圣诞、元旦"双旦"佳节来临，亲友们围坐分享零食、举杯共饮微醺，餐桌与茶几上少不了营造新年氛围感的好物，作 为节日松弛感与热闹感的必备元素，休食酒饮相关品类推动节日消费持续升温。 针对双旦期间爆发性、多元化的消费需求，京东京喜自营凭借"源头直采、工厂直供" 的供应链优势，深度联动全国重 点零食、水果、酒饮产业带，推出"节庆礼盒""健康微醺""寓意佳果"等系列节庆产品，顺应用户双旦集中消费需求， 多品类销量显著增长。 节庆刚需品零食水果热销，"心想事橙"10月至今卖超400万斤 节日欢聚时刻，茶几上总是摆满琳琅零食与新鲜果盘。数据显示，2025年中国休闲零食市场预计突破1.6万亿元，年增 长率稳定在 6%-8%。其中，Z世代与年轻白领已成为核心消费群体，消费占比超半数，他们对产品的颜值设计、情感 价值与社交属性需求显著提升，高颜值、主题化或具备情绪传递功能的休闲食品持续激发消费活力。 顺应这类趋势，京喜自营推出悠享时曲奇糕点饼干礼盒、初见半夏巧克力礼盒，以多口味组合与礼赠属性，满足聚会 分享场景；造型别致的大牌同厂圣诞靴子糖果，为节日增添童趣；而圣诞节迪士尼草莓熊零食礼盒，则凭借其可爱IP 外观设计和丰富口味，深 ...

"优惠+便利"：进一步激发湾区消费 自《粤港澳大湾区发展规划纲要》实施以来，粤港澳大湾区互联互通日益迈向纵深，基础设施建设 的"硬联通"持续完善，金融互联、人才流动的"软联通"稳步推进。在此背景下，金融服务的便捷化与一 体化，成为提升湾区居民生活质量、促进各类要素高效流动的关键一环。 12月20日，广发信用卡中心携手广发澳门分行、广州分行在广州南沙率先启动一项跨境金融服务创新试 点，面向在南沙工作生活的港澳人士推出信用卡线上服务。此举旨在以数字化能力打破地域与服务边 界，为湾区生活提供更流畅、更便捷的金融支持。 服务创新：从线下折返到线上闭环 接受采访时，广发信用卡中心相关负责人表示，为彻底解决港澳客户申领内地信用卡需多次跨境奔 波"折返跑"传统难题，广发信用卡中心率先在广州南沙推出面向港澳人士线上申请、激活信用卡的一站 式服务。 据该负责人介绍，在全新服务模式下，港澳客户仅需通过"发现精彩"APP，即可在线上完成信用卡申请 全流程操作，将过去可能耗时数日、多次往返的线下流程，压缩至线上短时间内轻松完成，真正实现了 跨境办卡的"零距离"与"零往返"。这不仅极大地优化了港澳客户体验，也是广发信用卡深化数字化转 ...

Core Insights - Sunshine Life Insurance won the "Annual Insurance Company" award at the 2025 "Excellent Financial Award" hosted by Zhito Finance, recognizing its strong performance and commitment to customer-centric strategies [1] Group 1: Financial Performance - Sunshine Life Insurance reported total premium income of 55.44 billion yuan in the first half of 2025, representing a year-on-year growth of 7.1% [3] - The new business value reached 4.01 billion yuan, with a comparable year-on-year increase of 47.3% [4] - The contract service margin balance stood at 56.08 billion yuan, reflecting a growth of 10.3% compared to the end of the previous year, indicating sustained long-term resilience [4] Group 2: Product and Service Innovation - The company has deepened its "Caring Sunshine" strategy, optimizing its product matrix and service system to meet customer needs throughout their life cycle [4] - In the field of pension finance, Sunshine Life has innovated product designs to expand its offerings for elderly policyholders, addressing the retirement security needs of the aging population [4] - The health insurance sector focuses on innovative drug coverage outside the medical insurance directory, catering to diverse customer needs amid healthcare reforms [4] - The wealth management function has been upgraded to accelerate the expansion of floating income products, aligning with the diverse wealth management needs of clients in the new economic cycle [4] Group 3: Technology Empowerment - Sunshine Life is actively embracing digital transformation, integrating AI and big data into all business scenarios to enhance customer service quality and efficiency [5] - The company upgraded its self-developed "Customer Family Protection Needs Recommendation System" to capture real-time changes in customer needs, enabling personalized and customized services [5] - A new intelligent service platform, "Sunshine Cloud Counter," was launched to improve accessibility for elderly clients, covering core business scenarios such as policy maintenance and complaints [5] Group 4: Future Outlook - Sunshine Life views the "Annual Insurance Company" award as recognition and encouragement from the industry for its operational achievements [5] - The company aims to continue its customer-first approach and deepen strategic transformation to provide high-quality insurance protection and services for more families, contributing to the high-quality development of the industry [5]

近日，京东互联网医院医疗质量管理委员会第五次全体会议召开，会上发布了新增的52种疾病标准化诊疗路径，覆盖 喉炎、近视、肥胖等18个专科常见的疾病。多位临床专家、医疗质量管理专家及政策研究专家出席会议，围绕标准化 诊疗路径、AI技术应用、专科建设等进行了研讨。 研讨会期间，与会专家围绕医疗质量提升、技术融合创新及专科建设等议题展开了深度交流，促进院内院外、线上线 下共建，引领行业规范化建设。 在AI技术赋能医疗服务方面，中南大学精神研究所所长王小平指出互联网医院应重视人工智能在精神心理等专科领域 的合规应用，建议构建严谨的伦理与风险管理体系，并通过与线下医疗机构的协同，保障AI辅助诊疗全过程的规范、 安全与透明。 截至目前，京东互联网医院医疗质量管理委员会已累计发布317种疾病标准化诊疗路径，为互联网医院医疗质量管理 树立标杆，进一步促进互联网医疗服务规范化水平提升。 新增52种疾病标准化诊疗路径 持续强化医疗质量安全管理 数据显示，我国互联网医疗线上问诊人数达4.18亿，占全国网民人数的37.7%，互联网医院数量达3700多家。随着互联 网医疗产业的持续发展，医疗服务质量和医生执业体验成为全社会关注的话题。一 ...

Core Insights - Douyin E-commerce held a year-end conference focusing on the "Interest Industry Belt," announcing a support plan for the upcoming year and releasing the "Douyin E-commerce 2025 Interest Industry Belt Data Report" [1][2] Group 1: Growth of Interest Industry Belt - The report indicates that there are over 23,500 interest industry belts on the Douyin platform, with 9 of them achieving over 100 million orders in the past year, and total transaction volume increasing by nearly 100 billion [2][3] - Over 6,000 county-level interest industry belts joined Douyin E-commerce in the past year, with more than 9,800 merchants increasing sales from zero to millions, and over 200 merchants reaching sales of over 100 million [3][4] - The rapid growth of interest industry belts is attributed to the platform's algorithmic recommendations, which effectively reach interested consumers and promote the growth of niche products and traditional industries [3][8] Group 2: Support Policies and Merchant Success Stories - Douyin E-commerce plans to continue supporting merchants through reduced commissions, lower shipping insurance costs, and special funds for small and medium-sized businesses [2][17] - Merchants from various sectors, such as daily necessities, pets, cosmetics, and toys, shared success stories of finding new sales channels and building new brands through short videos and live-streaming [2][4] - For example, a century-old brand, Yiben Tang, successfully transformed its traditional cast iron cookware and achieved sales of 600,000 in its first month on Douyin E-commerce, thanks to the platform's traffic support and algorithm [6][8] Group 3: Impact on Local Economies - The development of interest industry belts has significantly boosted county economies and upgraded local industries, with 491 interest industry belts achieving sales of over 100 million, 108 of which are from county towns [13][16] - The Zhejiang Jinhua Yongkang kitchenware industry belt, Shanxi Jinzhou household cleaning industry belt, and Qingdao Pingdu cosmetics industry belt are among the top county industry belts in terms of sales [13] - The platform's support has led to the digital transformation of local manufacturers, as seen in the case of a cosmetics factory that automated its operations to handle increased sales during promotional events [16][17] Group 4: Consumer Behavior and Market Trends - Consumers on Douyin E-commerce have developed a shopping habit of "watching before buying," which has helped upgrade consumption in sectors like outdoor clothing, with sales of three-proof fabric children's clothing increasing by 78% [9][10] - The combination of short video content and live-streaming has enabled merchants to connect emotionally with users, enhancing conversion rates [9][10] - Brands like Yangzhu Cocoyo successfully leveraged this model to address market awareness issues and achieve significant sales growth, with their pet pads becoming a top seller on the platform [10][14]

近年来，中银保险以数字技术为驱动，持续强化数字技术在重点领域的应用，聚焦影响程度深、应用范围 广、社会价值高的货运险业务，研发上线中银保险货运险数字化运营与智能风控系统，提升服务质效，促 进数实融合。该系统通过承保流程全链路数字化、标准化第三方服务对接和系统自动控制能力增强，针对 性破解传统货运险业务模式运营效率不高、对客响应不快、信息共享不畅、风险控制不强等难题，推动传 统货运险从"人工驱动"向"自动化"升级、从"单一险种"向"供应链风险生态参与者"融合，为场景化营销、嵌 入式投保、智能化风控赋能。自该系统上线以来，客户获取保单时间由"天级"压缩至"分钟级"，公司电子 保单签单率较原系统提高约13个百分点。 业内认为，经综合评定业务理念、技术应用、自主产权、实施效果及安全性等多个方面，该案例作为中银 保险深耕数字金融、做好普惠金融大文章的生动实践，其经济效益和示范效应显著，为保险业数字化转型 与可持续发展提供了有益借鉴。 未来，中银保险将牢牢把握数字化转型战略机遇，以更高站位、更实举措、更严标准，扎实推进数字化转 型，在创新实践中加快转型步伐，持续提升服务效能和客户体验，为推动全行业高质量发展、服务实体经 ...

此次获奖，是对威海银行以数据驱动金融创新的高度认可。近年来，威海银行深耕数据要素应用，着力 破解传统金融服务中客户画像模糊、信用评估维度单一、动态风险难以捕捉等痛点，积极推动内外部数 据整合与标准化治理，构建了企业级数据中台，形成了全行统一的数据标准管理体系。在绿色金融领 域，威海银行依托智能数据分析模型，对绿色项目环境效益、碳排放等关键指标进行自动核算，逐步形 成覆盖绿色项目识别、风险评估与效益测算的全流程解决方案。该方案高效支撑"1+3+5+N"绿色金融产 品体系落地，有力助推实体经济绿色低碳转型。 银行频道更多独家策划、专家专栏，免费查阅>> 12月4日，在海南博鳌举办的2025品牌信用建设论坛上，威海银行《数据要素助力绿色金融业务高质量 发展》案例荣获"2025金融新质生产力优秀实践"奖。该论坛由新华社中国经济信息社主办，系2025企业 家博鳌论坛重要组成部分，旨在汇聚政企学研各方智慧，探索以品牌信用建设赋能企业高质量发展的新 路径。 责任编辑：钟离 面向未来，威海银行将持续深化数据治理与技术创新，加强数据协同与应用，推动数据要素全面融入金 融"五篇大文章"，以数据动能助推金融服务提质增效，为区域经济 ...

Core Viewpoint - Ningbo Bank Shaoxing Branch is actively implementing national strategic directives to enhance financial services for the real economy, focusing on a "Five Help" service system aimed at supporting high-quality economic development [1] Group 1: Helping Customers Make Money - Ningbo Bank has launched the "Bobo Zhiliao" overseas customer acquisition service, leveraging a database covering over 200 countries and more than 10 billion trade data points to facilitate cross-border trade [2] - The service allows businesses to conduct in-depth trade data analysis, enhancing supply chain data depth and breadth by over 60% [2] - A "hidden champion" enterprise in Shaoxing has benefited from this service, significantly improving its efficiency in reaching potential international clients [2] Group 2: Helping Customers Save Money - The bank has introduced the "Bobo Zhiliao" AI Sentinel solution to enhance safety management for enterprises, enabling real-time risk identification and alerting through existing surveillance systems [3] - This solution allows for 24/7 identification of safety hazards without the need for extensive system overhauls, thus reducing operational costs [3] Group 3: Helping Customers Manage Money - In response to the accelerating global digital transformation, Ningbo Bank is promoting intelligent and efficient financial management through initiatives like "DeepSeek Empowering Financial Practice" and "AI Model Application Exploration" [5] - The bank has launched over 60 digital systems, including "Kunpeng Treasury" and "Ningxing Cloud," to provide tailored financial solutions for diverse digital needs [5] Group 4: Helping Customers Find Money - The bank is focusing on facilitating access to financial services in line with national policies aimed at large-scale equipment upgrades and consumer goods replacement [6] - A training session was held for over 20 leading enterprises in the hardware industry to help them understand project application points for long-term national bond projects [6] Group 5: Helping Employees Achieve a Better Life - Ningbo Bank has developed a "Beautiful Life" platform to enhance employee satisfaction and internal efficiency, offering various benefits such as discounts on dining, movies, and hotels [8] - The platform continuously evolves to include diverse benefits, thereby enhancing employee loyalty and serving as a competitive advantage for talent retention [8] - The bank aims to further deepen its "Four Modernizations and Five Helps" service system to inject new financial momentum into regional economic development [8]

Core Insights - JD's discount supermarket in Beijing's Mentougou district opened on December 17, achieving nearly 200,000 customer visits within the first five days, driven by its "Beijing flavor and extreme low prices" strategy [1][3] Group 1: Sales Performance - The store saw explosive sales of essential goods, with 9.9 yuan for 30 eggs becoming a top-selling item, totaling nearly 150,000 eggs sold as families stocked up [3] - Bulk snacks priced at 9.9 yuan per jin also performed well, with sales exceeding 5,000 jin, highlighting their high cost-performance ratio [3] - In the beverage section, JD's own brand of liquor sold nearly 2 tons in five days, appealing to middle-aged consumers, while beer sales reached 10,000 cans [5] Group 2: Seasonal Promotions - The store's dumpling section became a popular spot during the winter solstice, with nearly 30 varieties of dumplings selling over 30,000 bags in five days, leading to urgent restocking [5] - A promotional event offering a chance to win a whole pig for purchases over 129 yuan further boosted customer enthusiasm [5] Group 3: Unique Offerings and Customer Experience - The store's unique Beijing-style snacks and innovative sales methods, such as selling socks by weight, attracted many customers and enhanced the shopping experience [7] - The efficient supply chain, supported by JD's logistics, ensured fresh produce availability, with items like pork and shrimp priced competitively [8] Group 4: Future Plans - The store aims to continue leveraging its supply chain advantages to maintain "everyday low prices" while optimizing product offerings to enhance the shopping experience for local residents [10]

Core Insights - The article highlights the increasing consumer demand for snacks as a source of emotional satisfaction, particularly during the winter season and holiday gatherings [1] - JD Seven Fresh is launching a "Super Snack Day" event from December 22 to December 25, featuring over 300 brands and nearly 1,000 products with significant discounts [1][7] Group 1: Promotions and Discounts - The "Super Snack Day" offers promotions such as "69 off 10" and buy-one-get-one-free deals, catering to the emotional consumption needs of consumers during winter [1][7] - Popular chocolate brands are seeing price reductions, with items like the Swiss Lotus soft heart chocolate reduced to 119 yuan and various gift boxes priced under 100 yuan, making them attractive for gifting [3] Group 2: Consumer Trends - There is a notable increase in sales of snacks like chocolate and nuts during the year-end, reflecting a dual growth in "self-reward" and "gift-giving" consumption [7] - The instant delivery service, promising delivery within 30 minutes, enhances the consumer experience by allowing immediate gratification for snack purchases [7] Group 3: Product Offerings - During the promotional period, over 20 popular snacks are available with buy-one-get-one-free offers, such as pumpkin seeds priced as low as 6.25 yuan per bag and walnut-flavored seeds at 4.95 yuan [5] - The "Super Snack Day" is part of a broader strategy to offer various categories like baking, beverages, and fruits, with weekly specific discounts [7]