图片来源：Anastasiia Krivenok—Getty Images 在很多美国人看来，带双车位和白色篱笆的大房子，还有储蓄丰厚的银行账户，这一梦想已逐渐褪色。 但对去年37.9万美国新晋百万富翁而言，梦想正照进现实。 据投资银行瑞银的最新数据，2024 年美国每天（包括周末）新增超1000名百万富翁，超高净值人群比 例增长1.5%。 如今以美元计美国百万富翁人数已居全球之首，是中国的四倍，更超过法国、英国、德国、加拿大、日 本和澳大利亚百万富翁人数总和。 百万富翁人数激增背后，主要原因是房地产升值，不过美股创纪录的表现也功不可没。 新创办人工智能独角兽或金融科技公司并不现实，不过普通美国人正通过其他渠道积累财富。保险和养 老金计划（如 401 (k)）已成为稳健增值的主流方式，只是Z世代尚未完全接受。即便近期市场表现低 迷，股票等金融投资手段还是能迅速实现财富增值，尤其是在海外市场。 对于想通过房产跻身百万富翁的人们，白手起家的房地产大亨芭芭拉・柯克兰给出了关键建议。面对房 贷利率，人们总会犹疑观望，这位真人秀Shark Tank上的投资大佬表示，利率非个人能左右，择机入市 是上策。 "我的建议是立即 ...

Core Insights - The article discusses how the AI revolution is reshaping the design industry, emphasizing the collaboration between human designers and AI to enhance creativity and functionality [1] - It highlights the importance of empathy and ethical considerations in design, suggesting that human designers will focus on understanding unspoken needs and ensuring alignment with human values [1] Summary by Sections Section 1: AI's Impact on Design - AI is transforming the design process by enabling the creation of innovative solutions that combine functionality with aesthetic appeal [1] - Examples include sports brands using AI for shoe designs and smart home companies generating kitchen scenarios to assist users with disabilities [1] Section 2: Evaluation Criteria for Design - The evaluation of designs will consider four main dimensions: 1. Whether the design advances business models and has commercial potential 2. Its contributions to environmental protection, social equity, and support for vulnerable groups 3. Its ability to help people navigate rapidly evolving digital technologies and their societal impacts 4. Promotion of user-centered design thinking within organizations [2] Section 3: Community Engagement - The article encourages community engagement by inviting readers to share their thoughts and insights on the topic, indicating a collaborative approach to discussing design innovations [3] Section 4: Previous Rankings - References to past rankings of the best designs in China, indicating a continuity in recognizing impactful design [4]

Core Viewpoint - The article discusses the competitive landscape of China's AI chip industry, highlighting the recent stock performance of leading companies like Cambricon and the implications of new IPOs from emerging players like Moore Threads, Muxi, and Biren Technology [1][2][6]. Group 1: Stock Performance and Market Dynamics - Cambricon's stock price surged nearly fourfold last year, reaching a historical high of 818.87 yuan, but has since corrected by about 30% [1]. - The entry of new players into the IPO market is expected to increase competition for Cambricon, potentially leading to a collapse of its stock price bubble [1][2]. - The recent announcement by Siemens and other EDA giants to lift export restrictions to China adds complexity to the domestic chip industry [1][5]. Group 2: IPO Developments - Biren Technology plans to go public in Hong Kong in the third quarter, with the possibility of submitting its application as early as August [1]. - Moore Threads and Muxi's IPO applications were accepted by the Shanghai Stock Exchange, indicating a faster approval process for their listings [2]. - Both Moore Threads and Muxi aim to capitalize on the domestic GPU market, with Moore Threads planning to raise 8 billion yuan for AI training chip development and Muxi seeking 3.9 billion yuan for general-purpose GPU and AI inference chip R&D [2]. Group 3: Industry Challenges and Opportunities - The geopolitical landscape has opened a window for China's chip industry, as NVIDIA's market share in China has dropped from 95% to 50% due to U.S. export controls [2]. - Despite rapid revenue growth, companies like Moore Threads and Biren Technology face challenges such as high R&D costs and ongoing losses, with projected revenues of 438 million yuan and net losses of 1.49 billion yuan for Moore Threads in 2024 [2]. - The lifting of EDA software export restrictions by the U.S. provides temporary relief but highlights the ongoing strategic competition between the U.S. and China in the semiconductor sector [5][6].

7月2日，《财富》（中文版）发布了2025年中国最具影响力的商界女性榜单（Most Powerful Women，简称MPW）。这份榜单始于2010年，在过去的十多 年里，中国商界几乎所有重要的女性领导者都在其中有迹可循。 立讯精密的王来春连续第三年位列榜首。曾经是流水线工人的王来春创立了立讯精密，并将其从一家小型代工厂发展为《财富》世界500强企业。 "果链"企业的女性创始人们在今年的榜单上引人瞩目。 和王来春一同登上这份榜单的同行还包括蓝思科技的周群飞和领益智造的曾芳勤。她们在全球政 治经济局势复杂多变的背景下，通过全球产能布局、核心技术创新、多元化客户结构、积极切入新能源汽车和人工智能（AI）硬件等新赛道，来应对不 确定性。立讯精密在一份声明中表示：公司始终将风险控制前置到战略决策中。 "果链"不仅仅是一套难以被复制的制造生态系统，更是中国制造向中国创造跃升过程的缩影，彰显了中国企业在地缘政治动荡中的定力与韧性。 中国的创意经济在数字技术的驱动下展现出巨大活力。 由高准担任首席财务官的字节跳动是全球最重要的社交媒体公司，估值已经超过3,000亿美元，该 公司也在AI赛道上加紧步伐，其豆包大模型成为自De ...

Pinterest首席执行官比尔·雷迪（Bill Ready）无视华尔街的反对声浪，坚持保护社交媒体中的儿童群体，并取得巨大成 功。图片来源：PATRICK T. FALLON—AFP/Getty Images 三年前，Pinterest首席执行官比尔·雷迪做出令华尔街不满的决策：将用户长期福祉置于短期参与度指标 之上，即使这意味着眼睁睁看着公司股价暴跌。 这一赌注已见成效。这家视觉发现平台如今拥有超5.7亿活跃用户，其中Z世代用户占比超40%——这是 其规模最大且增长最快的用户群体。 自2022年6月雷迪接任首席执行官以来，Pinterest股价已飙升86%，不过相较于2021年2月新冠疫情期间 创下的历史高点，仍下跌58%。 雷迪在戛纳国际创意节接受《财富》杂志采访时表示："积极向上的内容能带来可观的商业效益。我们 能够凭借践行正确之事收获成功，这本质上关乎短期利益与长期利益的权衡。" 自接任Pinterest首席执行官以来，雷迪最具争议的举措发生在2023年，彼时Pinterest成为首个将16岁以下 用户账户默认设为"仅私密可见"的主要平台，此举旨在防止网络陌生人搜索到年轻用户，同时对部分社 交功能加 ...

壳牌CEO瓦埃尔·萨万。图片来源：Aaron M. Sprecher—Bloomberg/Getty Images 壳牌（Shell）进一步否认了收购竞争对手英国石油公司（BP）的说法，声称其"无意"提出收购要约， 同时援引了一项英国法律，除少数例外情况以外，该法律禁止壳牌在未来六个月内竞购英国石油公司。 6月26日的这一消息发布之前，有报道称壳牌已就收购英国石油公司进行早期谈判，若交易达成，这很 容易成为本世纪——即使不是有史以来——规模最大的能源交易。但随着壳牌似乎选择退出（至少目前 如此）以专注于内部业绩表现，陷入财务困境的英国石油公司却没有任何其他明确的潜在收购方。这家 英国能源巨头正在寻求通过成本削减、加大化石燃料投资和剥离可再生能源资产进行"硬重置"以实现转 型。 壳牌在一份事先准备好的声明中表示："针对近期的媒体猜测，壳牌兹澄清，其并未积极考虑向英国石 油公司提出收购要约，并确认其未曾就可能的收购要约与英国石油公司接洽或进行过任何谈判。" 该声明是根据英国收购守则中的一项规则发布的，该规则禁止壳牌在接下来六个月内改变其声明立场， 除非获得英国石油公司董事会的同意、有另一家公司竞购英国石油公司，或 ...

Core Viewpoint - Guizhou Zhenjiu has launched its new flagship product "Dazhen·Zhenjiu (Zhenjiu·2020 Real Vintage)", which aims to solidify its competitive position in the premium liquor market by offering high quality and value to consumers [1][10]. Product Quality - "Dazhen·Zhenjiu" is crafted from over 200 different high-quality base liquors, with a production time dating back to or before 2020, and includes 20-year-old aged liquor for flavoring, resulting in a complex and rich taste profile [1][10]. - The liquor features a distinctive yellow transparency, strong sauce aroma, and a harmonious blend of flavors, characterized by a long-lasting aftertaste and unique floral and fruity notes [1]. Packaging Design - The product adopts a minimalist design style, featuring a core visual symbol of the character "Zhen" written by Shen Zhou, enhanced by a three-dimensional gold embossing technique [4]. - The bottle cap is designed for high sealing to prevent evaporation, while the bottle is wrapped in traditional non-heritage rice paper, adding cultural significance [4]. Anti-Counterfeiting Measures - "Dazhen·Zhenjiu" incorporates a four-layer anti-counterfeiting system, including a unique identity code for each bottle and NFC functionality for tracing storage details, ensuring authenticity [7]. Environmental Considerations - The product uses biodegradable materials and reusable glass packaging, promoting a low-carbon and environmentally friendly approach [8]. - In 2024, Zhenjiu plans to produce 44,000 tons of liquor and store 100,000 tons of high-quality base liquor, maintaining a leading position among Guizhou liquor companies [8]. Market Strategy - Zhenjiu has established a presence in five core markets: Guizhou, Henan, Shandong, Guangdong, and Hunan, with a robust distribution network to support the rapid penetration of the new product [8]. - Industry experts believe that "Dazhen·Zhenjiu" is strategically positioned in the premium liquor segment, with its high scarcity, distinctive packaging, and cost-effectiveness likely to make it a popular choice for business banquets and high-end gifting [10].

图片来源：视觉中国 5月下旬的一天，全球体量最大的一艘汽车运输船——比亚迪"深圳号"完成了它的跨洋首航。从江苏太仓港出发，"深圳号"搭载着7300台全新的比亚迪电 动汽车，历经30余天2万公里的航行后，停靠在了巴西东南部的伊塔雅伊港。 这艘缓缓入港的巨无霸令周围的船只相形见绌："深圳号"全长220米，船身漆成红白鲜明两色，印着巨大的"BYD"标志，上下共16层甲板，满载时可搭乘 9200辆车，相当于能一次把停满 20 个足球场的汽车海运到世界各地。 比亚迪在去年年底超越特斯拉，成为全球纯电动汽车销量冠军，而巴西是它最主要的出口市场之一。但不只比亚迪发现了巴西巨大的市场潜力。事实上， 中国车企正集体"卷"向这个南美国家，试图在竞争日益白热化的中国本土市场以外，找到新的产能出口。 而2025年的前六个月，中国产的新能源车如潮水般涌向巴西，更是为了抢在一项关税豁免政策到期之前，完成交付，抢滩市场。 在今年7月之前，巴西对插电式混合动力车（PHEV）和纯电动车（BEV）分别设有约1.69亿美元和2.26亿美元的免税进口额度。这项政策到期之后，中国 车企立即面对25%的进口关税，而巴西强大的汽车制造业游说团体还在呼吁政 ...

在20世纪30年代之前，无论在欧洲还是美国，人们获取物资的主要来源是"Grocery"，即杂货店——这是一种只有数百个SKU，顾客不能在货架之间随意 挑选的商店。这种小型杂货店不仅意味着售卖效率低、店员劳动强度大，而且所有商品都没有明码标价，需要消费者与店员不断讨价还价，无论是商品丰 富度还是交易便捷度都十分不具优势。 数字化浪潮席卷全球，千行百业无不经历着前所未有的变革，而作为贯穿人类数千年历史的零售行业，更是站在了这场变革的风口浪尖。随着互联网技术 的飞速发展、消费者行为的深刻变化以及市场竞争的日益激烈，传统零售企业面临着前所未有的挑战与机遇。如何在数字化时代重塑自身竞争力，实现转 型升级，成为摆在每一位零售企业领导者面前的关键课题。 1930年8月，美国人Michael J. Cullen创办了世界上第一家超市King Cullen，庞大的占地面积、明码标价且物美价廉的大量商品以及可供顾客自行选购的开 放式货架成为了超市这一商业模式最显著的特征，为欧美社会乃至全球带来了一场商业革命。 在泰国，有这样一家诞生于商业社会极速变革年代的企业，它不仅在过去的数十年中从一家小小的超市成长为东南亚市场首屈一指的零售 ...

Core Viewpoint - The article emphasizes the importance of managing funds between checking and savings accounts to maximize financial stability and returns, suggesting specific amounts to hold in each type of account based on individual financial situations [14]. Group 1: Checking Accounts - Checking accounts are designed for frequent access to funds, typically used for paying monthly bills such as rent, loans, and credit card payments [2]. - Most checking accounts allow easy access to funds through debit card purchases, ATM withdrawals, or electronic transfers [3]. - Checking accounts generally offer low or no interest rates, with the average interest rate in the U.S. being 0.07% APY, making them unsuitable for long-term savings [4]. - It is advisable to keep only a small buffer in checking accounts, typically enough to cover one to two months of expenses, to avoid overdraft fees and account management fees [5]. Group 2: Savings Accounts - It is recommended to keep three to six months' worth of living expenses in a savings account as an emergency fund [6]. - High-yield savings accounts or money market accounts currently offer interest rates around 4% to 5%, significantly higher than traditional savings accounts [7]. - Opening a high-yield savings account can help maximize savings, as some accounts offer rates over 4%, which is more than ten times the national average [9]. - Establishing an emergency fund is crucial, with experts suggesting that individuals with dependents should aim for six to twelve months of expenses [13]. Group 3: Financial Planning - A balanced financial plan should include a reasonable amount in checking accounts for immediate expenses and additional savings in high-yield accounts for future needs [14]. - It is wise to compare different banks to find accounts with high interest rates and low fees, and to consider multiple savings accounts for different financial goals [14].