新华社音视频部制作 【纠错】 【责任编辑:王雪】 记者：王悦阳 编导：徐宁 ...

12月19日，金融监管总局就《保险公司资产负债管理办法（征求意见稿）》（下称《办法》）公开征求意 见，为期一个月。 作为保险业新"国十条"（即《国务院关于加强监管防范风险推动保险业高质量发展的若干意见》）的配套文件 之一，《办法》设立有效久期缺口、综合投资收益覆盖率、净投资收益覆盖率、沉淀资金覆盖率、压力情景下 流动性覆盖率作为监管指标，推动强化改进资产负债管理架构、政策和程序。 2018年以来，监管部门发布了《保险资产负债管理监管暂行办法》和财产保险公司资产负债管理能力评估规 则、财产保险公司资产负债管理量化评估规则、人身保险公司资产负债管理能力评估规则、人身保险公司资产 负债管理量化评估规则、资产负债管理报告等5项监管规则，初步构建起符合国内保险行业特征的资产负债管 理和监管体系。 去年发布的新"国十条"要求进一步"强化资产负债联动监管"，同时，明年起保险业全面实施新会计准则，资产 负债匹配指标口径将随之发生调整，利率波动对资产和负债的影响显著增加，对资产负债管理提出更高要求。 "《办法》聚焦资产和负债管理脱节、政策和程序不清晰、指标缺乏监管标准以及监管措施不足等问题，补足 制度短板。"金融监管总局有关司 ...

"虽然国内汽车市场已进入'高销量低增长'周期，但我国新能源汽车保有量占比仍将快速提升，明年销 量有望突破2000万辆。"日前，在中国电动汽车百人会论坛（2026）媒体沟通会上，车百会理事长张永 伟的一番话，引发舆论热议。 汽车是国民经济的战略性支柱产业，也是唯一在制造业与消费端双重占据核心地位的产业。去年，我国 汽车业实现营收10.65万亿元，占制造业比重达10%；汽车类商品零售额5.03万亿元，占社会消费品零售 总额比重同样稳定在10%。尤其是我国新能源汽车蓬勃发展，不仅是代表新质生产力的"中国名片"，也 成为扩内需、促消费的重要引擎。仅去年，我国新能源汽车整车消费便超2万亿元，有力带动了产业链 上下游及相关产业的协同发展，形成巨大经济社会效益，为经济高质量发展注入强劲动力。 近期召开的中央经济工作会议提出，坚持内需主导，建设强大国内市场。新能源汽车作为全球汽车产业 转型升级的战略方向和绿色大宗消费品，仍有较大市场需求潜力待激活释放。 激活农村市场消费潜力。与城市新能源汽车消费强劲相比，当前我国农村地区新能源汽车渗透率偏低。 有数据显示，去年我国农村地区每百户新能源汽车保有量仅为城市一半。这意味着，我国农村 ...

激活农村市场消费潜力。与城市新能源汽车消费强劲相比，当前我国农村地区新能源汽车渗透率偏低。 有数据显示，去年我国农村地区每百户新能源汽车保有量仅为城市一半。这意味着，我国农村地区新能 源汽车销售依然有较大增长空间。需求引领供给。车企应加大力度，丰富产品供给，开发适配农村场景 的车型，积极扩大新能源汽车在农村地区的消费。同时，相关部门要组织新能源汽车售后维保服务企 业，充换电服务企业，保险、信贷等金融服务企业协同下乡，持续优化农村地区新能源汽车应用配套环 境，推动农村地区新能源汽车渗透率稳步提升。 优化"两新"政策实施。"大规模设备更新和消费品以旧换新"政策，作为推动我国经济转型升级和创新发 展的重要举措，自实施以来，为汽车市场带来新的增量空间，也促进了汽车产业加速构建智能网联新生 态。商务部数据显示，今年前11个月，汽车以旧换新超1120万辆，带动相关商品销售额超万亿元。不 过，在深入实施过程中，也暴露出一些新问题，影响了部分消费者的换购积极性。及时对现行补贴政策 进行优化，使其更具针对性和适应性，能更大程度地激发消费者"以旧换新"热情，带动更高技术、更加 智能、更优体验的新能源汽车消费。 延伸汽车消费链条。 ...

Core Viewpoint - Guangxi Zhuang Autonomous Region is implementing an action plan to cultivate advanced manufacturing clusters, aiming to establish a comprehensive system that includes national and regional clusters by 2027 [1][2]. Group 1: Key Tasks - The plan outlines five key tasks: building a collaborative innovation network, accelerating the integration of intelligence and green development, strengthening high-quality enterprises within clusters, creating a favorable industrial development ecosystem, and enhancing governance modernization [1]. - By 2027, the goal is to establish one national-level advanced manufacturing cluster and twenty regional-level advanced manufacturing clusters [1]. Group 2: Collaborative Innovation Network - Guangxi will focus on creating a collaborative innovation network led by enterprises, developing technology innovation and industrial development roadmaps for each cluster [1]. - High-level collaborative innovation platforms will be constructed, supporting leading enterprises in participating in major national and regional innovation platform projects [1]. - The plan includes promoting the application of innovative technologies and developing new industries through technology innovation service institutions and industry chain extension projects [1]. Group 3: Intelligent and Green Development - The region will promote the intelligent and digital upgrade of clusters, implementing the "Artificial Intelligence + Manufacturing" initiative to create application scenarios and high-quality industrial data sets [2]. - There will be a focus on green and low-carbon transformation, establishing circular coupling industries and promoting green development in common industry segments [2]. - The plan encourages the integration of "manufacturing + services," promoting service-oriented manufacturing models and guiding cluster enterprises to provide extended services such as R&D design and diagnostic testing [2].

补能效率和补能体验将成为消费者购买新能源汽车时的重要考虑因素。国家能源局有关负责人表 示，我国新能源汽车已进入规模化快速发展阶段，充电设施作为新能源汽车产业的关键支撑，其服务能 力直接影响消费者购买信心。近年来，我国充电基础设施快速发展，服务能力能够基本满足现阶段新能 源汽车充电需求，但仍存在公共充电网络布局不均衡、设施功能结构待优化、居住区服务供给不充分、 供电保障有待加强、运营管理质效有待提升等问题。 二是练好内功。车企要在保证产品质量的基础上增强成本控制能力，通过技术创新和服务优化提升 产品竞争力。新能源汽车购置税新政策将减免资格与技术要求挂钩，不符合标准的车型无法享受优 惠。"这将加速行业'洗牌'，促进产业提质升级。"林超表示，企业将加大研发投入，调整车型定义和技 术研发方向。例如，插电式(含增程式)混合动力乘用车纯电动续驶里程应满足有条件的等效全电里程不 低于100公里。 三是贴近需求。车企应强化新能源汽车消费趋势研判，适时推出更符合消费者需求的车型。工业和 信息化部等6部门日前联合印发《关于增强消费品供需适配性进一步促进消费的实施方案》，智能网联 汽车作为重点布局的3个万亿元级消费领域之一，有望迎 ...

Group 1 - The collaboration between Cai Ji Town in Suqian City, Jiangsu Province, and food processing enterprises has led to the refined production of dried radish, which is well-received by consumers [2] - The dried radish processing industry has created job opportunities for over 30 individuals in the local area, contributing to an annual income increase of 30,000 yuan for local farmers [2]

"海底藏着3900吨黄金！"这则消息近日引爆全网。山东烟台莱州三山岛北部海域发现的亚洲最大海底金矿，不仅刷新了我国黄金储量纪录，更可能改写全球 黄金产业格局。面对这片蔚蓝之下的"金山银海"，我们究竟该如何开采？中国又能否借此冲击全球黄金定价权？ 沉睡海底的"黄金宝藏" 这片位于莱州湾的海底金矿，堪称大自然馈赠的"国之大礼"。3900吨的储量意味着什么？这相当于我国现有黄金储量的26%，足以让烟台这座"中国金都"的 称号更加名副其实。更令人振奋的是，这是亚洲目前发现的最大海底金矿，其战略价值不言而喻。 但海底采矿从来不是易事。与陆地开采相比，海底金矿开采面临着海水腐蚀、高压环境、生态保护等多重挑战。澳大利亚、加拿大等国虽已开展海底采矿， 但仍处于探索阶段。中国要开发这片海底金矿，必须在技术创新上下足功夫。 中国深海采矿的"黑科技" 面对深海开采的世纪难题，中国工程师早有准备。"蛟龙"号载人潜水器的成功研发，证明我国已具备深海作业能力。更令人期待的是，中国正在研发的智能 化采矿系统，或将改变传统的采矿模式。 这套系统包括： 这些技术的突破，不仅能提高开采效率，更能最大限度减少对海洋生态环境的影响。特别是在环境保护 ...

Core Insights - Singapore serves as a global business hub, leveraging its strategic location and favorable business environment to facilitate cross-border trade and green economy initiatives [1][3] Group 1: Business Strategy - The business strategy of leveraging Singapore's pro-business policies, such as online company registration and low corporate tax rates, has enabled significant growth in advanced manufacturing and technology sectors [3] - The establishment of a global operational headquarters in Singapore allows for efficient management of research, financing, and brand development, while also utilizing the manufacturing capabilities in the Johor-Singapore Economic Zone [3] Group 2: Innovation and Technology - The integration into Singapore's vibrant startup ecosystem and collaboration with local research institutions has led to breakthroughs in green technology, particularly in photovoltaic energy storage [4] - The rapid acquisition of EU patent certification for innovative technologies demonstrates the effectiveness of Singapore's intellectual property protection and innovation support systems [4] Group 3: Market Expansion - The strategic use of Singapore's logistics advantages has facilitated the creation of a 24-hour global supply chain response network, enhancing the distribution of Southeast Asian agricultural products and smart devices to over 30 countries [3] - The focus on transforming local innovations into global market opportunities exemplifies a successful model of "local roots and global reach," contributing to both corporate growth and the vitality of Singapore's economy [4]

Core Insights - Jiangsu Lianyungang Port has optimized the entire process for exporting new energy vehicles, facilitating the accelerated overseas expansion of these vehicles [1] - From January to November this year, the export volume of new energy vehicles from Lianyungang Port reached 44,800 units, representing a year-on-year increase of 83.06% [1]