关于制定国民经济和社会发展第十五个五年规划的建议》将拉动内需明确为"十五五"时期推 动经济增长的关键抓手，提出促进形成更多由内需主导、 ...

Group 1 - The core finding of Tencent's 2025 anti-fraud investigation revealed over 70 cases of misconduct, resulting in the dismissal of more than 90 employees, with over 20 individuals referred to law enforcement for criminal charges [1][2] - Misconduct primarily involved embezzlement and commercial bribery, affecting key business units such as IEG, CSIG, and PCG, with four embezzlement cases already resulting in court sentences ranging from five months to three years [1] - Tencent has integrated AI technology as a central tool in its anti-corruption framework, utilizing dynamic risk models for proactive alerts in critical areas like partner onboarding and bidding processes [1][2] Group 2 - The company has developed an AI analysis tool to systematically identify risk points in contract management and expense reimbursement, enhancing the accuracy of its monitoring models [2] - Tencent emphasizes a strict policy of termination for violations of its internal regulations, with a commitment to never rehire dismissed employees and blacklisting involved external companies [2] - The company is dedicated to cooperating with judicial authorities to ensure legal accountability for those suspected of criminal activities [2]

Core Insights - Hitachi Elevators aims to evolve from an "equipment supplier" to a "city service provider" by integrating cutting-edge technologies like AI into its services, contributing to the development of smart cities globally [1] Group 1: AI Integration and Safety Features - Hitachi has launched a new generation of smart elevators, NCA, which incorporates five core technologies, enhancing user experience and safety while increasing peak transport capacity by 50% and reducing average waiting time by 22% [1] - An AI camera developed by Hitachi ensures passenger safety by keeping the elevator doors open when it detects someone approaching, and a remote monitoring system allows for preventive maintenance based on data analysis [2] Group 2: Smart Building Solutions - The "14th Five-Year Plan" emphasizes the construction of safe, comfortable, green, and smart buildings, marking a shift towards quality improvement in housing [3] - Hitachi's comprehensive smart building solution, "HMAX for Building," integrates data access and deep AI analysis, transforming buildings into "smart living entities" and enhancing operational efficiency through various modules [3] Group 3: Future Expansion and Collaboration - Hitachi plans to leverage the "Belt and Road" initiative to expand its smart building solutions internationally, collaborating with Chinese partners and utilizing the global network of the Hitachi Group [4]

Group 1 - Hisense is accelerating its presence in the high-end television market with its RGB-Mini LED technology, which is gaining significant market share [1][2] - The RGB-Mini LED technology offers advantages over QD-Mini LED, including a 40% energy saving in daily use and a 42% reduction in harmful blue light, enhancing eye protection and color accuracy [1] - Hisense's overall market share in the RGB-Mini LED television sector reached 95.67% according to data from Aowei Cloud Network [2] Group 2 - The shift towards colored light sources is seen as the next generation of display technology, with laser TVs, Micro LED, and RGB-Mini LED being key developments [1] - The integration of innovation by companies like Hisense signifies that the Chinese display industry is moving beyond a follower role, leveraging its full industry chain advantages [2]

据介绍，i-HEV智能双擎融合了全球最好的动力系统和全球领先的三电技术，也是全球首个应用"AI云 动力"的油电混动系统，可将HEV车型的百公里油耗降低至3L。配合吉利自研的智能电驱，整车功率将 比主流HEV提升至少20%，并让燃油车也拥有十足电感。 另据了解，2026年每个季度，吉利都将推出1—2款全新产品，全面覆盖从主流到豪华，从燃油到新能 源、醇氢各细分市场，全力冲击345万辆的年度销量目标。（中经记者 石英婧 上海报道） 【吉利上半年将发布i-HEV智能双擎 并推4—5款新车 】《中国经营报》记者了解到，吉利汽车集团 CEO淦家阅日前公开透露，在全域AI2.0与全域安全2.0体系赋能下，吉利将在2026年上半年推出超越"日 系混动"的全球新一代油电混动技术——i-HEV智能双擎，并陆续推出4到5款新车型。#吉利汽车[超话]# ...

Core Viewpoint - The article emphasizes the importance of cultivating a long-term capital ecosystem led by "patient capital" to support youth innovation in Beijing, aligning with the city's goal of becoming a national technology innovation center [1][2]. Group 1: Policy Framework and Long-term Capital Ecosystem - Beijing has implemented measures to establish a growth mechanism for future industry investments, laying a solid policy foundation for the development of patient capital [1][2]. - The city aims to optimize capital empowerment mechanisms and foster a long-term investment culture to unleash the potential of youth innovation [2]. Group 2: Mechanisms for Supporting Youth Innovation - A proposed mechanism includes the introduction of guidelines for government-led funds to participate in venture agreements, focusing on long-term investments in six key future industries [3]. - The suggestion includes eliminating short-term performance metrics in fund assessments and providing management fee subsidies for projects with investment periods exceeding five years [3]. Group 3: Investment Culture Transformation - The article advocates for a shift in investment logic from a financial-focused approach to a strategic cultivation model, encouraging funds to adopt milestone-based agreements linked to technological breakthroughs [4]. - It suggests that companies signing agreements without buyback or forced exit clauses should receive positive incentives during IPO reviews [4]. Group 4: Risks Associated with Venture Agreements - The article identifies hidden risks associated with venture agreements, including compliance risks, liquidity pressures, control risks, and insufficient policy alignment, which hinder the IPO process for youth innovation companies [5]. - It highlights that over 30% of companies in review may retain exit paths through hidden mechanisms despite appearing to terminate venture clauses [5]. Group 5: Recommendations for Risk Management - Recommendations include the accounting profession initiating a "compliance health support plan" for startups, providing comprehensive professional support to manage venture agreement risks [6]. - Suggested actions involve developing a liquidity warning system, conducting health checks on venture agreements, and offering training programs to strengthen compliance foundations for youth entrepreneurs [6].

Core Viewpoint - Shenzhen Yuanxin Energy Storage Technology Co., Ltd. has submitted an IPO application to the Hong Kong Stock Exchange, showcasing rapid growth in its energy storage system sales and integrated solutions, while facing challenges such as low capacity utilization and customer concentration [1][3]. Group 1: Company Overview - Yuanxin Energy Storage, established in July 2019, is a global provider of integrated energy storage system (ESS) solutions, focusing on full lifecycle solutions for global energy storage assets [2]. - The company is led by co-founders Wang Yu and Zhang Jiajing, who have extensive experience in the clean energy sector [2]. Group 2: Financial Performance - The company reported revenues of approximately 435 million yuan, 1.144 billion yuan, and 881 million yuan for 2023, 2024, and the first three quarters of 2025, respectively, with profits of 40.74 million yuan, 96.27 million yuan, and 70.89 million yuan during the same periods [3]. - Revenue and profit growth rates for 2023 and 2024 were 163% and 136%, respectively, while the first three quarters of 2025 saw a staggering 610% revenue increase and a 44% profit increase year-on-year [3]. Group 3: Business Strategy and Market Trends - The company has shifted its focus from energy storage system product sales, which accounted for 86.5% and 57.8% of revenue in 2023 and 2024, to integrated energy storage system solutions, which accounted for 92.7% of revenue by September 2025 [3]. - The average selling price of integrated energy storage solutions decreased from 1.26 yuan/Wh to 0.44 yuan/Wh between 2023 and September 2025, attributed to lower raw material costs and increased competition [4]. Group 4: Customer Concentration and Risks - In 2023, 2024, and the first three quarters of 2025, revenue from the top five customers accounted for 53.6%, 81.6%, and 80.8% of total revenue, with the largest customer’s revenue share increasing from 11.8% to 40.7% [6]. - The company has experienced frequent changes in its top customers, raising concerns about customer stability and potential risks to business performance [6][7]. Group 5: Supply Chain Dynamics - A significant supplier, located in Fujian, is also a customer of Yuanxin Energy Storage, creating a dual relationship where the company sells battery modules to and purchases battery cells from this supplier [8]. - The company’s market presence is primarily domestic, with overseas market expansion still in its early stages, contributing only about 1% of revenue from overseas markets by the first three quarters of 2025 [8]. Group 6: Future Plans - The proceeds from the IPO will be used to enhance technological capabilities, expand overseas business, and upgrade existing production facilities [8].

根据通报，舞弊行为主要集中在职务侵占与商业贿赂两大领域，涉及腾讯的IEG（互动娱乐事业群）、 CSIG（云与智慧产业事业群）、PCG（平台与内容事业群）等多个核心业务部门及子公司。其中4起职 务侵占案件已获法院判决，刑期从拘役五个月至有期徒刑三年不等。微信支付、在线视频、广告营销等 业务线亦有员工因收受好处费被查处。 （文章来源：中国经营报） 1月23日，腾讯通报2025年度反舞弊调查结果，全年共查处触犯"腾讯高压线"案件70余起，90余名员工 被解聘，其中20余人因涉嫌犯罪被移送公安机关，30余名外部涉案人员同期被查。值得关注的是，AI 技术已成为腾讯反腐体系中的核心工具，通过动态风险模型在合作伙伴准入、招投标等关键环节实现主 动预警。 腾讯在通报中表示，通过自建AI分析工具系统化梳理风险点，在合同管理、费用报销等环节构建动态 监控模型。通过持续的案件反馈，腾讯不断提升模型的准确度和深化探索AI与大数据分析技术在舞弊 线索主动挖掘中的应用。"这一系列实践不仅帮助我们更及时发现潜在风险和完善内控机制，也在一定 程度上减少了舞弊案件的发生，加强了对公司和员工的保护。" 另外，腾讯方面强调，对于触犯"腾讯高压线" ...

据悉，本次合作得到了天津各级政府的支持，随着首笔资金落位，央地合作的又一次重要样本顺利落 地。（中经记者 吴静 卢志坤 北京报道） #融创中信合作将重启天津梅江地块#【融创与中信深化融资合作 重启天津梅江地块】近日，融创中国 与中信双方宣布进一步深化融资合作，重启天津梅江地块，在既有合作基础上再添新作。 据了解，梅江地块拥有得天独厚的资源，是天津公认的高端居住核心区，周边坐拥260万平方米的梅江 公园生态绿肺和众多城市地标，配套成熟，居住氛围浓厚。近年来，世界智能大会、世界达沃斯论坛、 上合组织峰会等国际盛会相继落地。 基于对优质资产的共同认可，双方决定协同资源合力推进。中信旗下中信金融资产、中信信托、中信银 行将为项目提供全周期的资金支持及金融服务，中信城开、中信实业将为项目提供专业的咨询服务，中 信建设则将为项目提供国际级总包建设服务与品质保证。 ...