叠加科技创新后的数字经济浪潮，把"要不要转型"的单选题，变成了"转得够不够快"的抢答题。在北京顺义区马坡，一片占地188亩的"数字金融绿洲"，也 许正悄然改写着未来银行新范式。 这里是北京银行顺义科技研发中心——"数字京行"的策源地，7×24小时不间断运转，支撑着北京银行各项业务的稳定运行。 2022年，北京银行正式吹响数字化转型冲锋号，提出三年行动规划，以数字化转型推动跨越式发展。这场转型的实际成效如何？具体有哪些落地应用？近 日，由北京市委网信办主办、新京报贝壳财经承办的"京彩不设限・经济热力站"月度主题走访活动给出了最佳观察窗口。北京银行顺义科技研发中心作为重 要站点，迎来了12家市属新闻网站、财经类网站记者及4家财经领域网络大V，让外界得以零距离触摸其数字化转型的鲜活实践。 服务3200万客户背后的"数字兵法" 数字化转型的最终目标是提升客户体验与经营效率。目前，北京银行的零售客户数突破3200万户，如何服务好这些客户群体，同时还能进一步扩规模、促增 长，答案就是——数字化运营。 在零售业务领域，来自北京银行软件开发中心零售基础与渠道研发团队副主管周兵介绍，该行沉淀总结了一套数字化运营的体系框架——C ...

光大银行APP中，"阳光金增利稳健乐享天天购25号（7天最低持有）A"显示成立以来年化4.77%，但近 1个月折合年化收益率仅2.90%，另一款理财产品"阳光金创利稳健日开6号（14天最低持有）A"显示成 立以来年化4.54%，但近1个月折合年化收益率仅0.77%。 "当投资者被首页亮眼的数据吸引而忽视了实际收益时，最终可能会面临较大的预期落差。"余丰慧表 示，这不仅会损害投资者的信心，还可能导致他们在财务规划上做出错误的决策。具体来说，投资者可 能会因为高估了自己的投资回报而低估了其他必要的储蓄或投资，从而影响到长期的财务安全和生活质 量。 余丰慧称，为了规范业绩展示，银行应当遵循监管要求，确保所有关键业绩指标都被公平、透明地展示 出来，避免误导投资者。这包括但不限于明确标注不同时间段的收益率，并且提供详细的计算方法和风 险提示。 业绩比较基准与实际收益率差异属正常 投资者决策需考虑多因素 近日，银行理财产品收益"注水"问题引起关注。贝壳财经记者注意到，在多家银行APP"成立以来年化 收益率""近1年收益率"均优先展示，近1个月、3个月等收益率情况却多暗藏在详情界面。 盘古智库高级研究员余丰慧表示，在当前理 ...

新京报贝壳财经讯（记者俞金旻）11月25日，从智利圣地亚哥起飞、满载100吨新鲜樱桃的货机平稳降 落上海浦东国际机场。在上海海关所属上海浦东国际机场海关监管下，这批樱桃快速完成了通关放行和 提离出站手续。 "查验流程优化后，最快1小时就能完成全流程通关，新鲜度有了十足保障。"提到此次智利樱桃进口， 进口商、上海欧恒供应链集团有限公司关务经理周守明赞不绝口。 与此同时，贝壳财经记者从华东地区最大的水果批发市场了解到，11月26日，智利樱桃（车厘子）5kg 规格2JD价格500至510元，3JD价格500至560元，价格较去年同期有所下降。 编辑 陈莉 校对 穆祥桐 贝壳财经记者从上海海关获悉，自10月17日今年首架智利樱桃包机进境至11月25日，该关已完成19架次 包机智利樱桃查验任务，累计监管进口智利樱桃1974余吨，较去年同期增长132%。 当下正值南美樱桃上新季，智利作为首个与中国签署自由贸易协定的南美国家，已连续十多年位居我国 樱桃进口来源地之首。"这批樱桃从采摘到抵达中国市场，全程冷链运输不超过48小时。"上海浦东国际 机场海关物控查检一处查验七科副科长谢敏一边核对随附货证，一边向贝壳财经记者介绍，" ...

Core Viewpoint - The conflict between Ping An Group and Huaxia Happiness has become public, highlighting governance issues and differing interests regarding the company's pre-restructuring process [1][2][9]. Group 1: Conflict Background - The dispute escalated following two announcements made by Huaxia Happiness on November 17, revealing that creditor Longcheng Construction Engineering Co., Ltd. applied for the company's restructuring due to its inability to repay debts [3][4]. - The court has accepted the pre-restructuring application, and Huaxia Happiness indicated "no objection" to this process [3][5]. Group 2: Governance and Compliance Issues - Ping An's representative, Wang Wei, publicly stated he was unaware of the announcement regarding the restructuring, claiming it violated company governance procedures [5][10]. - The core of the dispute revolves around whether the pre-restructuring process required board approval, with differing interpretations of regulatory guidelines [10][12]. Group 3: Financial Oversight and Transparency - The Huaxia Happiness debt committee authorized Ping An Asset Management to conduct a special financial due diligence on the company, addressing concerns over the transparency of debt resolution [6][7]. - Huaxia Happiness responded by stating it would cooperate with the temporary management team but could not define its obligation to comply with the financial committee's additional due diligence [8]. Group 4: Historical Context and Financial Performance - The relationship between Ping An and Huaxia Happiness has deteriorated over time, with significant financial losses for Huaxia Happiness leading to Ping An's substantial exposure [16][17]. - The company's stock price has plummeted from over 20 yuan to around 2 yuan, resulting in a significant market capitalization loss [17]. Group 5: Future Outlook - The restructuring process is expected to be complex, involving various stakeholders, including creditors and minority shareholders, indicating a challenging path ahead for Huaxia Happiness [21].

Core Viewpoint - Jianghai Co., Ltd. plans to establish a joint venture, Jianghai Innovation Research Institute Co., Ltd., with related parties, indicating a strategic move to enhance its research capabilities and innovation [1] Group 1: Joint Venture Details - The registered capital of the joint venture is set at 50 million yuan [1] - Jianghai Co., Ltd. will contribute 30 million yuan, holding a 60% equity stake [1] - The Technical Research Institute will contribute 15 million yuan for a 30% equity stake, while Zhejiang Economic Investment will contribute 5 million yuan for a 10% equity stake [1] Group 2: Financial Implications - The newly established joint venture will be included in Jianghai Co., Ltd.'s consolidated financial statements, potentially impacting the company's financial performance and reporting [1]

新京报贝壳财经讯 11月26日，华宝新能公告，公司与深圳市全景蓝图资本有限责任公司共同投资设立 厦门全景蓝图创业投资基金合伙企业(有限合伙)。公司作为有限合伙人，以自有资金认缴出资3000万元 人民币，占基金合伙企业认缴出资额的96.7742%。基金合伙企业为专项基金，将专项投资于广东正扬 传感科技股份有限公司。 ...

Core Viewpoint - Tianshan Aluminum has officially powered on the first batch of electrolytic cells for its 1.4 million tons green low-carbon efficiency enhancement project, aiming to improve the green and low-carbon level of its electrolytic aluminum production [1] Group 1: Project Details - The project utilizes fully graphitized cathode carbon blocks and new energy-saving cathode structure technology [1] - Upon completion, the company's electrolytic aluminum production capacity will reach the approved capacity of 1.4 million tons per year [1] - The comprehensive AC power consumption of aluminum liquid will be at an industry-leading level [1] Group 2: Energy and Competitive Advantage - The project will rely on external green electricity as an energy guarantee [1] - Once fully completed, the proportion of green electricity in the company's energy mix will further increase [1] - This enhancement will strengthen the company's competitive advantage in electricity costs and accelerate the green transformation of its electrolytic aluminum main business [1]

编辑 陈莉 校对 穆祥桐 新京报贝壳财经讯（记者韦英姿）11月26日，新京报贝壳财经记者自腾讯方面获悉，微信医保移动支付 功能已在中国医学科学院北京协和医院、北京大学人民医院等140家公立医院全面上线。通过"京通"小 程序或医院自有应用（APP、小程序、公众号），本市参保患者可通过手机一站式完成挂号、门诊就医 费用的医保实时结算。腾讯方面表示，未来腾讯将继续优化移动支付体验，拓展更多医疗场景应用。 ...

新京报贝壳财经讯 11月26日，信达证券发布公告称，公司正与中金公司、东兴证券筹划重大资产重 组，由中金公司换股吸收合并东兴证券和信达证券。公司A股股票自2025年11月20日开市起停牌，预计 停牌不超25个交易日。鉴于重组事项存在重大不确定性，为维护投资者利益，避免股价异常波动，公司 A股股票将继续停牌。公司将积极推进工作，待事项确定后及时公告并申请复牌。本次重组尚需履行内 部决策程序并获监管批准，存在不确定性。 编辑 杨娟娟 ...

Core Viewpoint - The Ministry of Industry and Information Technology, along with five other departments, has issued a plan to enhance the adaptability of supply and demand for consumer goods, focusing on optimizing the supply of products for the elderly [1] Group 1: Product Development - Emphasis on strengthening the research and design of elderly-friendly products, including the development of essential items such as elderly service robots, multifunctional nursing beds, and health monitoring devices [1] - Introduction of comfortable, functional, and stylish clothing and footwear specifically designed for the elderly [1] Group 2: Nutritional and Daily Products - Development of food products that cater to the chewing, swallowing, and nutritional absorption needs of the elderly [1] - Promotion of functional daily chemical products tailored for elderly consumers [1] Group 3: Market Initiatives - Launch of a quality elderly products initiative aimed at benefiting both the elderly and enterprises [1] - Encouragement for home modifications to be more suitable for elderly living [1] - Publication of a directory for promoting elderly-friendly products and services, along with incentives for e-commerce platforms and supermarkets to establish dedicated sections for senior consumers [1]