N通讯员 沈晓霞 （来源：南湖晚报） 转自：南湖晚报 行动过程中，经开分局执法人员聚焦关键环节。针对小美容店，重点检查化妆品进货台账是否完整、产 品是否存在无中文标签、过期、未备案等问题；针对小药店，严厉查处处方药销售不规范行为，特别 是"先销售后补处方"、处方药未严格执行凭处方销售等突出问题；针对小诊所，重点核查医疗器械购进 验收记录、药品储存条件（如避光要求）及拆零药品可追溯性等。同时，执法人员全面排查经营场所药 品、医疗器械、化妆品着地堆放、混区存放等不规范情形，确保经营行为全程合规。 为切实规范辖区小美容店、小药店、小诊所经营行为，压实经营主体责任，连日来，平湖市市场监管局 经开分局（以下简称"经开分局"）多措并举持续深入开展专项整治行动，着力推动"三小"行业整体规范 水平提质增效，保障群众用药用妆安全。 据了解，本次"回头看"检查在前期日常检查、专项整治已发现问题的基础上，进行有针对性的深度复 查。检查内容包括化妆品进货查验记录制度是否落实、是否存在使用过期或未备案化妆品、药品储存条 件是否符合要求、处方药是否凭处方销售、是否存在执业药师挂证现象、是否存在使用过期失效药品器 械的行为等。 在检查过程 ...

2025年,济宁市银行业协会(以下简称"协会")在济宁金融监管分局党委的坚强领导下,牢牢把握"自律、维 权、协调、服务"核心职能,聚焦党建引领、行业规范、风险防控、消费者权益保护四大重点,精准发力、 多点突破,推动全市银行业健康稳定发展,多项工作走在全省前列,为区域银行业高质量发展注入强劲动 力。 自律维权筑防线 党建引领聚合力 筑牢发展政治根基 协会始终坚持以党建为统领,推动党建工作与业务工作深度融合,构建起职责清晰、运转高效的党建工作 体系。在理论学习方面,依托"三会一课"、主题党日等载体,制定支部年度学习计划,推动理论学习入脑入 心,切实把学习成效转化为"助力监管、服务会员、服务社会"的履职效能。采用专家授课、案例学习与 研讨等形式,持续筑牢党员干部的思想根基与行动自觉。 在组织建设上,协会稳步推进党组织规范化建设,完成3名党员组织关系转接,成立支部委员会并明确支委 分工,形成权责明晰的治理架构。高标准召开组织生活会,开展民主评议党员工作,评选优秀党员1名,树立 先进典型。创新开展党建共建,与任城区人民法院第六党支部签订共建协议,联合成立银行纠纷人民调解 委员会驻金融巡回法庭服务站,构建起"党建+业务" ...

Core Viewpoint - The performance decline of Wanfu Biological is attributed to the dual constraints of centralized procurement and industry regulations in the IVD sector, significantly impacting pricing and sales volume [1][13][17]. Financial Performance - Wanfu Biological's 2025 earnings forecast indicates a net profit of 46 million to 69 million yuan, representing a year-on-year decline of 87.71% to 91.81% [1][14]. - For the first three quarters of 2025, the company reported a main revenue of 1.69 billion yuan, down 22.52% year-on-year, and a net profit of 134 million yuan, down 69.32% [2][15]. - The third quarter alone saw a main revenue of 445 million yuan, a decline of 26.66% year-on-year, with a net loss of approximately 55.46 million yuan [2][15]. Market Conditions - The IVD market in China experienced a 5.9% decline in size during the first three quarters of 2025, with the biochemical and immunological sectors showing the most significant downturn [20]. - The A-share IVD sector reported total revenue of 27.62 billion yuan, down 14.5% year-on-year, and a net profit of 4.49 billion yuan, down 26.4% [20]. Pricing and Procurement Impact - The IVD industry is facing significant price pressure due to centralized procurement, with some product prices dropping by over 70% [17]. - As of 2024, five rounds of provincial alliance centralized procurement have been completed, covering core products and regions [17]. Regulatory Environment - New policies from the National Health Commission aim to standardize inspection and testing results across medical institutions, which may further impact sales volumes by reducing unnecessary repeat tests [5][19]. - The "minimum necessary" principle has been emphasized in recent regulations, mandating a review of clinical necessity for various testing projects [6][19]. Accounts Receivable Concerns - Wanfu Biological's accounts receivable have surged, with turnover days increasing from 32 days in 2022 to 172 days in 2023, raising concerns about potential impairment risks [12][22]. - As of the last report, accounts receivable amounted to 1.046 billion yuan, accounting for approximately 60% of the company's revenue [22]. Business Segmentation - Chronic disease detection is the largest business segment for Wanfu Biological, contributing 44.66% of revenue, while infectious disease detection accounts for 34% [22][23]. - Both segments have seen significant revenue declines, with chronic disease management revenue dropping by 26.06% and infectious disease revenue by 21.14% year-on-year [22]. Future Outlook - The impact of centralized procurement is expected to persist until 2026, with ongoing challenges anticipated for Wanfu Biological's performance [1][21]. - The company is focusing on stabilizing its overseas business, which is seen as a crucial support for sustainable growth [25].

Core Viewpoint - The incident involving a tea shop employee creating "handmade milk tea" videos has sparked significant discussion, highlighting the need for industry professionals to maintain a sense of respect for their roles and adhere to professional standards rather than prioritizing entertainment value [1] Industry Concerns - The actions of the involved employees blurred the lines between personal entertainment and professional identity, as they were seen in uniforms performing staged actions, which could mislead consumers about the brand's image [1] - The incident has raised concerns about the lax safety awareness among some industry practitioners, emphasizing that food safety is a non-negotiable standard that should not be compromised for the sake of viral content [1] Legal and Regulatory Implications - Legal experts have pointed out that even using discarded materials for entertainment purposes violates food safety laws and operational regulations, indicating potential legal repercussions for such actions [1] Brand Reputation - Although the involved brand acted quickly to address the situation, the ongoing public discourse serves as a reminder that a brand's core competitiveness stems from long-term quality assurance and the trust established with consumers, rather than from gimmicks aimed at attracting attention [1]

Core Viewpoint - The article highlights the challenges consumers face regarding refund policies in the online service industry, particularly in travel, entertainment, and hospitality sectors, where strict no-refund policies and high penalties for cancellations are prevalent [1] Group 1: Consumer Experiences - A consumer named Chen faced a non-refundable policy for a tour package, despite the cancellation not affecting the travel agency's ability to regroup [1] - Another consumer, Guo, encountered difficulties in obtaining a refund for movie tickets, with the platform initially refusing to process the request based on its own rules, which were later contradicted by the cinema [1] - Wang, who had to cancel a hotel reservation due to a medical emergency, was initially denied a full refund by the platform but succeeded after directly contacting the hotel [1] Group 2: Legal and Regulatory Insights - A court case in Haidian District ruled against a strict no-refund policy, emphasizing that businesses should not impose excessive penalties when consumers cannot fulfill their contracts due to unforeseen circumstances [1] - Legal experts argue that consumer protection laws prohibit unfair terms that limit consumer rights, suggesting that clauses stating "no cancellations under any circumstances" are invalid [1] - Recommendations include the establishment of tiered refund policies by industry associations or regulatory bodies to balance consumer rights and business costs, promoting fair practices in the industry [1]

Core Viewpoint - The Lithium Iron Phosphate (LFP) Materials Subcommittee of the China Chemical and Physical Power Industry Association has issued a notice to its members to standardize industry development and set a price floor to prevent vicious competition [1] Group 1: Industry Challenges - The industry has faced continuous overall losses and disordered competition for several years [1] - There is a significant issue of low-price competition leading to internal market turmoil [1] Group 2: Regulatory Measures - Members are required to use the cost range for specific specifications of LFP materials disclosed on November 18 as a pricing reference, which is between 15,714.8 yuan/ton and 16,439.3 yuan/ton, excluding lithium carbonate costs and taxes [1] - Members must report production capacity and other data by the 5th of each month [1] - The notice advises caution in capacity expansion to curb vicious competition and promote healthy industry development [1]

Core Viewpoint - The lithium iron phosphate industry in China is facing continuous overall losses, leading to chaotic competition and low-price undercutting, threatening the survival and sustainable development of the entire industry [1] Industry Developments - The China Chemical and Physical Power Industry Association will issue a notice regarding the reference cost index for lithium iron phosphate and the standardization of industry development [1] - The notice suggests that companies should use the industry average cost range disclosed by the association on November 18 as an important reference for pricing, avoiding price dumping that exceeds cost thresholds [1] - Starting this month, the association will disclose the industry average cost range monthly, providing authoritative regulatory guidance for company pricing [1] Data Reporting Requirements - The association recommends that companies fulfill their obligation to report information, requiring them to submit accurate and complete data on capacity, output, and inventory to the association on a monthly basis [1] - This data will serve as an important reference for resource allocation within the industry [1]

Core Insights - The fitness industry is facing challenges due to low entry barriers, inadequate training, and chaotic certification management, which harm consumer rights and confidence [1][2] - The lack of unified and authoritative industry standards leads to a disordered environment, allowing profit-driven entities to exploit the situation [1] - There is a pressing need to establish a systematic and effective industry regulation framework to enhance the professional image of fitness trainers [1] Industry Standards - A clear and strict entry threshold for fitness trainers should be established, including core knowledge, practical skills, and ethical standards [1][2] - Collaboration between relevant departments and industry organizations is essential to create a nationally recognized mandatory qualification system [1] Training and Certification - A nationwide unified training and assessment standard should be developed, emphasizing subjects like exercise physiology, injury prevention, and emergency response [2] - A regular supervision and evaluation mechanism for training institutions must be implemented to ensure compliance and quality [2] - The credibility of professional qualification certificates needs to be restored by regulating issuing bodies and processes, and by establishing a recognized core certification system [2]

Group 1 - The new tax regulations on gold trading provide significant tax cost advantages for companies that are members of the Shanghai Gold Exchange compared to non-member companies [1] - Over the long term, the industry operating environment is expected to become more standardized, leading to market share concentration among leading companies with qualification, scale, and brand advantages [1] - This concentration of market share creates a more favorable operating environment for the business development of the company [1]

Core Points - The article discusses the launch of the "Hangzhou Delivery Industry Convention" by Meituan, which is the first of its kind in Zhejiang Province, aimed at regulating the online delivery industry and promoting healthy development [1][2] - The convention was signed by representatives from seven delivery platforms, including Ele.me and Dada, emphasizing platform responsibilities, worker behavior standards, and service assurance mechanisms [1] Group 1: Platform Responsibilities - The convention outlines clear requirements for platform management, focusing on fair competition, professional ethics training, and safety management [1] - It emphasizes the need for platforms to ensure compliance with industry standards and to foster a responsible operational environment [1] Group 2: Worker Behavior Standards - Delivery personnel are required to adhere to traffic regulations, properly handle food items, and cooperate with community safety management [1] - The convention promotes civilized service, proper parking, and participation in hazard identification and emergency reporting [1] Group 3: Service Assurance Mechanisms - The convention calls for improved emergency response and conflict resolution mechanisms, with service stations equipped with firefighting and first aid equipment [1] - It aims to enhance the management and service level for new employment groups within the delivery industry [1] Group 4: Additional Initiatives - Meituan has initiated a "civilized travel reward" program, offering financial incentives for riders who do not run red lights [2] - The platform has introduced a "safety rights score" system to encourage riders to prioritize safety over merely increasing delivery volume [2] - Meituan is also the first external delivery partner to establish a local branch in Hangzhou, promoting localized operations for delivery service providers [2]