申贷要准备什么材料？弹窗提示看不懂？怎么联系客户经理？ 看这里！ 智能信贷顾问 陪伴您在"建行惠懂你"的信贷全旅程，AI顾问7×24小时专 业服务，快捷联系线下客户经理，及时为您提供引导与帮助。 一、关键环节做提示，专业术语讲清楚 当您在贷款申请、支用、还款、续贷操作时，智能信贷顾问将在您操作的关键步骤， 以 对话气泡 的方式 为您提供实时的操作引导和解释说明。 二、遇到问题不慌张，专属服务在身旁 当您在贷款申请流程中遇到中断提示，看不懂，不会操作。别着急！您可点击抖动的 "联系客户经理"浮窗 ，系统将为您推送客户经理的电话和企业微信，您可联系客户经理帮 助您解决问题。 三、贷款办理需协助，弹窗指引不迷路 申贷、续贷有额度，别轻易放弃签约！贷款签约后可在有需要时支用，不支用不计利 息。如果对额度不满意或遇到问题，您可根据自身实际情况，选择对应按钮，反馈您的需 求，客户经理将及时为您服务。 四、产品详情看不懂，视频介绍来帮助 产品详情页专业名词看不懂，不知道申请需要哪些步骤？别担心！您可点击抖动的 "观看视频介绍"浮窗 ，观看对应的产品介绍视频，帮您快速了解贷款办理的具体流程。 *在产品详情页面停留30秒及以上 ...

北京商报讯（记者 刘卓澜 冯若男）1月16日上午，由北京市商务局指导，北京市商业联合会和北京商报社联合主办的2025年度（第十九届）北京商业论坛在 北京国际饭店成功举办。本届论坛以"潮尚聚变·新需求与新供给"为主题，汇聚政、产、学、研、媒各界代表，围绕时尚消费与潮流趋势展开深度对话，为 消费扩容、商业提质与品牌破局贡献智慧。论坛上，北京十大商业品牌活动组委会与宁波银行北京分行签署战略合作协议，北京十大商业品牌活动方代表北 京商报社社长兼总编辑李波涛与宁波银行北京分行行长陈辰共同签约。此次战略签约后，双方将共同探索金融服务如何加速与服务场景融合发展、更好满足 消费领域金融服务需求等。 据了解，2025年正值宁波银行北京分行成立15周年，自2010年扎根首都以来，北京分行始终秉持"支持实体经济，服务中小企业"的经营宗旨，积极融入首都 经济生态，持续加大对本地中小企业转型升级的金融支持力度。从宁波到北京，十五年深耕首都，不断适应市场变化，深入企业场景，提供贴合区域特色的 综合金融服务。 近年来，宁波银行通过整合跨界资源，构建起"金融+非金融"多元化服务生态，逐步实现从传统"资金提供者"向"资源整合者"的战略转型。北 ...

因为大量用户在 APP 上与 AI 智能体"聊黄"，APP 的 主要开发和运营者 被追究了刑责。 2025 年 9 月，上海市徐汇区人民法院一审判决，两名被告人犯制作淫秽物品牟利罪， 分别获刑四年、一年半 。此案成为国内首起 AI 服务提供者涉黄获刑的案件。 案涉 APP 是 Alien Chat 是一款 AI 伴侣聊天应用，定位是为年轻群体提供亲密陪伴和情感支持。 判决书披露，AC App 手机注册用户 11.6 万人，其中付费用户 2.4 万人。截至案发，共收取会员充值费 363 万余元。用户注册会员后，可以自行创建虚拟角色或者使用他人创建并公开的虚拟角色，通过软件与大语言模 型进行交互聊天。 在 AC 某官方社交账号评论区，不少用户评价这款 AI 产品"聪明" "限制少"，也有用户表示，其他用户和角色 聊黄，"教坏"了 AI 模型，从而影响了自己的聊天体验。 对于这事，网上都吵开锅了…… 一审法院认为，AC 产生了"大量具体描绘性行为或露骨宣扬色情的内容"，属于淫秽物品 。 两名被告人不服判决提出上诉，案件二审将于 1 月 14 日在上海市第一中级人民法院开庭。 （转自：新京 报） 大家怎么看呢？ ...

Core Viewpoint - The storage sector in the U.S. stock market experienced significant gains, driven by expectations of rising DRAM prices due to supply shortages and increased demand from AI infrastructure [4][6]. Group 1: Market Performance - SanDisk surged by 27.56%, marking its largest daily increase in ten months, while Micron Technology rose over 10%, reaching a historical high [4]. - Seagate Technology and Western Digital also saw substantial gains, with increases of 14% and over 16%, respectively [4]. Group 2: Price Increases and Demand - Samsung and SK Hynix have proposed price increases of 60%-70% for DRAM used in servers, PCs, and smartphones for Q1 2023 compared to Q4 2022 [5]. - The semiconductor industry anticipates that clients will accept these price hikes due to the inability of Samsung and SK to quickly ramp up production [5]. - Major clients are willing to absorb the costs associated with AI infrastructure, prioritizing profitability from AI over resisting DRAM price increases [5]. Group 3: Supply Constraints - The focus of memory manufacturers on producing HBM3E has led to a backlog in server DRAM production, widening the supply-demand gap [6][7]. - Companies like Google and Microsoft are expanding their AI service offerings, driving a surge in demand for general-purpose server DRAM [7]. - The trend of rising storage prices is expected to continue through 2026, with predictions of a 144% year-on-year increase in average selling prices for server DRAM [7]. Group 4: Financial Projections - Citigroup forecasts Samsung's operating profit to reach 155 trillion KRW, a 253% increase from the previous year, while Morgan Stanley predicts SK Hynix's operating profit to rise by 224% to 148 trillion KRW [7]. - Analysts expect that the supply shortage of memory chips will persist into 2026, benefiting companies like Micron Technology [7]. Group 5: Market Sentiment - The global DRAM market is undergoing a significant price surge, with many categories experiencing price increases exceeding 100% since July 2025 [8]. - The price of DDR4 and DDR5 memory has increased by 2-3 times within the year, with a single 256G DDR5 server memory module exceeding 40,000 yuan [8].

Group 1 - The Ministry of Commerce announced that the "old-for-new" policy will drive consumer goods sales to reach 3.92 trillion yuan, benefiting 494 million consumers [3] - The policy will include support for the update of commercial facilities and energy-saving equipment, encouraging local governments to provide policy support for sorting center construction [3] - The "14th Five-Year Plan" aims to promote the construction of approximately 200 "waste-free cities" and increase the supply of high-quality green agricultural products [3] Group 2 - The People's Bank of China emphasized the importance of promoting high-quality economic development and reasonable price recovery in its monetary policy considerations [3] - The central bank plans to maintain ample liquidity and relatively loose social financing conditions to align monetary supply growth with economic growth and price level expectations [3] Group 3 - China Satcom issued a risk warning regarding its stock, which has increased by 108.64% since December 3, 2025, significantly outpacing the industry and market indices [5] - The company’s current price-to-earnings ratio stands at 704.09, far exceeding the industry average, indicating a potential risk of a significant price drop [5] Group 4 - Chipsource announced an investment in TianSui Chip Technology, acquiring control of ZhiDian Semiconductor, with a capital increase of 940 million yuan [6] - The company will hold a 40% stake in TianSui Chip Technology, becoming its largest shareholder [6] Group 5 - Aerospace Electronics reported a stock price increase of 123.23% since November 27, 2025, indicating a potential market overheating situation [7] - The stock's trading volume has been significant, raising concerns about the sustainability of its current price level [7] Group 6 - Keda Xunfei is collaborating with over 500 intelligent robot manufacturers, providing AI services based on its multi-modal perception and large model capabilities [7] - The company is positioned as a key player in the robotics industry, partnering with leading firms [7] Group 7 - Zhongtai Co. expects a net profit of 420 million to 480 million yuan for 2025, indicating a turnaround from losses [9] - Lier Chemical anticipates a net profit of 460 million to 500 million yuan, representing a year-on-year growth of 113.62% to 132.19% [9]

当地时间1月6日，美股存储板块狂飙，截至发稿，闪迪（SanDisk）大涨24%，为十个月以来的最大日内涨幅，美光科技涨近7%，再创历史新高。希捷科 技、西部数据涨近10%。 值得一提的是，今日晚间，话题"一盒内存条堪比上海一套房"登上热搜第二名，引发网友热议。 存储龙头大幅涨价的底气，正来自对服务器DRAM短缺问题日益严重的预期。 眼下，内存厂商正集中精力生产HBM3E，导致服务器DRAM产能遭受积压，供需鸿沟逐渐拉大。同时谷歌和微软等公司正在拓展基于推理的AI服务业 务，推动服务器通用DRAM需求激增；正在为客户开发ASIC的博通，也在增加HBM3E订单，进一步加剧DRAM短缺。 在这种情况下，存储的涨价趋势或将贯穿整个2026年。已有多家投行预测，按全年口径计算，今年服务器DRAM的平均销售价格（ASP）最高将同比上涨 144%，并相应上调了业绩预期。花旗预计，三星电子今年营业利润将达155万亿韩元，较去年增长253%；摩根士丹利则预计，SK海力士今年营业利润为 148万亿韩元，较去年激增224%。 中信建投证券电子首席分析师刘双锋认为，在数据中心需求爆发、存储芯片供应持续趋紧，价格大幅上涨的背景下，美光 ...

Core Insights - Lenovo has transitioned from a traditional hardware manufacturer to a leader in AI services, marking a strategic shift in its business model and valuation approach [2][11] Group 1: Product Launches and Innovations - Lenovo ISG China launched four core products: "AI Factory" solution, the high-end AI training server Lenovo Wenti WA8080a G5, the Wanquan Heterogeneous Computing Platform 4.0, and the industry's first training and inference service standard [1][2] - The "AI Factory" is a standardized system that transforms complex AI development tasks into a modernized production line, utilizing customer data as raw materials [3] - The Wanquan Heterogeneous Computing Platform 4.0 enhances AI service efficiency and industry adaptability through significant upgrades in four technical scenarios, including a 35% reduction in model training time and a 60% increase in bandwidth utilization [3][5] Group 2: Market Position and Growth - Lenovo's infrastructure business has seen a 175% revenue growth over the past two and a half years, positioning it among the fastest-growing AI infrastructure providers in China [2][10] - The AI server market in China is projected to reach $16 billion by mid-2025, doubling year-on-year, with expectations to exceed $140 billion by 2029 [10] Group 3: Strategic Shift in Valuation - Lenovo is shifting from a PE (Price-to-Earnings) valuation model focused on hardware sales to a PS (Price-to-Sales) model that emphasizes service revenue growth and customer lifetime value [9][11] - The introduction of service subscription and customized delivery models allows Lenovo to provide ongoing AI development support, leading to stable recurring revenue and higher profit margins [9][11] Group 4: Industry Standards and Ecosystem Development - Lenovo has collaborated with industry partners to release the first model training and inference service standard, which aims to standardize AI production and accelerate industry transformation [8] - The establishment of this standard is expected to fill industry gaps and provide a unified framework for enterprises, promoting the shift from fragmented exploration to standardized, scalable AI solutions [8]

Core Insights - Ping An Group is developing a unified AI entry point called "AI Super Customer Service," which aims to connect various services in finance, healthcare, elderly care, and daily life, facilitating direct access to consultation, service handling, and emergency rescue. This service is currently in the internal testing phase [1][3]. Group 1 - The "AI Super Customer Service" is part of Ping An Group's broader strategy to enhance service integration and accessibility [1][3]. - In addition to "AI Super Customer Service," Ping An Group is also launching "AI Family Doctor" and "AI Elderly Care Butler," which are the three major AI services being introduced [1].

Core Insights - Apple is planning a comprehensive update of its three core iPad product lines in 2026, following the launch of the M5 chip iPad Pro [1] Group 1: iPad Air - The iPad Air is expected to be updated in the first half of 2026, featuring the M4 chip, which will provide a performance boost of 10-20% compared to the M3 chip [1] - The new iPad Air may integrate Apple's custom N1 network chip and C1X modem, enabling support for Wi-Fi 7 and faster cellular connections [3] - Upgrades in screen refresh rate and brightness are not yet confirmed, with OLED screen implementation likely postponed until 2027 or later [3] Group 2: Entry-Level iPad - The entry-level iPad, priced at $349, will also receive significant upgrades in the first half of 2026, featuring the A18 chip [4] - This upgrade will introduce Apple’s smart features to the entry-level segment, allowing users to experience Apple's AI services [5] - Similar to the iPad Air, this model is expected to include Apple's custom network chip and modem for enhanced network performance [7] Group 3: iPad Mini - The iPad mini is set for a major upgrade in the second half of 2026, predicted to feature the more powerful A19 Pro chip [8] - It will become the second iPad model after the iPad Pro to adopt an OLED screen, significantly improving display quality [8] - The new iPad mini is also expected to have enhanced waterproof design features [8]

Core Viewpoint - Alibaba is investing in building a large-scale AI infrastructure and developing a super AI cloud to provide leading AI services to global developers [1] Group 1: AI Infrastructure and Investment - Alibaba's CEO announced the construction of a super AI cloud with significant investment in AI infrastructure [1] - The company aims to leverage its full-stack technology accumulation to enhance AI service offerings [1] Group 2: Developer Community Insights - Over 20.74% of developers in Alibaba's "Mota" community come from organizations with fewer than 50 people, while independent developers account for 13.7% [1] - The "Creation Space" channel within the community features nearly 23,000 AI applications spanning over 20 industries, with approximately 95% of these applications developed by individual developers [1]