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存款利率全面下跌,年轻人开始流行攒「新三金」
36氪· 2025-05-23 09:24
Core Viewpoint - The article discusses the decline of traditional savings methods in light of falling interest rates, leading to a shift towards alternative investment strategies among younger individuals, particularly the "New Three Golds" approach, which includes money market funds, bond funds, and gold funds [5][8][32]. Group 1: Decline of Traditional Savings - One-year fixed deposit rates have fallen below 1%, and even demand deposit rates have dropped to 0.05%, prompting a widespread reduction in savings interest rates across banks [5][6]. - The trend of "deposit special forces" is fading as more individuals realize that traditional savings are no longer effective, with many opting to diversify their investments instead [8][9]. Group 2: Shift to Alternative Investments - Young individuals are increasingly turning to the "New Three Golds" strategy, which involves allocating funds into money market funds, bond funds, and gold funds to mitigate risks and achieve better returns [8][18]. - Data from Ant Financial indicates that as of the end of April, 9.37 million individuals from the post-90s and post-00s generations have simultaneously invested in money market funds, bond funds, and gold funds, highlighting the growing popularity of this investment strategy [18][21]. Group 3: Investment Behavior and Mindset - Investors are seeking low-risk, inflation-beating, and higher-yield alternatives to traditional bank deposits, with bond funds and gold being the most frequently mentioned options [18][32]. - The article illustrates a generational shift in financial attitudes, where younger individuals prioritize risk management and diversified investment strategies over traditional savings methods [32][38].
对话念空科技王啸:量化对冲基金的大模型之路
36氪· 2025-05-23 09:24
量化基金+大模型=? 在半年前,面对这道算术题,大部分人都会回答DeepSeek,但随着一篇研究论文的发表,一个新的答案出现了,那就是念空科技。 量化行业再现AI之光,念空携大模型底层研究首闯国际顶会。 5月15日,量化私募念空科技向国际顶会NIPS投递了与上海交大计算机学院合作的大模型研究论文,探讨" 自适应混合训练方法论 "。 这次的故事,不是量化私募砸钱投大模型获得了如何丰厚的回报,而是念空科技"以身入局",做出了大模型底层理论的研究成果,成为首家闯入NIPS的中 国量化机构。 在念空之前,DeepSeek是唯一一家量化私募孵化进行大模型底层理论研究且发表研究成果的公司。相较于"前辈",念空更进了一步。 在DeepSeek基础上,念空提出了一种全新的更优的训练方法,帮助大模型提升训练效率,是量化行业少有的真正的大模型创新性研究。 从技术层面来看,DeepSeek提出了强化学习的重要性,而念空科技董事长王啸及其团队发现,相比于DeepSeek先进行一段时间的集中SFT(监督微调), 再进行集中RL(强化学习)的做法, 将SFT与RL交替进行的方式,能够得到更好的训练效果 。 一个动作侧面证明了念空还有更大 ...
捷尼赛思的中国「耐力赛」:全球豪华品牌的下一回合
36氪· 2025-05-23 09:24
Core Viewpoint - The article emphasizes that Genesis's journey in the Chinese luxury car market is just beginning, highlighting the importance of adapting to local market dynamics and consumer preferences [1][28]. Group 1: Market Dynamics - Over the past decade, the global automotive industry has undergone significant restructuring, with China contributing nearly 40% of global luxury car sales, making it a crucial market for luxury brands [2]. - The Chinese automotive market is characterized by cyclical challenges and structural opportunities, requiring brands to adapt their strategies continuously [2][3]. - The luxury car market in China is not linear, and there are no permanent winners, as evidenced by the fluctuating fortunes of established brands like BBA (BMW, Benz, Audi) [2][3]. Group 2: Genesis's Strategy - Genesis has adopted a "2.0 strategy" focusing on localization, asset-light operations, and enhanced customer experiences to navigate the competitive landscape [5][10]. - The brand aims to differentiate itself from traditional luxury brands by emphasizing its unique product features and service advantages, rather than merely imitating BBA [9][20]. - Genesis is transitioning from a model of "product input" to "technology co-development" with local partners, integrating Chinese technology ecosystems into its offerings [5][3]. Group 3: Brand Positioning and Consumer Engagement - The brand is leveraging digital platforms and experiential marketing to build brand awareness and connect with consumers, moving away from centralized media strategies [9][10]. - Genesis is focusing on creating a unique identity in the luxury market by highlighting its "Korean luxury" attributes and enhancing customer experiences through innovative service models [10][24]. - The introduction of the "Showroom+" model aims to provide a comprehensive service experience, covering the entire customer journey from awareness to after-sales [12][13]. Group 4: Future Outlook - Genesis plans to initiate local production and R&D within 3 to 5 years, aiming for the localization of its electric vehicles, which will enhance its competitiveness in the Chinese market [15][20]. - The brand's recent model, the G80, reflects a strategic focus on meeting the upgrade needs of luxury car consumers while avoiding price wars [17][20]. - The company is committed to long-term growth in China, recognizing the market's complexity and the necessity of a localized approach to succeed [15][27].
「2元时代」终结,地铁涨价潮要来了?
36氪· 2025-05-23 09:24
以下文章来源于图数室 ,作者图数室 图数室 . 新浪新闻出品《图数室》栏目。 关注我们,用数据读懂热点。 地铁涨价潮要来了吗? 文 | 图数室 编辑 | 图数室 来源| 图数室(ID:sina-tushushi) 封面来源 | Pexels 近日, 重庆发布轨道交通调价听证会公告,拟终结持续近20年的"2元时代" ,引发公众对地铁涨价潮的热议。此次调价方案分为两种:缩短起步里程或提高 起步价, 市民月均出行成本或增加超24元。 数据显示,重庆地铁2023年运营成本超111亿元,营收仅30多亿,依赖政府补贴勉强扭亏。不仅是重庆, 全国多地地铁普遍陷入"客流不均、入不敷出"的困 境,2024年仅12家地铁公司净利润超1亿元,超半数城市客运强度未达国标。 票价调整背后,折射出地铁运营成本高企与财政补贴收紧的双重压力,如何平衡民生与可持续性,成为城市交通发展的关键课题。 重庆轨道交通告别2元时代 重庆轻轨现阶段的票价收费标准还是在2005年制定的,这是重庆轻轨20年来的首次涨价。 如果按普通市民每月22个工作日、出行44次计算,两套方案 人均月支出将分别增加24.20元、25.52元。 重庆轻轨要涨价了 器 新浪新闻 ...
拿下比亚迪、科沃斯订单,AI拧紧机器人获梅花创投数千万融资丨早起看早期
36氪· 2025-05-22 23:53
以下文章来源于硬氪 ,作者林晴晴 专注全球化、硬科技报道。36kr旗下官方账号。 产品已批量导入比亚迪、 科沃斯、欣旺达等行业头部客户。 文 | 林晴晴 编辑 | 袁斯来 来源| 硬氪(ID:south_36kr) 封面来源 | 企业供图 硬氪获悉,AI拧紧机器人厂商「顶配机器人」近日完成数千万元种子轮融资,由梅花创投独家投资。本轮融资将主要用于技术迭 代、产品系列完善及渠道市场拓展。 「顶配机器人」总部位于深圳光明区,聚焦工业制造中螺丝拧紧这一通用工艺环节,自主研发四六轴拧紧专用机器人、智能拧紧 工具及拧紧机器人工作站,产品已批量导入比亚迪、科沃斯、欣旺达等行业头部客户。 硬氪 . 软件端,机器人控制与拧紧工艺高度集成,软件架构采用全面模块化结构设计,向导式交互,面向角色使用布局、操作简洁。支 持图纸与视觉结合的一键示教功能,设备上线周期最快可达到1小时。 商业化进展方面,继新能源汽车行业客户BYD、长城汽车,智能家居科沃斯、石头等大客户的批量应用外,2024年,「顶配机器 人」主推渠道营销模式,通过产品标准化建模+搭建营销网络来进一步扩大拧紧机器人+智能拧紧工具的触及面,公司已发展了渠 道伙伴近百家,将持 ...
8点1氪:黄杨钿甜父亲被立案调查;活期存款已近0利率;小米YU7正式发布,标准版续航835公里
36氪· 2025-05-22 23:53
Group 1 - Sany Heavy Industry has submitted a listing application to the Hong Kong Stock Exchange, with CITIC Securities as the sole sponsor [4] - Xiaomi officially launched the YU7 model, featuring a 0-100 km/h acceleration in 3.23 seconds and a standard range of 835 kilometers [6][7] - Chery Jaguar Land Rover confirmed that production in China is operating normally, refuting rumors of a production halt [9] Group 2 - The People's Bank of China will conduct a 500 billion yuan MLF operation on May 23, 2025, with a one-year term [13] - The Ministry of Commerce reported that retail sales of home appliances have maintained double-digit growth for eight consecutive months, with a 38.8% year-on-year increase in April [16] - The Asian Development Bank appointed Seong-Wook Kim as the Chief Partnership Officer [20] Group 3 - BOSS Zhipin reported a first-quarter revenue of 1.923 billion yuan, a year-on-year increase of 12.9% [24] - Lenovo Group announced a revenue of 498.5 billion yuan for the fiscal year 2024/25, representing a 21.5% year-on-year growth [25] - Xiaomi 15S Pro was launched with a starting price of 5,499 yuan [26]
广西能否抓住这波流量实现逆天改命?
36氪· 2025-05-22 23:53
这一次, 广西能否抓住这波流量实现逆天改命? 以下文章来源于秦朔朋友圈 ,作者巫珩 秦朔朋友圈 . 秦朔朋友圈是由中国著名媒体人、财经观察家秦朔牵头创立的一个新媒体与专业服务品牌,包括微信公众号、微博、视频节目、音频节目等。内容聚焦于 经济、金融和商业领域,关注重点为全球和中国财经商业热点、企业家精神、创新与发明创造、商业文明探索等。 文 | 巫珩 来源| 秦朔朋友圈(ID:qspyq2025) 封面来源 | Pexels 广西的第一个机会, 是东盟 2023年,中越两国在河内发布了深化和提升全面战略合作伙伴关系的联合声明,之后两国可谓干劲十足。 今年4月,中越铁路合作机制在越南正式启动,这意味着中越两国关于推动跨境标准轨铁路联通的动作,有了实质性的进展。 广西是一个很特别的省份。 从地理位置上看,它地处西部,却又沿海。它毗邻广东,又与越南紧紧挨着,北望西部,南眺海南岛。它是全国唯一一个沿海的自治区,享受着西部大开 发政策的红利。 本来广西坐拥这样一个左右逢源的地缘位置,发展前景应该是很可观的,但至今它的经济话语权并不高。 实际上,国家过去给广西的重量级政策可不少。1984年,北海市就入围首批沿海开放城市。2 ...
新冠又来?
36氪· 2025-05-22 23:53
Core Viewpoint - The article discusses the resurgence of COVID-19 cases in China, highlighting the increasing positivity rates and the need for continued vigilance, especially among high-risk populations [4][5][9]. Summary by Sections COVID-19 Resurgence - COVID-19 has become the leading pathogen in emergency visits across most regions in China, with positivity rates rising from 7.5% to 16.2% between late March and early May 2025 [5][6]. - The current wave of infections is attributed to a decline in population immunity, as the last peak occurred over six months ago [9]. Expert Opinions - Experts suggest that while the current strains are less virulent, high-risk groups, including the elderly and those with underlying health conditions, should remain cautious and take preventive measures [7][9]. - The article emphasizes the importance of vaccination and protective behaviors, especially for vulnerable populations [7][20]. Regional Differences - The article notes a temporal difference in the spread of COVID-19 between northern and southern China, with the south approaching its peak later than the north [10][11]. - Data indicates that southern provinces have a slightly higher positivity rate compared to northern provinces during this wave [10]. Variants and Symptoms - The main circulating variants are XDV and NB.1.8.1, both of which belong to the Omicron family and exhibit immune evasion capabilities [13][15]. - Symptoms of the current infections are generally mild but can lead to severe outcomes in high-risk individuals, with prolonged cough and other respiratory issues being common [15][19]. Vaccination Strategies - The article outlines the latest COVID-19 vaccines available in China, which include formulations targeting the XBB variant [24][26]. - Vaccination remains the best preventive measure, with studies showing significant reductions in hospitalization risks for vaccinated individuals [23][27]. Treatment Options - A variety of antiviral medications are available for COVID-19 treatment, with specific recommendations for high-risk patients [34][35]. - The article stresses the importance of using antiviral drugs judiciously, particularly for non-severe cases [35][36].
霸王茶姬计划2025年内地新增1000家门店,香港50家,海外110家起 | 36氪独家
36氪· 2025-05-22 13:14
以下文章来源于36氪未来消费 ,作者钟艺璇 马来西亚之外,霸王茶姬出海多点开花。 文 | 钟艺璇 编辑 | 乔芊 来源| 36氪未来消费(ID:lslb168) 封面来源 | 品牌官方 36氪独家获悉,霸王茶姬2025年门店扩张具体目标为——中国内地1000+家,中国香港50家,东南亚地区100+家,美国10家。 对此,霸王茶姬官方回应称:不予置评。 此前,霸王茶姬曾在招股书内披露过2025年全球门店增长目标,即在中国和全球范围内新开1000至1500家门店。按照前述地区划 分目标,不难看出,中国内地仍旧是霸王茶姬2025年门店增长的主要力量,只是1000 家的增速对比过去明显下滑,仅有16%。 2023、2024年霸王茶姬中国内地门店数量同比增速分别为218%、82%。 2025年,霸王茶姬也终于开始在马来西亚之外的全球门店集中发力,但增长目标相对保守。 36氪未来消费 . 在这里看到消费的未来。36氪旗下官方账号。 目前来看,香港市场在霸王茶姬今年的扩张目标中,格外突出。香港的国际化程度较高,其地理位置也决定了此地拥有供应链优 势,是一个走向全球化的跳板。霸王茶姬在香港的野心早有外露。早在去年霸王茶姬开香 ...
看完演唱会,多少手机摄像头被激光「烧」了?
36氪· 2025-05-22 13:14
果壳 . 科学和技术,是我们和这个世界对话所用的语言。 以下文章来源于果壳 ,作者Owl 摄像头传感器被激光照坏, 演唱会结束后频发的手机惨剧。 文 | Owl 编辑 | Odette 来源| 果壳(ID: Guokr42) 封面来源 | pixabay 一年一度换手机的时间,除了在手机厂商发新品之后,还有就是看完演唱会。 用"演唱会"、"手机"、"坏了"这三个字去社交网站上搜索一番,就能看到不少 心碎追星人的手机维修单 。 他们的手机不仅记录着演唱会现场的美好时光,也暗藏着一些永远无法去除的奇怪印记——它们也是 摄像头传感器被激光照坏的证明 。 激光"武器": 一秒钟,让人类为我花几千块 激光秀损坏摄像头的情况并不是最近才出现的。 2010年,国外的一位摄影师正在街头拍摄一场庆祝活动,手中的佳能相机刚好被路边的激光灯不断扫射。就在激光扫过第二次的时候,相机所记录的画面上 突然出现一条白色的横条纹。 相机内部的传感器,就这样被激光"刻"下了一道永久的伤痕。 用于录制视频的手机放置在距离患者手部约60厘米的地方,并开启视频录制。当医生使用532 nm的激光照射患者纹身位置时,iPhone所录制的画面中突然出 现 ...