经济观察报
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考核压力下银行人“互助自救”:你帮我开卡,我帮你拉贷
经济观察报· 2025-07-02 10:42
Core Viewpoint - The article discusses the practice of bank employees exchanging tasks related to consumer loans and other banking services as a response to performance pressure, highlighting the implications of this behavior on the banking industry and its employees [3][15][19]. Task Exchange in Banking - Bank employees, particularly customer managers, often engage in task exchanges to meet performance indicators, especially during critical periods like the end of a quarter or half-year [2][6]. - Tasks exchanged include consumer loan testing, savings account openings, credit card applications, and personal pension account setups [2][10]. Performance Pressure - The pressure to meet performance metrics is significant, as these metrics are closely tied to employees' income, promotions, and job security [3][13]. - Employees may resort to social media to seek help from peers in completing their tasks, indicating a widespread reliance on mutual assistance within the industry [7][8]. Implications of Task Exchange - While task exchanges may provide short-term relief from individual performance pressure, they can lead to data distortion, as completed tasks do not accurately reflect market demand or customer satisfaction [15][17]. - This behavior may foster a dependency on shortcuts, potentially misleading management about the health of the business and customer needs [15][19]. Recommendations for Improvement - Experts suggest that banks should shift their performance evaluation criteria to focus on quality and customer satisfaction rather than solely on quantity [18][20]. - A more flexible and long-term oriented performance assessment system is recommended, incorporating employee skill development and customer engagement metrics [19][22].
纯粹的足球是“苏超”立身之本
经济观察报· 2025-07-02 10:42
Core Viewpoint - The "Su Super" league in Jiangsu Province is gaining popularity due to its passionate atmosphere and the genuine love for football, transcending mere technical skills and advanced tactics [1][9]. Group 1: Attendance Records - The "Su Super" league has been breaking attendance records, with a recent match attracting 43,617 spectators, surpassing previous records set just days before [2]. - The league's attendance figures are comparable to those of the English Premier League, which averages around 40,000 spectators per match [2]. - The demand for tickets is high, with over 848,000 people expressing interest in attending a recent match, indicating a strong fan base [2]. Group 2: Cultural Significance - The "Su Super" league addresses the lack of top-tier football teams in Jiangsu, resonating deeply with local fans and fulfilling their football aspirations [4][5]. - The league has attracted fans from outside Jiangsu, with over 10,000 attendees from other provinces at a recent match, accounting for more than 27% of the audience [6]. Group 3: Unique Appeal - The essence of "Su Super" lies in its pure football experience, which has drawn attention even from those who typically do not follow the sport [7]. - The league's culture is characterized by a competitive spirit among cities, with various local rivalries adding to the excitement [7]. - Emotional moments, such as fans supporting losing teams, highlight the deep connection between players and supporters, further enhancing the league's appeal [8]. Group 4: Return to Authenticity - The rise of "Su Super" reflects a broader desire for authenticity in football, moving away from the disillusionment caused by match-fixing and insincerity in the sport [10].
逼死人命,赖清德种下深仇大恨
经济观察报· 2025-07-02 10:42
为了打压政敌柯文哲以及柯文哲旗下的民众党,台湾地区领导人赖清德及其司法打手于2024年8月 启动京华城案,第一个被调查约谈的是柯文哲的副手、前台北市副市长彭振声,之后台北检方先后 约谈、拘押柯文哲等10多人,其中包括彭振声。 非绿营支持者的投票率,可以让我们一窥当今台湾社会的人情 冷暖。投票率高,则暖;投票率低,则冷。兔死狐悲,还算正 常;兔死狐不悲,人情薄如纸。无论如何,逼死一条人命,赖 清德和他的司法鹰犬已经在柯文哲家族、彭振声家族以及部分 民众党支持者(小草)心中种下了深仇大恨。这种仇恨,是会 发芽、会生长、会向后代传递的。 作者:王义伟 封图:本报资料库 7月1日(昨天)早晨,彭振声的妻子谢夏荞(72岁)于高雄住家(13楼)跳楼自杀。 谢夏荞自杀之际,彭振声正在台北地方法院出庭应讯。得知消息后,彭振声当场崩溃,当场翻供, 称自己不堪逼供,为了家人不得已作出有罪供述,现在老妻自杀,自己已经没有顾忌,所以说出真 话。 彭妻自杀的消息震惊台湾社会。台湾网络舆论及蓝营媒体纷纷认定,这是赖清德及其司法打手制造 冤案、逼死人命。绿营及绿营媒体则是惺惺作态。 沸沸扬扬的各色评论中,新北市资深媒体人罗友志发泄性的表述 ...
隆基状告仕净科技厂房火灾案终审:仕净科技担责70%,赔3736万元
经济观察报· 2025-07-02 08:20
Core Viewpoint - The final judgment in the fire damage case involving Longi Green Energy's subsidiary, Longi Leye, has been made, with Shijin Technology bearing 70% of the responsibility for the damages and a compensation amount of 37.36 million yuan [1][5]. Group 1: Case Background - The fire incident occurred on November 25, 2021, at Longi Leye's factory in Xi'an, caused by an electrical fault in the heating system installed by Shijin Technology [6][7]. - Longi Leye filed two lawsuits against Shijin Technology for damages, totaling approximately 140 million yuan, which includes 87.44 million yuan for equipment losses and 53.37 million yuan for factory losses [7]. Group 2: Legal Proceedings - On June 16, 2025, the Xi'an High Court ruled that Shijin Technology is responsible for 70% of the equipment loss, amounting to 58.08 million yuan [6][8]. - Shijin Technology plans to appeal the equipment loss ruling, indicating ongoing legal disputes [8]. Group 3: Financial Implications - The total claim of approximately 140 million yuan represents 13.72% and 12.34% of Shijin Technology's net assets at the end of 2021 and 2022, respectively [11][12]. - Shijin Technology has disclosed the legal matters in its annual reports, stating that the company has made provisions for expected liabilities, which will not impact future financial statements [12].
中国两大医药“隐形冠军”专利战曝光 千亿市场谁出局谁独享
经济观察报· 2025-07-01 11:54
Core Viewpoint - The article discusses a patent dispute between two leading Chinese biopharmaceutical companies, Heptares Therapeutics and Baiaosaitu, focusing on their antibody technology platforms, which are crucial for their revenue and cash flow [2][5]. Company Overview - Heptares Therapeutics, known as "China's BD King," provides drug development and antibody technology to global pharmaceutical companies [4]. - Baiaosaitu, referred to as "China's Mouse King," initially focused on providing transgenic mice for drug testing and has developed its own antibody technology platform [4][13]. Patent Dispute Details - The core of the patent dispute involves a technology for producing antibody drugs, which is essential for both companies' operations [5]. - Heptares' technology was acquired from a Dutch company in 2016 and received patent authorization in China in 2022 after a lengthy legal battle [6][18]. - Baiaosaitu's technology was developed internally over ten years, with claims that it could reach Heptares' level in just three months [7]. - Heptares filed a lawsuit against Baiaosaitu in September 2024, alleging patent infringement, while Baiaosaitu countered by challenging the jurisdiction and claiming Heptares' patent is invalid [7][8]. Financial Performance - Heptares has secured significant contracts, including a deal worth up to $620 million, and has generated $185 million in revenue from licensing its technology from 2020 to 2024 [11]. - Baiaosaitu's antibody business revenue reached 318 million yuan in 2024, with a year-on-year growth of over 80% [14]. Technology Comparison - The article highlights the differences in technology between the two companies, with Baiaosaitu's platform utilizing a more comprehensive gene replacement method compared to Heptares' approach [22][25]. - The dispute centers on whether the methods of producing heavy-chain antibodies are equivalent, with differing opinions on the implications of gene usage [25]. Market Impact - The ongoing patent dispute has affected the market valuations of both companies, with Heptares' stock experiencing significant fluctuations in response to developments in the case [23].
中科院院士郑海荣:马斯克的脑机接口方案“太落后了”
经济观察报· 2025-07-01 11:30
Core Viewpoint - The article emphasizes the need to explore non-invasive brain-computer interface (BCI) technologies rather than invasive methods, as proposed by Chinese Academy of Sciences academician Zheng Hairong [2][3][9]. Industry Overview - The global BCI market is projected to grow from $2.35 billion in 2023 to $10.89 billion by 2033, indicating significant investment and interest in this sector [5]. - Major players in the BCI field include Neuralink, which focuses on invasive methods, and Synchron, which has developed a less invasive approach with support from tech giants like Apple and NVIDIA [2][7]. Technological Developments - Neuralink has reported advancements in its invasive BCI technology, with patients able to control complex devices using their thoughts, showcasing a leap from simple cursor control to intricate robotic manipulation [5][6]. - Synchron has achieved key safety milestones with its BCI devices, including FDA approval for temporary implants and successful long-term trials without severe adverse events [8]. Critique of Current Approaches - Zheng Hairong criticizes the invasive methods as "brute force engineering," arguing that they fail to understand the complexity of the human brain and its evolutionary history [3][9]. - He highlights the challenges of biological compatibility in invasive BCIs, noting that many electrodes fail due to the brain's natural resistance [6]. Alternative Approaches - Zheng advocates for a non-invasive approach that utilizes external technologies like ultrasound and fMRI to read and potentially write brain signals without penetrating the skull [9][10]. - This method aims to decode brain activity by observing the relationship between blood flow and neural activity, likening it to a soldier and their supplies [10]. Future of AI and BCI - Zheng outlines a three-stage evolution of AI, with the final stage being "biological intelligence" achieved through effective BCI integration [12][13]. - He envisions a future where hospitals transform into AI-driven data centers, moving away from traditional medical practices [14]. Ethical Considerations - The article raises concerns about the ethical implications of BCI technology, emphasizing the need for strong regulations to prevent misuse and ensure human control over technology [14][15]. - Global legislative efforts are underway to protect brain data, indicating a growing recognition of the ethical challenges posed by BCI advancements [15]. Timeline for Adoption - Zheng estimates that it may take 20 to 30 years for BCI technology to become a part of everyday life for the general public [17].
充电宝风波:责任别向下转嫁,行业当向上突围
经济观察报· 2025-07-01 11:06
无论如何,不能将生产方与监管方失守的责任转嫁给处在末端 的消费者。责任不能向下转嫁,行业理应向上突围。问题充电 宝出现的根源还在于内卷式竞争带来的"劣化螺旋"。安全问题 的频现,就是倒逼充电宝行业跳出恶性竞争循环、重建健康产 业生态。 作者:佘宗明 封图:图虫创意 围绕手机充电宝的风波一直在发酵:先是北京多所高校关于罗马仕一款充电宝更易自燃的安全提 醒;随后是罗马仕和安克宣布召回超百万台问题充电宝;然后是多个品牌充电宝的3C认证被取 消、民航局通知从7月1日起禁止携带无3C(中国强制认证)标识充电宝乘机……缓解当代人电量 焦虑的充电宝,可能变成易燃易爆炸的"充电爆";一直正常使用的充电宝,突然不能带上飞机了, 难怪舆论鼎沸。 有一种声音认为,强制3C标识是从2024年8月才开始实施的,并非所有的无3C标识的充电宝都是 问题产品,民航的禁令有点"一刀切",留的缓冲期也太短。不过,飞机是个安全容错率极低的空 间,一旦出事后果不堪设想,今年以来就已发生15起充电宝在空中起火冒烟事件,民航慎之又慎 可以理解。值得探讨的是怎样在保障安全的基础上,尽可能减少消费者损失。清除充电宝安全隐 患,并不意味着要让消费者成为充电宝 ...
倾听尼山2025|丁元竹:开创人工智能时代的新型文明形态
经济观察报· 2025-07-01 11:06
当人工智能像电流一般渗透进人类的工作生活,人类文明面临 何种挑战?挑战之中人类文明将面临威胁还是跃升? 作者:冯雨晨 封图:受访者供图 编者按 2025年7月9日至10日,第十一届尼山世界文明论坛将在山东曲阜举办。 当人工智能变得越来越成熟甚至超越人的智慧,人类如何保全自己的主体性?人类文明将发生什么 样的变化、又需要何种核心价值观的支撑? 从2010年9月创立至今,尼山论坛汇集全球专家学者,汇聚世界文明智慧,共同为解决人类社 会普遍存在的问题、为人类文明的未来发展贡献智慧,正日益成为世界了解中国的重要窗口、 文明交流互鉴的重要平台、凝聚人类文明共识的重要纽带。 当下,全球政治冲突频发、各国之间经贸壁垒陡增,不同文明之间的对话显得尤为迫切。 本届尼山论坛的主题是"各美其美·美美与共——文明间关系与全球现代化",并设置了"文明的 起源与未来发展""儒家文化的世界意义和时代价值""齐鲁文化与世界文明""在全球现代化进 程中成人之美""文明视野下的家庭意义与社会发展""人工智能发展与人类文明走向"等多个分 议题。 这个世界如何才能做到各美其美、美美与共,不同的文明如何相处和互鉴,人类才能拥有更好 的未来?结合本次论 ...
披露保险退费细节 交大昂立实控人独家回应追责前任高管形式升级原因
经济观察报· 2025-07-01 11:06
Core Viewpoint - The company, Jiao Da Ang Li, has reported criminal actions against five former executives for allegedly harming the company's interests by using company funds to purchase group insurance and subsequently refunding the premiums to personal accounts [1][2][3]. Group 1: Background of the Incident - The five former executives involved are Yang Guoping, Zhu Minjun, Lou Jianying, Li Hong, and Li Kangming, who held various senior positions in the company from 2016 to 2019 [5][6]. - The company filed a criminal report with the Shanghai Public Security Bureau, transitioning from a civil lawsuit to address the alleged criminal behavior discovered during the civil proceedings [3][16]. Group 2: Details of the Insurance Transactions - The first group insurance policy was taken out in October 2016 with a total premium of 3.8 million yuan, and the beneficiaries included the five former executives [6][12]. - In November 2017, the company applied for a refund of the insurance premium, which was directly returned to the personal accounts of the five executives, totaling 1.0936 million yuan [14][17]. - A second insurance policy was purchased in 2018 for a total of 12.84 million yuan, which was also refunded to the personal accounts of the same executives in January 2019 [14][15]. Group 3: Company’s Response and Findings - The current management, led by Ji Lin, discovered these irregularities during a self-audit prompted by a tax authority inquiry into the insurance premiums [20][21]. - The management found no records of board resolutions or approval processes for these transactions, raising concerns about their legality [16][20]. - Legal experts noted that using group insurance to refund premiums to executives' personal accounts is an unusual practice and could indicate potential misconduct [18][21].
卖掉度假房
经济观察报· 2025-07-01 11:06
Core Viewpoint - The article discusses the trend of high-income individuals selling their idle vacation properties due to changing market conditions and personal financial pressures, highlighting the challenges and considerations in the real estate market, particularly in tourist destinations like Hainan and Yunnan [5][12][22]. Group 1: Market Trends - The real estate market has entered a new normal, prompting some high-income individuals to sell their idle vacation properties as part of asset allocation strategies [5][12]. - After the implementation of purchase restrictions in Hainan in 2018, property prices initially dropped but later began to recover, with average prices reaching over 30,000 yuan per square meter by 2019 [17]. - The tourism industry faced significant challenges starting in 2020, leading to a decline in property prices in popular vacation areas, with Hainan's prices falling below 30,000 yuan per square meter [18]. Group 2: Personal Financial Impact - Individuals like Li Tao have experienced substantial financial strain, with business revenues dropping nearly 40%, leading to the sale of multiple properties to cover cash flow issues [19]. - The holding costs of vacation properties, including annual maintenance fees, have become burdensome, especially when properties are underutilized [23][24]. - The decision to sell is often influenced by the realization that the properties have depreciated significantly, with some owners reporting a loss of nearly 40% in market value since purchase [26][32]. Group 3: Investment Considerations - The article highlights the shift in investment strategies among high-income groups, with many now reconsidering the viability of owning multiple vacation properties due to low utilization rates and high maintenance costs [22][30]. - The potential for rental income from vacation properties has been deemed insufficient, leading to a preference for alternative investment strategies [24][33]. - The market for vacation properties is becoming increasingly competitive, with developers offering new units at lower prices than existing second-hand properties, complicating resale efforts for current owners [35].