Core Insights - Citic Bank has announced support for binding its Visa credit and debit cards to Apple Pay, allowing cardholders to make payments anywhere Visa's "tap to pay" is accepted, both online and offline [1][4]. Group 1: Digital Financial Innovation - The integration of Apple Pay is part of Citic Bank's efforts to accelerate its digital transformation and enhance the convenience and competitiveness of its financial services [1]. - This initiative is seen as a significant step in promoting digital financial innovation and injecting new momentum into cross-border payment solutions for outbound customers [1]. Group 2: User Experience and Security - Apple Pay offers a simple, secure, and private payment method, allowing consumers to use it across various scenarios, including physical stores and online platforms [4]. - The setup process for adding Citic Bank's Visa cards to Apple Pay is straightforward, requiring users to follow prompts in the bank's app or the Wallet app on their iPhone [4]. - Security is a core feature of Apple Pay, as actual card numbers are not stored on devices or Apple servers; instead, a unique device account number is generated and securely stored [6]. Group 3: Customer Benefits and Market Trends - Cardholders can continue to enjoy the same rewards and benefits as with physical cards, including exclusive offers from Visa for first-time users and travel-related discounts [6]. - The demand for outbound travel among Chinese residents remains strong, with increasing booking volumes reported by major travel platforms, indicating a growing interest in international exploration [6]. - Citic Bank aims to strengthen relationships with global partners and expand overseas consumption scenarios to enhance user experience in digital finance [6].

物美自2025年3月启动调改以来，员工数量实现规模化增长，单店平均增幅超1.5倍，核心门店翻倍扩 容，截至2025年11月累计新增岗位超3000个，结合100家门店调改规划，预计总新增岗位达4000-6000 个，以"扩编+涨薪+福利升级"践行以人为本的调改战略，彻底打破"调改减员"误区。 一、调改的底层逻辑是"扩编提质"，而非"减员增效" 物美此次调改以"学习胖东来、升级AI新质零售"为核心，并非单纯的业态翻新，而是围绕"人、货、 场"的全链条升级。集团新闻发言人许丽娜明确表示，调改的核心突破是对"人"的价值重估，通过增加 人员配置、提升员工福利，构建"员工满意→服务提升→顾客复购"的正向循环，用人成本的合理增加将 通过长期业绩增长覆盖，扩编是调改战略的核心举措之一。 二、四大维度印证员工数量显著增加 1. 单店扩编力度空前，核心门店增幅超100% 调改后门店因新增现制熟食、烘焙、生鲜精细化服务等业态，及AI技术赋能后的服务升级需求，人员 配置大幅扩容，多家门店员工数量翻倍增长，具体案例如下： 北京学清路店（首家AI新质零售调改店）：调改前员工130名，调改后增至260名，增幅达100%，部分 报道提及按技 ...

Group 1: Financial Data Overview - In December, the total RMB loans increased by 16.27 trillion yuan for the year, with household loans rising by 441.7 billion yuan and corporate loans increasing by 15.47 trillion yuan [1][8] - The broad money supply (M2) reached 340.29 trillion yuan at the end of December, reflecting an 8.5% year-on-year growth [5] - The total social financing scale stock at the end of 2025 was 442.12 trillion yuan, showing an 8.3% year-on-year increase [2] Group 2: Loan Composition - By the end of 2025, the balance of RMB loans to the real economy was 268.4 trillion yuan, up 6.3% year-on-year, while foreign currency loans decreased by 18% [2][3] - The increase in RMB loans to the real economy for the year was 15.91 trillion yuan, which was a decrease of 1.13 trillion yuan compared to the previous year [4] - The corporate bond balance reached 34.24 trillion yuan, marking a 6% year-on-year increase [2] Group 3: Deposits and Currency - The total deposits in both RMB and foreign currencies reached 336.14 trillion yuan at the end of December, with RMB deposits increasing by 26.41 trillion yuan for the year [6][7] - The foreign currency deposit balance was 1.07 trillion USD at the end of December, reflecting a 25% year-on-year growth [7] - The net cash injection for the year was 1.31 trillion yuan [5] Group 4: Interest Rates and Market Activity - The average weighted interest rate for interbank RMB market lending was 1.36% in December, lower than the previous month and the same period last year [9] - The total transaction volume in the interbank RMB market reached 218.03 trillion yuan for the year, with daily average transactions increasing by 2.1% year-on-year [8]

据阿里介绍，此次升级将上线超400项AI办事功能，旨在让千问App成为全球首个能完成真实生活复杂任务的AI助 手，引领AI行业从"聊天对话"迈入"办事时代"。 长期以来，用户对大模型的感知大多停留在"屏幕内的数字闭环"：它可以写文章、做PPT、生成图片，但涉及现 实世界的交互时，常因缺乏执行工具而难以落地。而此次千问App的升级，彻底打破了这一局面。 发布会现场，千问C端事业群总裁吴嘉演示了AI外卖功能：仅通过一句语音指令"帮我点40杯霸王茶姬的伯牙绝 弦"，千问App便直接调用淘宝闪购服务完成下单，全程无需跳转，在端内直接通过AI支付完成交易。不久后，淘 宝闪购骑手便将奶茶送至会场。 1月15日，千问App宣布全面接入淘宝、支付宝、淘宝闪购、飞猪、高德等阿里生态业务，首次实现点外卖、买东 西、订机票等AI购物功能，并向所有用户开放测试。 只需对AI说一句"帮我点一杯奶茶"，就能完成过去需要多个步骤的点单流程。这样的便捷场景，已从想象变为现 实。 经实测发现，平日售价20元/杯的奶茶，通过千问App下单仅需1分钱。（注：为功能新上线价格，并非长期有效） 这一能力的背后，是千问与淘宝闪购、支付宝原生AI支付能力 ...

责任编辑：钟离 财经频道更多独家策划、专家专栏，免费查阅>> 央行副行长邹澜表示，央行还将继续加大流动性投放力度，灵活搭配，公开市场操作各项工具，保持流 动性充裕，引导隔夜利率在政策利率水平附近运行。 ...

1月15日，A股三大股指早盘小幅冲高后震荡走势，午后维持低位窄幅震荡走势收盘涨跌分化，其中沪 指跌0.33%报4112.6点，深成指涨0.41%报14306.73点，创业板指涨0.56%报3367.92点，科创50指数跌 0.46%报1493.95点；全市场成交额2.94万亿元，超3100股下跌。 盘面上，AI应用板块大回撤，智谱AI、Sora概念、Kimi概念及AIGC概念等方向领跌，天龙集团、博瑞 传播等多股跌停；商业航天、卫星互联网板块下挫，航天电子、中国卫通等多股跌停；AI制药、医药 商业板块走低，贝瑞基因、岩山科技等多股跌停；国资云概念、空间站概念及文化传媒等板块跌幅居 前。另外，电子化学品板块走高，上海新阳涨超16%；贵金属板块持续走强，四川黄金涨停；光刻机 （胶）板块活跃，东材科技等多股涨停；中芯概念、磷化工、电池及旅游酒店等板块涨幅居前。 热点板块 午后CPO概念震荡拉升，环旭电子涨停，罗博特科、源杰科技、中际旭创、联特科技、仕佳光子、新易 盛均涨超5%。 贵金属板块领涨，四川黄金涨停，赤峰黄金、湖南白银、招金黄金、山东黄金等跟涨。 消息面上，近日现货白银一度涨超7%，历史首次站上每盎司93美 ...

屈臣氏集团表示，计划今年新增约1000间店铺，并投资合共38亿港元于开设新店、升级店铺、增强零售 科技及供应链，进一步扩大全球业务网络及强化O+O平台。屈臣氏宣布正式为185周年揭幕，并回顾过 去一年表现，2025年集团健康产品类别录得8%增长，欧洲市场达双位数增幅；美容产品类别增长为 6%，亚洲市场同样录得双位数增幅。集团持续投资强化O+O平台，O+O销售录得双位数增长，反映顾 客倾向跨渠道购物。年内，全球会员人数新增1000万，由1.7亿增长至超过1.8亿。 ...

人力资源社会保障部、财政部对外发布关于进一步做好企业年金工作的意见，增强企业年金制度的包容 性、灵活性和便捷性，持续推动扩大覆盖范围，让更多职工享有企业年金。根据意见，各类企业、社会 团体、基金会、民办非企业单位以及其他符合条件的用人单位及其职工，可按规定建立企业年金。建立 程序方面，用人单位已建立职工代表大会制度的，企业年金方案提交职工代表大会讨论通过；未建立职 工代表大会制度的，企业年金方案可以经全体职工讨论、公示等其他民主程序通过。缴费比例方面，用 人单位及其职工可以在缴费限额内灵活选择缴费比例或额度。经济负担能力有限的，可以先从低缴费比 例或额度起步，再逐步提高。建立方式方面，用人单位可建立企业年金单一计划，也可选择参加法人受 托机构发起的企业年金集合计划。推动探索依托集合计划推行简易程序，为中小微企业建立企业年金提 供便利。此外，意见提出选择部分具备条件的园区（工业园、产业园、改革试验区、经济技术开发区、 科技创业园等）开展扩大企业年金覆盖面试点，加快建设全国企业年金信息平台和 数据库等举措。 ...

德才股份2连板！德才股份14：38再度涨停，背后逻辑揭晓 据交易所数据显示，德才股份连续两个交易 日涨停，晋级2连板。该股今日于14时38分封涨停，成交额4.52亿元，换手率8.78%。金融界App AI线索 挖掘：公司业务聚焦城市更新领域，相关项目占比提升，战略转型成效显现；公司实施股份回购计划， 向市场传递积极信号；行业层面，国家城市更新战略及相关政策支持，推动 建筑装饰板块关注度提 升，多重因素共同作用下，该股近期表现活跃。 风险提示：连板股波动剧烈，注意追高风险，理性投 资！（注：以上由AI基于交易所等公开数据生成，内容不构成投资建议。） ...

日经225指数收盘下跌230.73点，跌幅0.42%，报54110.50点。 ...