《意见》为商业健康险带来了实质性的发展机遇——既有制度 性支持（政策鼓励、试点放权、标准化推进），也明确了产品 创新、支付改革、数智化应用、长期护理保险发展与医药协同 等多个可落地的方向。 作者：姜鑫 封图：图虫创意 2025年9月30日，金融监管总局发布《关于推动健康保险高质量发展的指导意见》（下称《意见》），明 确了健康保险深化改革的方向，并提出了支持开展个人账户式长期医疗保险、分红型长期健康保险等创新 发展方向。 对于《意见》出台的背景，金融监管总局相关司局负责人表示，健康保险为被保险人因健康原因或者医疗 行为的发生而导致的财务损失提供保障，是保险业发挥筑牢社会保障网功能的重要险种，连接医疗卫生等 产业，关系国计民生。随着经济社会发展和健康中国战略的推进，人民群众健康保障需求日益提升，健康 保险重要性不断增强。 该负责人表示，健康保险在持续快速发展的同时，产品形态单一、行业经营能力不足、基础薄弱、专业机 构发展不及预期、与医疗医药协同不够等阶段性问题也逐步显现，制约了服务保障水平的提升。 《意见》分别对健康保险的主要险种，即商业医疗保险、商业长期护理保险、失能收入损失保险和疾病保 险等四大类险种的发展重 ...

汽车未来的颠覆式发展可分为两个阶段：新能源汽车和新形态 汽车。目前，新能源车已经相对成熟，而第二阶段需要的基础 条件还不具备，新形态汽车远未到来。 作者： 王高 张锐 封图：图虫创意 2025年6月，中国汽车工业协会和《人民日报》相继发文，反对新能源车企"内卷式竞争"。新能源车企不 断"卷"价格，在冲击燃油车价格下降的同时（仅2024年，燃油车新车平均降价1.3万元），也使得新能源 车的价格持续走低，均价从2023年的18.4万元降至2025年的16.1万元。 "价格战"带来的直接结果是行业利润下降。2017年，中国汽车行业的整体利润率是7.8%，到2024年只有 4.3%。新能源车企不断"卷"价格，归根结底是因为产品差异化不够，产能过大。造成这一状况有车企自身 的原因，也是汽车行业发展阶段所导致的。 汽车未来的颠覆式发展可分为两个阶段：新能源汽车和新形态汽车。目前，新能源车已经相对成熟，而第 二阶段需要的基础条件还不具备，新形态汽车远未到来。 新形态汽车的各种核心功能还在布局和进化中，新能源汽车更多是在非核心功能方面寻求差异化，如冰 箱、彩电、大沙发的配置，跑车般的外观，功能丰富的座舱娱乐系统等。而且，汽车 ...

与父辈那座承载着岁月痕迹的家庭式的养殖羊棚不同，如今老 季精心耕耘的养殖事业不仅在规模上远超父辈，经营模式更是 升级，从饲料、防疫到售卖等一系列规模化、线上化的操作模 式，已成为农业现代化的鲜活注脚。 作者： 胡艳明 封图： 受访者供图 9月20日清晨5点左右，老季像往常一样早早起床。昨天刚下过一场雨，原本炎热的天气，一下就降温了。 他开车来到黄河口滩羊产业园（下称"滩羊产业园"），沿着他的羊圈检查了一圈，一切如常。 滩羊产业园坐落于山东省东营市利津县盐窝镇，此地紧邻渤海。从青藏高原奔腾而下的黄河水，一路奔涌 至东营注入大海，而这座滩羊产业园距离黄河入海口仅几十公里。 老季是滩羊产业园众多养殖户中的一员。他所在的盐窝镇，在附近十里八乡颇有名气。尤其是过年过节的 时候，周围村镇的居民都来这里采购鲜羊肉。老季自年轻时，接过了他父亲养羊的事业，这么多年一直勤 勤恳恳地坚持了下来。9月初，他刚刚卖了1000只羊，这批出栏的羊卖了大约150万元，让他回笼了不少 资金。 不过，与父辈那座承载着岁月痕迹的家庭式的养殖羊棚不同，如今老季精心耕耘的养殖事业不仅在规模上 远超父辈，经营模式更是升级，从饲料、防疫到售卖等一系列规模 ...

经济观察报记者在小红书、抖音等社交平台注意到，目前已有 不少博主在网上分享关于"港人北上买社保、医保（参保）"等 主题的贴文，也有香港网友自述参保经验，并称这是为"回深 圳退休"做准备。 作者： 张锐 封图：图虫创意 港人北上消费又有新流行：买社保。 翁俊权（英文名：Robin，罗宾）是香港人，因曾在香港警队工作，身边的朋友习惯叫他罗宾 Sir。 从"内地工作"到"内地退休" 翁俊权在中山申请社保的起因是内地工作需要。 2021年左右，翁俊权带着家人搬至广东省中山市定居。过去两三年，随着港人北上"买买买"氛围 愈浓，翁俊权在社交平台上分享的"罗宾Sir内地生活点滴"系列视频也受到香港亲朋好友的关注。 9月28日，翁俊权向经济观察报记者表示，今年，港人北上的"购物车"越来越丰富，关于"申请内 地社保（社会保险，主要包括养老保险、医疗保险、失业保险、工伤保险、生育保险等）"成为被 咨询较多的话题。 经济观察报记者亦在小红书、抖音等社交平台注意到，目前已有不少博主在网 上分享关于"港人北上买社保、医保（参保）"等主题的贴文，也有香港网友自述参保经验，并称 这是为"回深圳退休"做准备。 9月25日以来，经济观察报记者 ...

Core Viewpoint - The competition landscape for Chinese cleaning appliance manufacturers has shifted from online traffic and technology iteration in the domestic market to channel coverage and service capabilities in overseas markets like Vietnam [1][14]. Group 1: Market Dynamics in Vietnam - In Vietnam, the sales strategy for cleaning appliances, particularly robotic vacuums, relies heavily on offline channels, with approximately 70% of sales coming from physical stores [6][10]. - The local market is characterized by a trust network built on specific locations and personal relationships, making face-to-face service crucial for consumer confidence [9][12]. - The penetration rate of robotic vacuums in Vietnam is currently below 10%, indicating significant growth potential as the market matures [16][18]. Group 2: Competitive Landscape - Chinese brands like Ecovacs, Roborock, and others have captured over 80% of the Southeast Asian robotic vacuum market, with Ecovacs holding a market share exceeding 40% in Vietnam [6][13]. - The competitive pressure from traditional brands like iRobot has diminished in the robotic vacuum segment, allowing Chinese companies to dominate [13][14]. Group 3: Sales and Distribution Strategy - Ecovacs employs a "single country single agent" model in Vietnam, partnering with a local distributor to manage marketing, sales, and after-sales service, which allows for a more localized approach [11][12]. - The company has established over 1,000 sales points in Vietnam, primarily through small family-run stores, enhancing community engagement and trust [10][12]. Group 4: Future Outlook - The cleaning appliance industry is expected to experience intense competition for the next three to five years, with opportunities for growth in overseas markets as domestic markets stabilize [16][17]. - The average income in Vietnam allows consumers to invest in cleaning appliances, with a willingness to spend on products that enhance their lifestyle [13][16].

Core Viewpoint - The development of CIPS represents both the maturity of the RMB cross-border payment technology and a significant leap in the design of financial openness systems [1][19]. Group 1: RMB's Role Transformation - The RMB is transitioning from a wholesale market to a retail market, expanding its role from a settlement tool to a complete currency function [2][4]. - The launch of the cross-border QR code unified gateway signifies a natural extension aimed at enhancing the penetration of RMB in cross-border circulation [4][5]. Group 2: CIPS Development and Expansion - CIPS has seen a nearly eightfold increase in total participants over the past decade, growing from 19 direct participants and 176 indirect participants at its inception to 176 direct and 1,552 indirect participants by August 2025 [8][17]. - The establishment of a RMB clearing bank in Turkey marks a substantial breakthrough for the RMB clearing system in the Eurasian region, enhancing the network's coverage and operational flexibility [7][13]. Group 3: Regulatory Framework and Upgrades - The release of the "RMB Cross-Border Payment System Business Rules (Draft for Comments)" represents a significant institutional upgrade for CIPS, covering all aspects from account management to risk management [10][11]. - The new rules reflect a shift from initial access guidelines to compliance norms, providing a standardized and compliant foundation for the RMB cross-border settlement system [11][14]. Group 4: Financial Infrastructure and Global Integration - CIPS is positioned as a crucial financial infrastructure that aligns with international regulatory standards, facilitating the internationalization of the RMB [14][18]. - The system's capabilities are being enhanced to support a broader range of cross-border transactions, including trade, investment, and personal remittances, thereby solidifying its role as the main channel for RMB payments [10][17].

Core Viewpoint - The article discusses the evolution of policy from "Internet Plus" to "Artificial Intelligence Plus," highlighting the differences in focus and implications for the future of technology integration in China [2][5][18]. Policy Evolution - The "Artificial Intelligence Plus" action plan was released by the State Council on August 26, 2025, aiming to deeply integrate AI with various sectors of the economy and society, outlining six key actions and corresponding developmental goals [2][3]. - In contrast, the "Internet Plus" action plan was issued on July 4, 2015, emphasizing the role of the internet as a foundational infrastructure for resource integration and innovation [3][7]. Terminology and Focus - A notable difference between the two documents is the frequency of the term "platform," which appears 62 times in the "Internet Plus" document but only 4 times in the "Artificial Intelligence Plus" document, indicating a shift in focus from platform-centric models to a broader integration of AI [4][5]. Technological and Economic Differences - The article argues that the fundamental nature of the internet as a "connector" contrasts with AI as a "cognitive" technology, leading to different policy approaches. The internet's value lies in connecting dispersed entities, while AI enhances the intelligence of individual nodes [9][10]. Industry Practices - The concept of "industrial internet" emerged from the "Internet Plus" initiative, where platform companies sought to extend their influence from consumer to enterprise sectors. However, the reality of business needs has led to a decline in enthusiasm for this strategy [11][12]. AI Integration and Future Prospects - The "Artificial Intelligence Plus" initiative aims to transition service industries from digital empowerment to intelligent-driven services, suggesting a shift in how businesses will adopt AI technologies [13][14]. - The article expresses optimism about achieving the 2027 goal of widespread AI integration across six key areas, citing lower resistance compared to the "Internet Plus" initiative [13][14]. Long-term Goals and Network Strategies - The long-term objectives for 2030 and 2035 require a network strategy to support the comprehensive development of the intelligent economy, emphasizing the need for interaction between supply and demand [16][18]. - The article notes a lack of emphasis on the internet within the "Artificial Intelligence Plus" policy, which may overlook the potential benefits of network effects in facilitating AI's growth [17][18]. Intelligent Internet Concept - The concept of "intelligent internet" is introduced as a potential framework for integrating AI and internet technologies, suggesting that the evolution from platform models to intelligent agents could enhance the effectiveness of AI applications [19][20]. - The emergence of open-source protocols for intelligent agents may facilitate a transition to a more decentralized and efficient model, breaking the dominance of traditional platform companies [19][20]. Conclusion - The article concludes that both "Internet Plus" and "Artificial Intelligence Plus" are not mutually exclusive but rather interdependent, with the potential to jointly drive China towards a new stage of intelligent economic and social development [22].

金普新区综合执法局相关人员表示，终审判决责令行政部门重 新作出处罚决定，在未重新作出决定前，暂不便介绍相关情 况。 作者： 田国宝 封图：本报资料室 在大连市金普新区和平村附近，一栋两层框架楼伫立在山脚下，四周被黑色院墙环绕，院内荒草丛生。从发黑的水泥墙体、生锈的钢筋、被枯草覆盖的 灰砖看，这栋框架楼已停工许久。 王文利从小和父母及两个弟弟在和平村的老房子中生活。2017年，王文利的父亲王德玉去世后，老房只剩下母亲由淑华一人居住。老房年久失修且位 于山脚，几个孩子担心暴雨时房子有坍塌风险，想帮助母亲翻建老宅。 2018年至2019年，王文利和弟弟多次拿着集体土地建设用地使用证、农村土地承包经营权证、房屋所有权证等手续，前往村委会、街道办和大连金普 新区城市管理综合执法局（下称"金普新区综合执法局"）咨询申请翻建房子的相关事宜。 彼时，负责农村宅基地审批的金州区农镇办在金州区和大连开发区合并为金普新区的过程中被撤销，宅基地审批职能尚未明确。 王文利说："当时街道办让我们先建房子，等有了职能部门再补办手续。" 2019年10月，新房子还未建成，金普新区综合执法局对由淑华下发《责令限期拆除决定书》，责令其于2019 ...

"新型政策性金融工具对投放项目的要求也较高，比如项目需在今年能够开工并形成实物工作量， 且具备收益、举债能力与偿债能力相匹配等。这些项目的落地，将对当前面临较大压力的经济增长 起到比较积极的作用。"上述地方政府投融资人士说。 "我们了解到，地方政府部门已经储备了多轮符合条件的项目，既有传统基建类、消费基建类项 目，也有大科技类、绿色低碳类以及物流类项目。从投资方向来看，感觉与超长期国债的投资方向 很接近。"上述地方政府投融资人士表示，这也与近几年国家投资方向高度吻合，意味着未来政府 投资会更精准。 国家发展改革委会同有关方面积极推进新型政策性金融工具有 关工作。新型政策性金融工具规模共5000亿元，全部用于补 充项目资本金。 作者： 杜涛 封图：图虫创意 9月29日，国家发展改革委政策研究室副主任、新闻发言人李超表示，国家发展改革委会同有关方 面积极推进新型政策性金融工具有关工作。新型政策性金融工具规模共5000亿元，全部用于补充 项目资本金。 东方金诚首席宏观分析师王青分析，本次5000亿元新型政策性金融工具，有望撬动投资约6万亿 元。相当于2024年基建投资总额（宽口径，24.9万亿元）的24.4%。预计 ...

Core Viewpoint - The banking industry, as a key player in the modern financial system and a vital supporter of the real economy, is increasingly engaging in the technology finance sector, with CITIC Bank leading the way by integrating technology finance into its strategic development [2] Group 1: Financial Innovation - CITIC Bank has introduced innovative financial products that focus on "future potential" rather than historical financial performance, exemplified by its first option loan transaction in August, which supports early-stage technology enterprises [5][6] - The "option loan" model allows CITIC Bank to support technology companies that lack traditional collateral, thus broadening their financing channels and demonstrating the bank's commitment to nurturing early-stage tech firms [6] - The "mid-term research insurance + technology achievement transformation loan + option loan" project creates a comprehensive support system that benefits banks, enterprises, and insurance companies [7] Group 2: Ecosystem Empowerment - CITIC Bank recognizes that technology enterprises require more than just financial products; they need comprehensive services including technical support and policy consultation to address key pain points in technology finance [10] - The establishment of a Technology Finance Center at CITIC Bank aims to integrate resources and expertise from various departments to better serve technology enterprises [11] - By collaborating with government agencies, investment institutions, and industry leaders, CITIC Bank has created five ecological circles to provide diverse financial services throughout the entire lifecycle of technology enterprises [11] Group 3: Collaborative Efficiency - CITIC Bank leverages the comprehensive advantages of CITIC Group to develop a unique financial service model, launching the CITIC Equity Investment Alliance to provide a one-stop comprehensive financial service model [14] - The CITIC Equity Investment Alliance has managed funds exceeding 320 billion and has invested in over 1,100 technology enterprises, showcasing the bank's commitment to supporting early-stage tech firms [14] - As of June 2025, CITIC Bank's technology enterprise loan balance reached 660.637 billion, reflecting an 8.14% increase year-on-year, indicating the bank's effective engagement in the technology finance sector [15]