点击图片▲立即报名 ｜点评｜ 竞业协议诞生时多适用于高管、高技和少部分有保密义务的员工，主要集中在互联网等行业。为保护自身商业优势，公司在这部分人 员离职后，限制其在一段时间内不得去竞争对手公司任职。然而实践中，竞业协议天然偏向于公司，导致其逐渐被滥用。一些行业企业无差别 地对员工进行竞业限制，竞争对手范围也无限度扩张。即使基层的新人员工也要被限制，遭到行业上下游"封杀"，显然有失公允。 金融监管总局发文规范惠民保 7月31日，国家金融监督管理总局办公厅发布《关于推动城市商业医疗险高质量发展的通知》。《通知》提出，各保险公司要强化产品管理，规 范精准定价，加强风险管理，提升服务能力。与此同时，还要维护市场秩序，共建良好生态。保险公司应当遵循公平竞争原则开展城市商业医疗 险业务，持续提升产品和服务的多样化水平，不得搞低价无序"内卷式"竞争，不得进行垄断性、排他性销售。 各保险公司还要定期开展城市商业医疗险损益核算和精算回溯，根据保单年度实际赔付情况与保障方案预计赔付的偏差，合理调整保险责任和保 险费率，推动定价更精准、项目可持续。（澎湃新闻） ｜点评｜ 价格极低的惠民保是居民医疗保险的重要补充部分，它的投保门槛 ...

立即点击 ▲ 观看视频 最近有两件事情要结合起来看才有味道。 一件事情是贸易战，另外一件事情是新一轮"去产能"大运动。 首先，关于贸易战，虽然我们很关心最后的关税数据，但是我们尤其要关注的是美国和越南前 些天修的那套"样板房"——对于被认定为是转口贸易的商品额外加征40%的关税。 为什么说是"样板房"呢？因为大概率，各国接下来的对美贸易条款中都有会类似的条款。为什 么？一是美国强压，二是从各国私心来说，借此机会建立自己的供应链体系何乐而不为呢？如 果外国也有"国运一说"，也许很多国家就把这次机会当成"国运"呢。 所以第一件事，大家记住一个结论， 就是转口贸易一定会被慢慢封堵死。 第二件事，中央财经委员会第六次会议要求，依法治理企业低价无序竞争，推动落后产能有序 退出。 中央财经委员会是负责经济领域重大工作的顶层设计，也就是说，这个会议的每个字、每句话 都可能影响国内经济重大走向。 转口贸易指的是什么？是指那些绝大部分供应链在国内完成，到国外简单组装一下或加个包装 再卖到第三国，或者只是港口转一下的产品，俗称外贸界的"阳澄湖大闸蟹"。 我们出口的很多产品，是不是又是典型的产能过剩产品呢？ 钢铁是吗？是，很多国家 ...

点击上图▲立即收听 编者按：最近车圈好不热闹，尽管新车新技术扎堆发布，但"车圈恒大论"余波未 散，评测领域又起波澜——前有懂车帝的评测引来争议，后有SUV在对撞测试 中"完胜"重卡点燃舆论。而当视角从赛博世界转到真实世界里的一些隐秘角落， 嬉笑怒骂却转变成挣扎的声音…… " ' 野 ' 的东西少一点， ' 正 ' 的东西可以再多一些。 文 / 巴九灵（微信公众号：吴晓波频道） "这是我第一次看到如此野生的车展。" 快餐厅和便利店时不时飘出饭菜味，打工人步履匆匆，一辆辆锃亮的新车躺在路旁，车型不一，品牌混杂，既有新势力极氪、蔚来，也有宝马、奔 驰、奥迪。此处，没有行业的剑拔弩张，只有一幕幕银行地推信用卡般的场景。 展车后面是临时搭建的舞台，装饰以红色为主，氛围音乐动次打次。 舞台一侧的签到台前，时不时排起队伍，人们和工作人员聊了会儿，便扫码领取礼物后离开。也有人坐进驾驶座，摇下车窗与销售简单沟通。 " 广场中的"野生车展" 这个微型车展位于某物流大厂新建没几年的建筑群门口，已是杭州主城区的边缘地带。离展厅200米处，满载货物的列车呼啸而过。 像这样没有炫酷的场景搭建，没有发布会，没有车模等元素的非官方车展，同事 ...

美东时间7月30日周三，美联储在货币政策委员会FOMC会后宣布，联邦基金利率的目标区间仍维持在4.25%至4.5%。至此，FOMC连续五次货 币政策会议决定暂停行动。联储自去年9月起连续三次会议降息，合计降幅100个基点，自今年1月特朗普上台以来，一直按兵不动。 两名美联储官员在本次会议上都支持降息。自联储启动降息周期十个月来，这是FOMC利率决议投票中反对票最多的一次。本次美联储的决议声 明中表示，虽然净出口波动已影响数据，但最近的指标显示上半年经济增长缓和。鲍威尔称，现在就断言美联储是否会像金融市场预期的那样在 9月下调联邦基金利率还为时过早。（华尔街见闻） 点击图片▲立即报名 7月中国制造业PMI录得49.3% 7月31日，国家统计局发布2025年7月中国采购经理指数运行情况。7月份，制造业采购经理指数（PMI）为49.3%，比上月下降0.4个百分点，制 造业景气水平有所回落。从企业规模看，大型企业PMI为50.3%，比上月下降0.9个百分点，高于临界点；中型企业PMI为49.5%，比上月上升 0.9个百分点，低于临界点；小型企业PMI为46.4%，比上月下降0.9个百分点，低于临界点。 7月份，非制造 ...

点击上图▲立即收听 " 《财富》世界 500 强榜单的价值，远不止于一份企业名录，更是一面镜子，映照着全球经济的起伏、产业变革的浪潮、和国家力量的此消彼长。 " 文 / 巴九灵（微信公众号：吴晓波频道） 全球企业的力量博弈，又一次有了阶段性定论。 随着2025《财富》世界500强名单的发布，数据显示，今年上榜企业总营收创纪录地达到约41.7万亿美元，超过全球GDP的三分之一，同比增长 1.8%；总利 润约2.98万亿美元，同比略微增长0.4%，为历史次高 （完整榜单附文末） 。 宏大的数据宣告着全球顶尖企业的绝对力量和话语权。实际上，这组数据映射的也正是该榜单的评选标准。 虽说是世界500"强"企业，但企业的排位规则是以其会计年度的营业收入为依据的，所以用世界500"大"企业的视角来看这个榜单或许更合理。 一如这个榜单自身的英文名：Fortune Global 500——The World's Largest Corporations，译为财富全球500——世界最大的公司。 按照这个逻辑，在今年上榜的124家中国大陆企业中，有49家企业位次上升，68家企业位次下降；其中，央国企依然是进入世界500强榜单的主 ...

点击上图▲立即收听 " 对生育补贴比较敏感的，是小城市和农村。大中城市由于物价高、育儿成本高，所以产生的效果可能弱一些。 " 文 / 巴九灵（微信公众号：吴晓波频道） 今天是国家生育补贴政策发布的第四天。 从今年 1月开始，每个三岁以下的孩子都能享受每年3600元的国家补贴，且一孩、二孩、三孩均可。 与此同时，2022年1月1日到2024年12月31日出生的孩子， 都 可以按补贴月数折算计补发补贴。 上下滑动 ▲查看图片 " 22后 "小朋友率先赶上这波红 利 ，2022年1月出生的孩子可得补发300元补贴，以此类推，2023年12月出生的孩子，可得补贴总金额7200元。 2022年至2024年 ， 全国出生人口合计约 2812万人，正如一些家庭在朋友圈说的， 这部分儿童算是赶上了"末班车"。 也有的人 摁起了计算器，毕竟，一年3600元的补贴，对许多有娃家庭而言，依然杯水车薪。 "3年1万，请保姆都请不起"，这类想法的对标标准，在于养娃的成本负担。 《中国生育成本报告2024》显示，0-17岁孩子的养育成本总计在53万元左右，而17年每年3600元的补贴，只有这笔金额的十分之一。 | 不同阶段的养育成本 | ...

点击图片▲立即报名 中共中央政治局召开会议 7月30日，中共中央政治局召开会议，决定今年10月在北京召开中国共产党第二十届中央委员会第四次全体会议。会议指出，宏观政策要持续发 力、适时加力。要落实落细更加积极的财政政策和适度宽松的货币政策，充分释放政策效应。加快政府债券发行使用，提高资金使用效率。 会议强调，要有效释放内需潜力。深入实施提振消费专项行动，在扩大商品消费的同时，培育服务消费新的增长点。在保障改善民生中扩大消费 需求。高质量推动"两重"建设，激发民间投资活力，扩大有效投资。增强国内资本市场的吸引力和包容性，巩固资本市场回稳向好势头。（央视 新闻） ｜点评｜ 本次会议对现阶段国内经济发展状况进行了总结，积极应对未来经济发展中的不确定性与风险挑战。会议再次强调保持政策连续性与 稳定性，在政策推出的节奏上给予市场明确预期。更加积极的财政政策或指向加速基建投资，为市场注入新的需求。货币政策上延续宽松基 调，保持流动性充裕的同时，采取结构性工具，定向放水。 提振消费，扩大对外开放，推动新质生产力的培育与壮大仍是下阶段政策重点发力方向，宏观政策大方向上的稳定，有助于中国平稳度过经济 结构调整期。10月的会议中 ...

Core Viewpoint - The article emphasizes that going global is a crucial direction for many companies seeking new growth opportunities amid the deep adjustments in the global economic landscape [1]. Group 1: Trends and Market Analysis - The "Going Global" trend is highlighted, with a projected 5.9% growth in China's exports in the first half of 2025, although different industries experience varying levels of success [8]. - Traditional industries like textiles and toys face significant challenges, while emerging sectors such as integrated circuits and agricultural products show rapid export growth [9]. - The shift in global trade patterns indicates a decline in exports to the U.S. and an increase in exports to markets like Thailand, Vietnam, and India post-2023 [10][11]. Group 2: Strategic Considerations for Going Global - Companies must adapt to local market conditions, trade rules, and cultural differences, emphasizing the need for localized strategies [12]. - The transition from an order-focused mindset to a customer-centric approach is essential for sustainable growth, even for industrial intermediate goods [12]. Group 3: Cross-Cultural Management - The process of going global is described in three stages: "watching the sea," "rushing to the sea," and "truly going global," with most companies currently in the first three stages [15]. - Effective human resource management is crucial, involving expatriates, local employees, and international talent to ensure successful market integration [17][18]. - Cultural differences should be viewed as opportunities for innovation rather than obstacles [19]. Group 4: Case Studies and Practical Insights - Cool-Vita's approach in Southeast Asia emphasizes deep localization and long-term brand commitment, adapting products to local consumer habits [27][28]. - The company has achieved significant market penetration in Indonesia, demonstrating the importance of understanding local culture and consumer behavior [29]. Group 5: Educational Initiatives - The "Going Global Navigator Class" aims to provide a comprehensive framework for companies to navigate the complexities of international expansion, featuring insights from experienced mentors [30][31].

Group 1: Logistics Industry - The total social logistics volume in China for the first half of the year reached 171.3 trillion yuan, reflecting a year-on-year growth of 5.6%, which is 0.3 percentage points higher than the GDP growth rate [1][2] - Industrial product logistics volume grew by 5.8%, contributing 85% to the overall logistics growth, with significant demand from the equipment manufacturing and high-tech manufacturing sectors, which saw growth rates of 10.9% and 9.7% respectively [1][2] - Consumer logistics also showed positive trends, with a 6.1% year-on-year increase, indicating the effectiveness of policies aimed at stimulating consumption [1] Group 2: Taxation and Personal Finance - Over 100 million taxpayers applied for tax refunds totaling over 130 billion yuan, while 7 million taxpayers reported additional taxes amounting to 480 million yuan [3][4] - The current personal income tax exemption threshold of 60,000 yuan accounts for approximately 62.7% of China's per capita GDP for 2024, which is significantly higher than the typical 40% in developed countries [3] Group 3: Automotive Industry - The establishment of China Changan Automobile Group with a registered capital of 20 billion yuan marks a significant restructuring in the automotive sector, positioning it as the third major state-owned automotive enterprise [5][6] - Changan's transition to an independent entity raises concerns about its ability to manage losses in its growing electric vehicle segment, which has seen increasing sales but also mounting losses [6] Group 4: Technology and Retail - Apple announced the closure of its first direct retail store in China, located in Dalian, due to issues with the shopping center, while continuing to expand its presence in other cities [7][8] - The company faces challenges in keeping up with competitors in AI and foldable phone technology, indicating a shift from being an industry leader to a follower [8] Group 5: Investment and Fund Management - Nearly 90 private equity firms have obtained the Hong Kong 9 license, allowing them to manage USD funds and expand their business internationally [11][12] - The trend of private equity firms seeking to establish a presence in Hong Kong reflects a growing interest from global investors in the Chinese market, although the ability to attract funding remains contingent on the firms' overall quality and performance [12][13] Group 6: Market Performance - The stock market experienced fluctuations with the Shanghai Composite Index rising by 0.33% and the ChiNext Index leading gains at 1.86%, amidst a mixed performance across sectors [16] - The market is currently facing uncertainties due to new trade negotiations between China and the US, which may impact investor sentiment [17]

Core Viewpoint - The article emphasizes that artificial intelligence (AI) has transitioned from being an abstract concept to a tangible force that is increasingly penetrating everyday life, showcasing a significant shift towards practical applications and user engagement in the AI sector [21][23][70]. Group 1: Event Overview - The World Artificial Intelligence Conference (WAIC) attracted a record number of attendees, with an estimated 350,000 visitors, including 156 purchasing groups from over ten countries [4][12]. - The event implemented strict entry protocols, requiring advance ticket purchases and identity verification, reflecting the high demand and interest in AI technologies [5][6]. Group 2: AI Applications and Trends - The focus of AI development has shifted from merely enhancing computational power to applying AI in real-world scenarios, with companies competing to convert technology into productivity [10][21]. - The exhibition featured a wide array of robots capable of performing various tasks, indicating a growing interest in practical applications of robotics in everyday life [10][11][12]. Group 3: User Engagement and Market Response - Ordinary visitors showed significant interest in AI technologies, with many expressing a desire for more affordable robotic solutions after witnessing their capabilities [8][11]. - The popularity of AI products, such as smart glasses, highlights a trend where consumers are eager to engage with and utilize advanced technologies in practical settings [17][19][68]. Group 4: Industrial AI and Future Prospects - Industrial AI is gaining traction, with a focus on enhancing efficiency and flexibility in manufacturing processes, as evidenced by the introduction of systems like the Industrial Copilot, which can improve production efficiency by up to 50% [39][41][36]. - The article suggests that the future of AI will involve deeper integration into various industries, emphasizing the importance of collaboration and open-source initiatives to bridge the technological divide [28][30][31]. Group 5: Global Collaboration and Governance - The Chinese government proposed the establishment of a global AI cooperation organization, aiming to foster international collaboration and address ethical and governance challenges in AI development [30][31]. - The conference underscored the need for a unified approach to AI governance, promoting standards and ethical guidelines to ensure responsible AI deployment [47][48].