重要新闻提示 3. "北京交通"微信公众号2月15日消息，当日，北京市发布2026年小客车指标配额和配置比例。2026年 北京市常规小客车指标配额为10万个，其中普通指标2万个，新能源指标8万个。家庭、个人和单位新能 源小客车指标于5月26日配置。另外，增发新能源指标8万个，其中面向家庭增发6万个，面向个人增发2 万个。 微信推出两项春节限定新功能 国投瑞银基金发布关于白银基金相关方案的公告，超九成投资者将获全额补偿 特锐德：公司在手订单充裕，产能利用率较高 财经新闻 1. "微信派"微信公众号2月15日消息，微信推出两项春节限定新功能：红包封面支持自定义"挂件"；公 众号留言可切换"金色"昵称。用户将微信更新至最新版本即可体验。 红包封面"挂件"功能，是今年春节期间，用户在微信发表贴图内容，就可以制作"挂件红包封面"。该功 能支持自定义祝福语或图片。 从2月15日起至2月17日（大年初一），用户在公众号留言时切换留言身份，其昵称将显示为金色，获 得"金色传说"视觉体验。 2. 2月15日晚间，国投瑞银基金管理有限公司公告称，受近期白银市场价格出现历史性极端行情影响， 为公平对待所有投资者，避免"先赎占优"， ...

中国证券报记者2月15日获悉，春节将至，数字人民币运营机构陆续推出了多样的数字人民币促消费红包发放、满减支付等活 动。进入数字人民币APP后，点击"新春用数币，马上有惊喜"栏目便可以查看活动详情。 图片来源：数字人民币APP 专家表示，数字人民币可加载智能合约，实现支付定制化，通过数字人民币运营管理中心建设的智能合约生态服务平台和智 能合约模板功能，持续提高消费补贴发放精准度，提升补贴资金使用效率，充分满足复杂场景和灵活定制的消费补贴政策需 求。 （文章来源：中国证券报） 值得一提的是，2月16日的数币节与今年除夕恰巧在同一天。高峰表示，通过"银行＋平台"生态联动，数币支付正成为撬动数 字消费、绿色消费、普惠消费的新引擎，让每月16日不仅是支付优惠日，更是服务民生、繁荣市场、提振消费的数字化新实 践。 招商银行则开展了"招好运币有礼"数字人民币主题惠民活动，以多重权益回馈广大用户，持续提升数字人民币服务体验。 招商银行数字人民币办公室主任陈曦介绍，活动期间，社会公众新开立招商银行数字人民币个人钱包，可获得专属消费红 包；同时，招行围绕民生刚需场景，上线生活缴费、咖啡茶饮、外卖、信用卡还款等多项场景立减优惠，并 ...

Core Insights - The article highlights the investment experiences of several ordinary fund investors in 2025, showcasing their strategies and outcomes in various market conditions. Group 1: Investment Strategies and Outcomes - Investor Xiao Li achieved an average annual return of 26% across all fund products, with a notable 40% return from gold-themed funds after thorough research and strategic timing [2][3] - Investor Xiao Fei successfully shifted from a high-tech index fund to a green energy index fund, preserving a 35% profit during market fluctuations, demonstrating the importance of timely decision-making and market observation [4][6] - Investor Hua Hua transitioned from a novice to a more disciplined investor, constructing a balanced portfolio with 60% in bond-enhanced funds, 30% in technology ETFs, and 10% in dividend ETFs, achieving stable returns and embracing a long-term investment philosophy [7] Group 2: Lessons Learned - Xiao Li emphasized the necessity of thorough research and understanding both sides of an investment before committing, planning to continue holding gold funds and diversifying into colored and technology growth funds in 2026 [3] - Xiao Fei's key takeaway was that investment requires not only vision but also patience and discipline, advocating for informed decision-making based on solid observation rather than impulsive actions [6] - Hua Hua's journey underscored that investment is not a gamble but a process of building knowledge and patience, leading to a steady path of wealth accumulation [7]

Group 1: Financial Support for Rural Enterprises - The People's Bank of China and other regulatory bodies issued an opinion to enhance financial support mechanisms for rural enterprises, aiming to help them utilize multi-level capital markets for financing [1] - The policy includes a "green channel" for companies registered in former poverty-stricken areas to facilitate their listing process [1] - Support will be provided for listed companies to raise funds through various means such as additional issuance, rights issues, and convertible bonds, focusing on local specialty industries and agricultural technology innovation [1] Group 2: Regulatory Actions on Major Platforms - The State Administration for Market Regulation held discussions with major platform companies including Alibaba, Douyin, Baidu, Tencent, JD.com, Meituan, and Taobao, emphasizing compliance with the Anti-Unfair Competition Law and promoting fair competition [2] - Companies were reminded to avoid "involution" competition and to foster a healthy market environment for platform economy innovation [2] Group 3: Company Collaborations and Developments - Huawei signed a cooperation agreement with Shandong Haohua Group to focus on digital transformation, AI applications, and smart mining, aiming for high-quality business development [4] - ByteDance launched the Doubao Model 2.0, which includes three general agent models and a code model, marking a significant upgrade in multi-modal understanding and enterprise-level capabilities [5] - Xiamen Rural Commercial Bank was fined 6.05 million yuan for governance and management violations, highlighting regulatory scrutiny in the banking sector [5] Group 4: Industry Insights and Trends - Open Source Securities reported that demand for domestic high-end luxury passenger vehicles is exceeding expectations, with a favorable competitive landscape suggesting potential growth for related listed companies [7] - Zhongyou Securities noted that major internet companies are intensifying competition in the AI sector, leading to increased traffic and pressure on backend infrastructure, indicating a growing demand for computing resources [7]

"很多游客为了有'仪式感'，会在景区拍古装照，大家之后也可以体验。"在故宫午门前，中青旅 （600138）国际旅游有限公司的导游闫雅蓉以一口流利的英语，向波兰游客介绍故宫附近常出现的汉服 等古装。 今年是闫雅蓉从事入境团导游工作的第29年。"每年的3月到11月是入境游旺季，最忙的时候一个月能带 四个团。12月至次年2月往往是入境游的淡季，但今年专程来中国感受'年味'的游客很多。"闫雅蓉告诉 中国证券报记者。 春节前后入境游"淡季走旺" "购在中国"选项多元化 "公司在过年期间也安排了入境游旅行团，游客除了游览北京以外，还会去西安、杭州、平遥等城市， 感受不同城市的春节民俗。"闫雅蓉表示。 闫雅蓉过年前的忙碌，正是春节前后入境游"淡季走旺"的缩影。 中青旅国际旅游有限公司相关负责人表示，2026年春节期间入境游预订量同比增长10%以上，客源国主 要为欧洲国家。2025年，公司入境游业务接待人数较2024年接近翻倍，客源地覆盖51个国家及地区，核 心客源地为波兰、日本、德国。 "我国单方面免签国家、互免签证国家数量增多，出入境便利化程度大大增加。同时，中国文化和自然 风景的独特魅力具备吸引力，新兴国潮元素日益受青 ...

Core Viewpoint - Manycore Tech Inc. (群核科技) is progressing towards its overseas listing in Hong Kong, with plans to issue up to 312 million shares [1][2] Group 1: Listing Details - The company plans to issue no more than 312 million ordinary shares for its overseas listing on the Hong Kong Stock Exchange [2] - The company must report any significant events to the China Securities Regulatory Commission (CSRC) from the issuance of the filing notice until the completion of the overseas listing [2] - If the company does not complete the overseas listing within 12 months from the issuance of the filing notice, it must update its filing materials to continue the process [2] Group 2: Company Background and Financials - Manycore Tech is a leading provider of spatial intelligence services, focusing on accelerating the integration of artificial intelligence into the physical world [3] - The company has developed a business model around spatial intelligence technologies, which includes spatial editing tools, spatial data, and spatial large models, applicable across various industries [3] - As of June 30, 2025, the company achieved a net profit of 17.83 million yuan, indicating a turnaround to profitability [3] Group 3: Use of IPO Proceeds - The net proceeds from the IPO will primarily be used for international expansion, enhancing existing product functionalities, launching new products, supporting domestic sales and marketing, and investing in core technologies and infrastructure [3]

Core Viewpoint - *ST Lifan has been found guilty of significant financial misconduct, including inflated revenue and costs over three consecutive years, leading to severe penalties and potential delisting from the stock exchange [1][4]. Group 1: Financial Misconduct - *ST Lifan inflated its revenue and costs through agency business, financing trade, and false trade, resulting in false disclosures in annual reports from 2021 to 2023 [2][4]. - In 2021, the company inflated its revenue by 280 million yuan, accounting for 50.09% of that year's revenue, and inflated costs by 277 million yuan, which was 60.61% of the total costs [2]. - In 2022, the inflated revenue was 312 million yuan, representing 51.67% of the annual revenue, and inflated costs were 305 million yuan, or 53.54% of total costs [2]. - In 2023, the inflated revenue was 45.87 million yuan, making up 24.00% of that year's revenue, and inflated costs were 45.23 million yuan, which was 27.55% of total costs [2]. Group 2: Regulatory Actions - The Anhui Securities Regulatory Bureau has ordered *ST Lifan to correct its practices, issued a warning, and imposed a fine of 10 million yuan [3]. - The company has received a notice from the Shenzhen Stock Exchange regarding the potential termination of its stock listing due to the significant financial misconduct [4]. - The company has been warned about the risk of delisting, as the inflated revenue over two years exceeded 500 million yuan, which is more than 50% of the reported annual revenue for those years [4][5]. Group 3: Audit and Accountability - The accounting firm Zhongxing Caiguanghua has been placed under investigation for its role in the financial misconduct, indicating a broader accountability for the auditing process [6]. - The company plans to change its auditing firm to Younit Zhenqing Certified Public Accountants for the 2025 financial report, moving away from Zhongxing Caiguanghua [7]. - The 2024 internal control report from Zhongxing Caiguanghua received a negative opinion, highlighting ongoing issues with the company's financial practices [8].

Core Viewpoint - The upcoming Spring Festival has prompted banks to launch special products for children's "lucky money," aiming to attract customers through higher deposit rates and additional benefits, thereby addressing their deposit acquisition pressures and enhancing brand recognition and customer loyalty [1]. Group 1: Bank Products - Beijing Bank has introduced a children's exclusive bank card called "Xiao Jing Card," offering a three-year fixed deposit rate of 1.75%, which is higher than the standard rate for the same term, with a minimum deposit of 1,000 yuan [2]. - Industrial and Commercial Bank of China (ICBC) has launched the "Baby Card" for children under 16, providing a three-year deposit rate of 1.55% for a 5,000 yuan deposit, along with waived card issuance and annual fees [3]. - Huaxia Bank's "Sunshine Growth Plan" offers a specialized savings service for minors, with a minimum deposit of only 50 yuan and an annual interest rate of 1.75% [4]. Group 2: Industry Insights - Industry experts view these children's financial products as a marketing strategy to alleviate deposit acquisition pressures and as a means to enhance customer loyalty through scenario-based finance [5]. - The competition in the banking sector is intensifying, and children's financial products are seen as a new growth point for deposits, allowing banks to bind family relationships and transition from simple savings to comprehensive services that include education and support [6]. - The strategic focus on children's financial services not only aims to secure current funds but also seeks to integrate financial literacy into family wealth management, creating a cross-generational customer value chain [6].

临近春节，不少小微经营者抢抓消费旺季、加紧筹备新春开工。近日，网商银行宣布，为缓解小微经营 者融资慢、融资难、融资贵的难题，在全国工商联指导下，将于2月17日正月初一启动2026年新春助微 行动，依托AI技术识别小微经营者开工真实状况，为其快速提供免息额度支持，助力全国小微经营者 稳开工、促发展。 然而，传统信贷模式下，审批环节多、周期长，且多依赖固定资产抵押，难以适配小微经营者"额度 小、用款急、频次高"的信贷需求，不少小微经营者因资金无法及时到位，只能推迟开工计划、缩减经 营规模，甚至错失新春消费旺季。网商银行此次启动新春助微行动，正是希望以AI科技、免息额度等 为突破口，切实为小微经营者纾困解难。 深耕普惠信贷、助力小微成长，一直是网商银行的目标与特色。据悉，自2020年以来，在金融管理部门 的支持下，全国工商联会同中国银行业协会及网商银行等一起发起"助微计划"，至今已有超120家金融 机构加入。6年来，从"无接触贷款"，支持小微经营者复工复产，到稳就业、振乡村、兴科创等，助微 计划的内涵不断升级。 中国社会科学院大学教授、金融研究中心原主任李永森表示，小微经营者的顺利开工与稳定营业，关联 着无数个家庭 ...

2023年11月9日、2023年11月13日、2023年11月20日，公司分别披露了《关于公司实际控制人、董事、 高级管理人员被采取强制措施的公告》《关于公司实际控制人、董事、高级管理人员被采取强制措施的 进展公告》《关于公司实际控制人、董事长兼总经理正常履职的公告》，公司实际控制人陈坚因涉嫌操 纵证券市场被公安机关采取指定居所监视居住措施，后被取保候审。 2025年前三季度净利润同比下滑 正元智慧2025年半年报显示，公司长期深耕教育信息化，是智慧校园整体解决方案提供商及综合服务运 营商。智慧校园充分运用新兴ICT技术，构建物联中台、数据中台、AI中台、支付中台、认证中台、协 同中台，推出"数字基座+场景应用"的产品体系，打造多技术融合、多主体协同、多场景应用的智慧校 园综合服务解决方案。 公司2025年三季报显示，2025年前三季度，正元智慧实现营业收入约7.68亿元，同比增长2.35%；实现 归属于上市公司股东的净利润约682.66万元，同比下降31.99%。 2月13日晚，正元智慧（300645）披露关于实际控制人诉讼事项的进展公告。公司实际控制人陈坚犯操 纵证券市场罪，被判处有期徒刑三年，缓刑三年六 ...