智通财经记者 | 冯丽君 人身险公司和财产险公司健康险保费增速分化明显。 国家金融监督管理总局近期披露的数据显示，2025年前10月，人身险公司累计实现健康险原保险保费收入6850亿元，财产险公司累计实现健康险原保险保费 收入2093亿元，分别同比增长0.06%、10.57%。 健康险公司在专业经营模式下的表现相比行业平均水平则更为亮眼。根据三季度偿付能力报告，今年前三季度，人保健康、平安健康险、太保健康、复星联 合健康分别实现保费收入506.02亿、162.90亿、70.69亿、68.94亿元，分别同比增长15.1%、4.27%、18.63%、57.40%。 业内分析认为，未来，健康管理、科技赋能等或是未来商业健康险的增长动能与头部险企的共同发力方向。具体险种方面，医疗险有望成为驱动健康保险行 业增长的主要力量。 增速为何分化？ 相比于人身险公司健康险保费前十月几乎零增长，财产险超过10%的增速可谓亮眼。而对于这一增速差距，一位头部寿险公司资深业务员也有切身体会。 "由于赔付率比较高，保险公司现在不怎么推健康险了。"上述业务员告诉智通财经，"另外，相比于投资型年金保险，健康保险的件均保费比较低，保险公 司从 ...

科技赋能重构产业形态，新型文化企业成发展主力军 12月8日，2025中国文化产业投资（深圳）年会在深圳开幕。本次年会以"强化数智科技赋能，加快文化 产业发展"为主题，由中国文化产业投资基金与紫荆文化集团联合主办，汇聚投资界、政界、学界及文 化企业代表，搭建起集政策、资本、项目、技术于一体的文化产业对接平台，共同探索文化与科技深度 融合的发展新路径。 作为年度行业盛会，本届年会聚焦文化产业战略目标，议程涵盖政策解读、行业分享、项目签约等多重 环节。参会规模超出预期，吸引股权投资市场头部机构及全产业链核心资源参与，既展示传统文化业态 的转型成果，也突出新型文化企业的创新实践，为"十五五"时期文化产业布局与发展提供了前瞻指引和 务实支撑。 "十四五"文化产业承压前行，科技赋能成增长核心引擎 "十四五"期间，文化产业在多重压力叠加下依然实现稳健增长，快于GDP增速，科技赋能成为核心驱动 力。这一时期，文化产业不仅遭遇经济环境冲击、传统业态下滑的挑战，还面临市场消费受限、政府投 放减少等多重难题，但发展势头逆势向好。数据显示，2024年全国文化产业营业收入突破19万亿元，较 2020年增长37%；其中文化新业态营收达5 ...

本报记者 李雯珊 迎着清晨的第一缕阳光，海南自贸港一站式飞机维修产业基地内，海南航空控股股份有限公司（以下简称"海航控股"）的 飞机维修团队已严阵以待，开启一天的精密作业。检测仪器屏幕上的数据流实时跳动，技术人员紧盯参数逐一核对——这些标 准化的操作流程，勾勒出维修现场严谨高效的日常图景。 今年12月18日，海南自贸港将正式启动全岛封关运作，这场历史性跨越正为本土龙头企业海航控股注入澎湃动能。作为深 耕海南的航空主力军，海航控股搭乘自贸港发展东风，近年来以精细化管理为抓手，在经营业绩提振、航线网络扩容、飞机维 修产业升级等领域多点突破，交出了一份出色的发展答卷。 近日，《证券日报》记者走进海航控股生产运营一线，近距离感受海南自贸港航空业的蓬勃脉动，探寻企业持续向好的发 展密码。 推进精细化管理 公开资料显示，2025年前三季度，海航控股多项经营核心指标全面突破，向市场传递出强劲信号。前三季度公司实现营业 收入534.38亿元，归母净利润28.45亿元，同比增长30.93%，盈利能力显著提升。2025年上半年，海航控股在众多上市航司中脱 颖而出，实现扭亏为盈。 海航控股曾因历史原因进行破产重整，2021年12月 ...

以科技为翼、民生为尺，良渚城管用"绣花功夫"深耕精细化治理，让智慧手段覆盖城市每个角落， 用治理精度与民生温度，绘就良渚宜居宜业的新城图景。 这股科技赋能的"精准劲"，不仅体现在环卫作业的细节里，更贯穿于城管全域治理的方方面面。今 年以来，良渚城管紧扣第三届"良渚论坛"契机，打出"科技赋能+品质提升+民生保障"组合拳。玉鸟集等 核心区域完成精品化改造，"城北繁华，尽在万象"等三大高品质街区焕新亮相，"逛街赏景，累时歇 脚"成为市民休闲新体验；运溪路环境综合提升项目新增绿化6.7万平方米，"15分钟公园圈""推窗见 绿"成为市民生活常态。 "清晨，我出门买个早餐，就见机器人把马路扫得干干净净，现在的城管服务真高级！"近日，余杭 良渚永旺梦乐城非机动车道上，良渚街道智慧城管"新成员"无人清扫机器人"库萨星筠"的灵活作业，让 路过的市民李女士忍不住"点赞"。这台搭载AI视觉感知系统的"智慧管家"，贴边清扫无死角、遇人遇物 智能避障，在早间人流低谷期高效完成核心商圈的保洁工作。 作为破解传统环卫"人力密集、效率不均"的关键抓手，"库萨星筠"藏着不少民生巧思。其厘米级定 位适配狭窄街巷等复杂场景，420升水箱搭配100 ...

Group 1 - The core idea is the emphasis on technological innovation to build a competitive edge and enhance product value while maintaining traditional craftsmanship [1][2] - Companies are actively expanding their product lines and improving product quality, as seen with Sichuan Senniu Family Food Co., which has successfully integrated industrial standards and research to create healthier and unique products [1][4] - The promotion of high-quality products from underdeveloped counties is a key focus, with initiatives aimed at improving sales channels and product positioning [1][3] Group 2 - The introduction of innovative products like low-glycemic buckwheat noodles and snacks has changed the perception of agricultural products, demonstrating a successful market response within six months of launch [2][3] - Companies like Huan Tai Biotechnology Co. have adopted a model that integrates standardized planting with local farmers, significantly increasing the purchase price of buckwheat from 0.2 yuan to around 4 yuan per jin, benefiting local farmers [3] - The industrial value added in 39 underdeveloped counties grew by 9.1% year-on-year in the first three quarters, surpassing the provincial average by 2.7 percentage points, indicating strong industrial growth [3] Group 3 - Sichuan Senniu Family Food Co. has achieved significant growth, with a revenue increase of 10 million yuan, primarily driven by e-commerce sales, which account for 90% of its revenue [4] - The company has built a comprehensive e-commerce team and actively participates in trade fairs to enhance market presence and product visibility [4][5] - The "company + village collective + farmers" model has effectively addressed the lack of industrial foundation in villages, leading to stable income for farmers through order-based planting and local employment [5]

来源：城商行研究 利差降至1.42%，不良率持续承压，数百位银行家齐聚天津寻找出路。 "我们现在利差快收到1%了，可怜的。"在近期一次银行业会议上，一位农商行行长私下坦言。这并非 个例，国家金融监管总局数据显示，2025年三季度末商业银行净息差已降至1.42%的历史低位，其中城 商行、农商行净息差分别为1.37%和1.58%。 面对生存压力，中小银行选择"抱团取暖"而非"躺平"。2025年12月4日至5日，第二十届中小商业银行 CEO论坛在天津举行，中小银行高管齐聚一堂，共同探讨"十五五"规划期银行战略升维之路。 中小银行的生存挑战 中小银行正面临前所未有的经营压力。央行《金融稳定报告2024》显示，城市商业银行中有11%的机构 被列为"红区"高风险机构，农合机构和村镇银行的风险占比更高。 大型银行业务下沉给中小银行带来巨大竞争压力。"大行贷款利率只有3点几，我们很难做到这么低，很 多客户就被抢走了。"一位华南地区城商行行长表示。 2025年三季度末，商业银行不良贷款余额达3.5万亿元，较上季末增加883亿元；不良贷款率为1.52%， 较上季末微升0.03个百分点。其中城商行和农商行不良率分别为1.84%和2 ...

12月6日，在南方财经论坛2025年会基金业分论坛上，海富通基金总经理任志强发表了题为《科技赋能 公募行业迈向高质量发展》的主题演讲，分享了基金公司探索科技赋能的实践路径。 "当前我们正站在科技革命与公募基金行业改革的交汇点，作为资本市场的'压舱石'和'助推器'，公募基 金如何以科技之力破局立新？"任志强表示，以海富通基金为例，公司立足行业趋势与自身发展，积极 探索将大数据、人工智能等先进技术融入投研、合规风控、销售等核心业务环节，建立起全业务场景的 数字化赋能体系，以科技手段增强服务投资者与实体经济的效能。 投研体系升级 在任志强看来，人工智能的引入还将推动客户服务向智能化、个性化、场景化方向发展。 他举例谈道，一些机构采用的AI客服系统可实现7×24小时不间断服务，回答基金净值查询、产品信 息、交易流程、账户管理等高频问题，大幅降低人工客服压力，助力提升客户满意度。 AI还支持客户画像的构建与行为分析，通过数据挖掘识别客户风险偏好、投资习惯与服务需求，从而 实现个性化产品推荐与定制化服务建议。这种"千人千面"的服务模式不仅增强客户体验，也有助于提升 销售转化与客户留存。 在投资者教育方面，AI也展现出强大 ...

这不是一次简单的企业参观，而是一次沉浸式的行业认知升级。 "科技不是空中楼阁，美团让我们看到技术如何实实在在地解决生活中的痛点，提升效率和体验。估算科技热点的环节激发了我们的创 新思维。" "了解到企业对技术能力、解决问题能力、学习能力的重视，对未来的努力方向更有目标感了。" 美团是一家科技零售公司，成立于2010年3月，以"零售+科技"的战略践行"帮大家吃得更好，生活更好"的公司使命。 自成立以来，美 团持续推动服务零售和商品零售在需求侧和供给侧的数字化升级，与广大合作伙伴一起努力为消费者提供品质服务。2018年9月20日， 美团在港交所挂牌上市。美团始终以客户为中心，不断加大在新技术上的研发投入，致力于承担社会责任和创造社会价值。 10：00—10：30 美团展示中心：通过图文展板了解发展历程，通过动态视频与实物模型展示即时零售、社区电商等领域创新实 践；重点讲解科技赋能全生活服务场景的生态构建逻辑 美团数字化指挥中心：探秘"城市生活大脑"运营中枢，通过实时数据大屏观摩外卖、到店、酒旅等业务实时交易 数据、智能调度系统运作流程与风险预警机制 主题分享：《数字化破局：从美团实践到企业消费转型》 l 美团数字 ...

Core Viewpoint - The Sichuan Daliangshan Plateau Mugwort Industry Development Conference aims to integrate industry resources and promote innovative development of the plateau mugwort industry while enhancing ecological prosperity [1][3]. Group 1: Industry Overview - The Daliangshan region is recognized for its rich traditional Chinese medicine culture and high-quality medicinal resources, with the plateau mugwort's medicinal component content ranking first in the country [3]. - The region has developed a full industrial chain for plateau mugwort, achieving a scale of 50,000 acres of cultivation and an annual production of 8,000 tons of high-quality mugwort raw materials, along with over 40 related products [3][4]. Group 2: Economic Impact - The plateau mugwort industry has benefited over 3,500 farming households, with an average annual income increase of approximately 12,000 yuan per household, and has been recognized as a typical case of provincial-level support [4]. - The industry is seen as a key driver for increasing local income and is part of a broader strategy for poverty alleviation and rural revitalization in underdeveloped areas [3][4]. Group 3: Alliance Formation - The Sichuan Plateau Mugwort Industry Development Alliance was officially established, with members from various sectors including government, industry, academia, research, and healthcare [4]. - The alliance aims to transform resource advantages into industrial advantages and will focus on policy coordination and deep integration with rural revitalization efforts [3][4]. Group 4: Future Directions - Recommendations for the industry include leveraging technology to strengthen the foundation, enhancing collaborative efforts to expand industry space, and showcasing the unique characteristics of Daliangshan to support the construction of a strong traditional Chinese medicine province [4]. - The conference featured discussions on digital transformation, brand internationalization, and the development of Yi medicine, providing intellectual support for the high-quality development of the plateau mugwort industry [4][7].

Core Insights - The 2025 Second Anhui Tea Conference successfully held on December 4, focusing on the coordinated development of Anhui's tea industry, injecting new momentum for high-quality growth [1][10] - The event gathered tea industry experts, local leaders, and business representatives to discuss new opportunities for the development of Anhui's tea industry [1][3] Group 1: Event Overview - The conference was co-hosted by the Anhui Tea Association and Anhui Daily Media Group, with support from various academic and industry organizations [1] - The first Anhui Tea Conference in 2024 established a significant promotional platform for brands like Qimen Black Tea, and the second conference aims to further showcase achievements and promote Anhui tea nationally and globally [3] Group 2: Key Presentations and Discussions - Professor Xia Tao from Anhui Agricultural University summarized the discussions, emphasizing the importance of technology and cultural leadership in the tea industry [3] - Jiang Yongwen, Deputy Director of the Chinese Academy of Agricultural Sciences Tea Research Institute, discussed innovation paths for high-quality development in the tea sector [5] - Representatives from Baima Tea Co. and Huangshan Xixian Weiwei Tea Co. shared their strategies for embracing AI and digital transformation in traditional tea enterprises [5] Group 3: Publications and Initiatives - The conference saw the release of a new book titled "Anhui Tea Welcomes Guests from All Over the World," which provides an in-depth analysis of Anhui's tea development practices [7] - The event also announced the 2025 key recommended regional public brand list and tea enterprise list, along with the establishment of the "Most Beautiful Tea Travel Route Cooperation Alliance" [7] Group 4: Media Engagement and Publicity - The "Anhui Tea County Leaders Speak" series, initiated in June, involved nearly 20 county leaders promoting Anhui's tea industry, garnering extensive media coverage from over 70 platforms [8] - This initiative aimed to showcase the achievements of Anhui's coordinated tea development and enhance the brand's visibility across the nation [8] Group 5: Future Outlook - The successful hosting of the second Anhui Tea Conference not only highlighted achievements since the 14th Five-Year Plan but also built consensus for higher goals during the 15th Five-Year Plan [10] - Anhui aims to deepen the coordinated development of its tea industry, positioning it as a pillar for rural prosperity and expanding its market reach [10]