Core Insights - The article highlights the increasing demand for credit products among Hong Kong youth working in Shenzhen, as they face challenges in accessing credit due to a lack of credit history in mainland China [3][5][8] - The successful approval of a consumption loan for a Hong Kong youth marks a significant step in addressing the credit needs of this demographic, indicating a potential shift in cross-border financial services [5][10] Group 1: Loan Approval Process - The loan application process for Hong Kong youth has become more efficient, with a reported approval time of just a few days and a competitive interest rate of approximately 3% [5][8] - The approval of loans is facilitated by the recognition of Hong Kong credit records, which helps in assessing the creditworthiness of applicants [5][10] Group 2: Cross-Border Financial Services - The article discusses the challenges faced by Hong Kong residents in applying for credit products in mainland China, primarily due to the lack of a unified credit system between the two regions [9][10] - The introduction of blockchain technology and a cross-border data verification platform has been instrumental in overcoming trust barriers related to credit data [10] Group 3: Market Trends - There is a growing trend of Hong Kong and Macau residents seeking to purchase property in mainland cities like Zhuhai, with an increasing number applying for mortgages from mainland banks [12][14] - The data indicates a significant rise in cross-border mortgage registrations, reflecting the strong demand for property among Hong Kong and Macau residents [14]

不久前，最高人民法院也将一起旧案——牟某翰虐待案作为反家暴的典型案例公开发布。2018 年，牟某翰与被害人建立恋爱关系，并于2019年起持续精神折磨被害人，2020年被害人不堪虐待 自杀身亡。法院认为，牟某翰与受害人处于同居状态，已形成事实上的家庭关系，故认定二者为家 庭成员，解决了未结婚但受虐待却不适用虐待罪的问题。 至此，最高检、最高法通过典型案例——马某某虐待案和牟某翰虐待案，旗帜鲜明地将虐待罪中的 家庭成员进行了符合立法本意和时代背景的解释和适用。 案件推动了刑法与反家庭暴力法、妇女权益保障法的有效衔接，它向社会传递出明确信号：在追究 虐待罪、遗弃罪等涉及"家庭成员"的刑事责任时，家庭成员不以结婚证为必要条件，只要构成稳 定共同生活关系的，就属于家庭成员。这回应了当下多元化婚恋模式下家暴维权的需求，也使得女 性在婚姻之外同样享有不受家庭暴力侵害的平等保护，我国在"家暴零容忍"的道路上又前进了一 步。 刑法第260条规定的"虐待罪"，以家庭成员为构成要件，即行为人和受害人为同一家庭里共同生 活的成员。为什么他们生活在同一屋檐下？一般基于婚姻关系、血缘关系或者收养关系。因此，夫 妻、子女、父母、祖父母、兄 ...

Core Viewpoint - The article highlights the importance of insurance coverage in residential safety, particularly in light of the recent fire incident at Hong Kong's Hongfuyuan, which resulted in significant casualties and raised concerns about housing safety and risk management [2][3]. Group 1: Incident Overview - On November 26, 2025, a fire broke out in multiple residential buildings at Hongfuyuan, New Territories, Hong Kong, leading to 55 fatalities [2]. - The incident has prompted discussions regarding the adequacy of insurance coverage for residential properties and the need for improved safety measures [3]. Group 2: Insurance Coverage Details - China Taiping Insurance (Hong Kong) Co., Ltd. provided comprehensive insurance for the Hongfuyuan maintenance project, including construction all-risk insurance, employee compensation insurance, third-party liability insurance, property all-risk insurance, and public liability insurance [3][4]. - The insurance plan for the Hongfuyuan estate for the period from January 1, 2025, to December 31, 2026, includes a total premium of HKD 337,700 for four types of insurance [4]. Group 3: Insurance Premium Breakdown - The building and common area property insurance has a coverage limit of HKD 2 billion, with a premium of HKD 240,200 for two years [5]. - Public liability insurance covers third-party personal injury and liability, with limits of HKD 10 million and HKD 200 million, respectively, and corresponding premiums of HKD 20,000 and HKD 70,000 for two years [5]. - Cash insurance covers various scenarios with a total premium of HKD 10,507 for two years, while collective personal accident insurance has a premium of HKD 3,903.9 for two years [5]. Group 4: Broader Insurance Market Context - The article discusses the limited development of home insurance in mainland China compared to Hong Kong, noting that while new housing quality defect insurance is mandatory, there is no compulsory insurance system for existing homes [6]. - Home insurance in China has seen significant growth, with premiums increasing from HKD 1.2 billion in 1998 to HKD 28.5 billion in 2024, but it still represents only 1.7% of the total property insurance market [6]. Group 5: Challenges in Home Insurance - The development of home insurance faces challenges such as a lack of mandatory participation and insufficient supply from the insurance industry, which lacks comprehensive databases for risk assessment [7]. - The traditional home insurance model is characterized by low frequency of claims, leading to a disconnect between consumers and insurance products [7]. Group 6: Innovations in Home Insurance - Recent innovations in home insurance include the introduction of risk reduction services and expanded coverage options, such as plumbing and electrical inspections, fire alarm responsibilities, and pet liability insurance [8]. - These innovations aim to enhance consumer engagement and address emerging risks, such as those associated with electric bicycles and extreme weather events [8].

为了赢得下一届大选，赖清德当局势必将无所不用其极，包括 升级台海地区的紧张局势。现在还无法预判赖清德将会怎么 做，但他肯定会有所动作。2027年下半年至2028年上半年将 是一段十分敏感、紧张的时期。对此，大陆方面不得不防。 作者：王义伟 封图：本报资料室 美国在台协会（AIT）台北办事处第一时间表态欢迎。该处处长谷立言通过社交媒体发文，表示这 是台湾在防卫领域至关重要的投资，美国支持台湾快速取得关键的不对称战力，这也是历届美国政 府的对台承诺。 岛内绿营除了全力支持，预计还将掀起一波大内宣高潮。 蓝营方面则是一片批评声。国民党主席郑丽文指出，赖清德此举将导致台湾明年的举债超过5000 亿新台币，这将突破法定举债上限，违反财经纪律。而且，如此重大的决策竟然以先向外国媒体投 稿的方式发布，十分不当。这样的决策不但会使台海变成火药库，更让台湾变成兵工厂。郑丽文希 望赖清德三思。 台湾《中国时报》发表署名张竞的评论。评论分析了赖清德此举在三个方面的影响： 首先是对民意的影响。如果提高防卫预算能获得台湾民众正面响应，对绿营而言当然划得来。但台 湾社会对无休止的防卫预算，早就浮现负面声浪，对许多防卫项目也是不乏质疑与指 ...

碳酸锂价格在11月份大幅上涨，并于11月19日和11月20日 两度突破10万元/吨的重要关口，从而打开了价格的想象空 间。此前的6月份，碳酸锂还在为跌破6万元/吨重要关口而发 愁，深陷"底在何方"的困扰，但不到半年时间，当日的"烫手 山芋"却已变成"香饽饽"。急速华丽转身的背后，是碳酸锂的 供需出现了新叙事，抑或流动资金在兴风作浪？ 作者：邹永勤 封图：图虫创意 "随着储能领域和动力电池对基础锂材料需求的持续上涨，我们预计，2026年全球锂需求量将达 到 200 万 吨 碳 酸 锂 当 量 ， 行 业 的 供 需 基 本 达 到 平 衡 。 "2025 年 11 月 25 日 ， 天 齐 锂 业 （002466.SZ）董事长蒋安琪公开表示。 作为碳酸锂领域的龙头企业之一，天齐锂业的动向无疑对行业颇具影响力。11月25日，碳酸锂期 货主力合约LC2601大涨4.47%，成为当天商品市场最耀眼的品种。11月26日，LC2601一度大 涨5.18%，最高探至99880元/吨；虽然尾盘涨幅收窄，但11月以来高达19.26%的升幅（截至 11月26日收盘），足以让其雄踞商品市场涨幅榜首位。 此前的6月份，碳酸锂还在为跌 ...

在伊斯坦布尔的一家花店里，老板轻轻一点手机App，便能看 着满载自家鲜花的车辆穿梭于欧亚大陆交汇的街巷，轨迹在屏 幕上清晰可见。 封图：图片资料室 这个场景在一年之前，还难以想象。改变源于一款名为Lalamove的橙色图标，它携带着货拉拉在 中国大湾区以及东南亚历经亿万订单验证的即时配送模式，在中东这片物流"沃土"， 试图为无数 中小企业写下新的增长故事。 土耳其，机遇藏于细节中 2024年11月，货拉拉海外品牌Lalamove在伊斯坦布尔悄然上线。这座横跨欧亚的城市，不仅是 土耳其的经济心脏，更是"一带一路"上的关键枢纽。 作为全球贸易、物流和制造业的交汇点，土耳其拥有300万家中小企业，它们贡献了该国经济的半 壁江山，却面临着线上零售仅占整体零售总额3.5%的现实，物流市场如同一片尚未开垦的沃土。 Lalamove带着它的即时配送模式，试图在这片土地上复制奇迹，其车型从摩托车到小型汽车、厢 式卡车，几乎覆盖了所有中小企业的物流场景。 从让货物动向一目了然的实时GPS追踪功能，到显著提升企业运营效率的多站点配送和API集成， 这些技术与运营模式也被Lalamove系统性地引入街头巷尾。 在土耳其市场，Lal ...

Core Insights - The industry of embodied intelligence is experiencing rapid growth, but it is still far from reaching a "ChatGPT moment" [1][3] - There is a potential upcoming "winter" in the market, leading to tightened financing and a comprehensive evaluation of business models and technology routes [3] Group 1: Market Dynamics - The embodied intelligence sector is being driven by two forces: a resurgence of capital investment and significant risks [2][3] - In the first three quarters of this year, domestic robot financing reached 38.624 billion, 1.8 times the total for 2024 [2] - Major companies are announcing large commercial orders, indicating a trend towards mass production [2] Group 2: Challenges in Production - The industry must discern between genuine demand and "pseudo-demand" driven by policy subsidies and investment hype [6] - Hardware stability remains a significant barrier, with many robots failing shortly after deployment [5][6] - The current state of embodied models is still in early stages, with issues in control precision and operational consistency [5][10] Group 3: Data Scarcity - High-quality data is extremely scarce, which poses a challenge for scaling applications [10][11] - The number of robots currently operating in real-world scenarios is likely under 1,000, insufficient for developing a robust model system [10] - The industry is shifting towards a model where robots generate their own data through real-world interactions [10][11] Group 4: Future Outlook - The industry is in a phase of rapid emergence, with many companies and technologies surfacing simultaneously [6][7] - The future of embodied intelligence is expected to be driven by new physical world foundational models, differing from language models [11] - The necessary conditions for a breakthrough in embodied intelligence—algorithm, computing power, and data quality—are not yet simultaneously mature [11]

这场大火始于11月26日下午2时51分，起火点最初位于宏昌 阁外墙棚架，随后火势在数小时内迅速蔓延至周边大厦，于当 日 傍 晚 6 时 22 分 被 消 防 处 升 级 为 香 港 火 警 分 级 制 度 中 最 高 的"五级"。 作者： 郑晨烨 封图：本报资料室 11月27日凌晨3时57分，香港特区政府发布新闻公报，通报大埔宏福苑五级火警的最新伤亡数据：事故已造成36人死亡，36人受伤，其中7人情况危殆。在确认的 死者中，包含一名入职9年的消防队员，仍有279人处于失联状态。 另据最新信息，大埔宏福苑火灾目前已造成44人遇难，45人受伤。香港警方已拘捕3名相关工程公司负责人，包括2名董事、1名工程顾问，年龄介于52岁至68 岁。 虽然警戒线被拉设在距离火场较远的位置，但记者在封锁线外仍能闻到空气中弥漫着浓烈的焦煳味，地面上散落着大量被风吹至此处的、呈黑色的颗粒状崩落 物。 透过夜色，记者在现场看到，宏福苑西北方向楼宇的明火已基本熄灭，但东南方向的三栋大厦外立面仍有明火燃烧，部分中高楼层的窗户内透出清晰的红光。 警方在通报中指出，此次火势蔓延速度及程度"不寻常"，目前已联同消防处成立专案组，明确循刑事方向展开 ...

Core Insights - The article emphasizes the importance of small operational units in enhancing organizational agility and responsiveness to market changes, drawing parallels between historical military strategies and modern business practices [2][20][22] Historical Context - During the Jiajing period, the Ming Dynasty faced frequent invasions by Japanese pirates, which highlighted the inefficiencies of large military formations. General Qi Jiguang developed the "Yuan Yang Formation," which divided troops into smaller units to maximize command efficiency [1][2][3] Organizational Structure - The concept of dividing large groups into smaller, flexible units is not only applicable in military contexts but also in modern business. Companies can benefit from adopting similar strategies to maintain competitiveness and adaptability [2][4][20] - The "Yuan Yang Formation" allowed for quick adjustments in tactics based on battlefield conditions, which can be mirrored in business by creating cross-functional teams that can respond rapidly to market demands [3][9] Talent Management - Effective talent allocation is crucial. Companies can learn from Qi Jiguang's approach of placing individuals in roles that match their strengths, which aligns with contemporary talent management practices [3][10] - A company in Guangxi has implemented a classification system for employees, categorizing them into three types (A, B, C) to optimize their contributions based on their skills [3][10] Modern Applications - The article discusses how companies like Huawei and KaiGe Precision Machinery have successfully implemented small unit strategies, enhancing decision-making speed and project delivery times [7][18] - Huawei's "Iron Triangle" model exemplifies how empowering frontline teams with decision-making authority can lead to improved customer responsiveness and satisfaction [7][9] Challenges and Solutions - While the small unit approach offers numerous advantages, it also presents challenges such as balancing power delegation and maintaining oversight. Companies can adopt leadership roles similar to military captains to ensure effective coordination [17][18] - The need for a well-designed incentive system is highlighted, as seen in KaiGe Precision Machinery's diverse reward mechanisms that foster employee engagement and innovation [18] Strategic Alignment - The success of small operational units hinges on the alignment of strategy, organization, and culture. Historical examples demonstrate that organizations must adapt their structures and collaboration methods to meet external demands [20][22] - The article concludes that organizations should embrace a hybrid approach, combining the discipline of traditional structures with the flexibility of small units to thrive in a rapidly changing business environment [20][22]

Core Viewpoint - The conference emphasized the importance of innovation and long-term vision for companies in navigating the complexities of the digital economy and achieving high-quality development in China [2][3][4]. Group 1: Respected Enterprises - The "2024-2025 Respected Enterprises" and "Respected Leading Enterprises" were honored based on extensive research across thousands of companies and key industries, focusing on operational quality, innovation, public trust, social contribution, and annual impact [3]. - Notable companies recognized include Anta, BYD, Huawei, JD.com, Meituan, Qingdao Beer, China Ping An, and China Feihe, which are seen as pivotal in driving growth and forming the foundation for high-quality development in China [3]. - The concept of "respected" has evolved to mean that these companies should not only contribute to economic growth but also address social issues and create societal value [3]. Group 2: Role of Entrepreneurs - Entrepreneurs play an irreplaceable role in the new development cycle, focusing on long-termism and the overall welfare of stakeholders, not just short-term profits [4]. - The pursuit of being "respected" can be viewed as part of a company's premium, reflecting higher aspirations beyond mere commercial success [4]. Group 3: Innovation and Quality - High quality is deemed the solid foundation for respected enterprises, with a focus on innovation and management capabilities [7]. - Companies are encouraged to prioritize quality innovation to meet the evolving demands of consumers and navigate uncertainties in the market [7]. Group 4: Financial Sector Insights - Beijing Bank reported a 20% increase in technology financial loans and a 26% increase in green loans, emphasizing the importance of serving the real economy [9]. - China Ping An highlighted the role of AI in reshaping the financial industry, implementing a comprehensive "AI in All" strategy to enhance operations and customer service [11]. Group 5: Regulatory Environment - The implementation of antitrust laws is seen as a catalyst for improving product quality and pushing industries towards higher standards [14]. - Antitrust compliance is viewed as a means to foster fair competition, compelling companies to focus on quality products to gain market share [14]. Group 6: Future Outlook - The development of new productive forces is rooted in technological self-reliance and innovation, with China building a robust computing infrastructure to support AI and other advanced technologies [17]. - The emergence of AI and related technologies is expected to disrupt various industries, creating new opportunities for growth and innovation [17].