12月22日，北辰实业盘中上涨2.29%，截至13:14，报1.79元/股，成交4154.86万元，换手率0.89%，总市 值60.27亿元。 资金流向方面，主力资金净流入974.06万元，特大单买入1050.96万元，占比25.29%，卖出353.10万元， 占比8.50%；大单买入1058.68万元，占比25.48%，卖出782.48万元，占比18.83%。 北辰实业今年以来股价跌3.76%，近5个交易日涨4.68%，近20日跌3.76%，近60日跌13.11%。 截至9月30日，北辰实业股东户数11.67万，较上期减少4.40%；人均流通股0股，较上期增加0.00%。 2025年1月-9月，北辰实业实现营业收入43.67亿元，同比减少7.70%；归母净利润-21.74亿元，同比减少 134.22%。 分红方面，北辰实业A股上市后累计派现30.98亿元。近三年，累计派现6734.04万元。 机构持仓方面，截止2025年9月30日，北辰实业十大流通股东中，香港中央结算有限公司位居第四大流 通股东，持股3151.60万股，相比上期增加614.08万股。南方中证房地产ETF发起联接A（004642）位居 第五大 ...

Core Viewpoint - The 12th National After-Sales Service Conference highlighted the evolution of after-sales service in China, emphasizing the importance of standardization and innovation in service models to support high-quality development and consumer demand [1][3]. Group 1: Evolution of After-Sales Service - The after-sales service sector has undergone four stages: initial establishment, standard leadership, integration and upgrade, and digital development [3]. - The establishment of the "Product After-Sales Service Evaluation System" industry standard is a significant step towards creating standardized service norms for enterprises [3]. Group 2: Economic Context and Achievements - In 2025, China has made new achievements in high-quality development, laying a solid foundation for expanding domestic demand and boosting consumption [3]. - Key factors contributing to this include agricultural abundance, advancements in the digital economy, progress in energy revolution, and the high-level opening of the Hainan Free Trade Port [3]. Group 3: Future Directions - The development of the service industry will remain a key focus for China in the near future, entering a new period of high-quality service development [3]. - Emphasis will be placed on standard leadership, embracing digital transformation, and strengthening integrity within the industry [3].

Group 1 - Digital finance is a crucial component of the digital economy, which provides the necessary conditions for its development [1] - The digital economy is characterized by the extensive application of digital technologies, leading to industrial transformation and resource optimization [1][2] - The digital economy encompasses both digital industrialization and industrial digitization, forming the foundation for the development of digital finance [2] Group 2 - Digital industrialization refers to economic activities that rely on digital technologies and data elements, with significant advancements in new infrastructure such as 5G and AI [2] - The hardware manufacturing capabilities and innovation in sectors like chips and integrated circuits are continuously improving, enhancing the integration of manufacturing and digitalization [2] - The data industry is growing, with a focus on data mining, collection, storage, and analysis, which empowers various sectors and drives the development of digital finance [2] Group 3 - Industrial digitization involves the application of digital technologies in traditional industries, leading to increased production efficiency and output [3] - The process of industrial digitization can be divided into four stages: infrastructure development, individual applications, comprehensive integration, and collaborative innovation [3] - New financial service models such as digital payments and mobile banking are emerging, rapidly expanding the market size and transforming financial activities for businesses and individuals [3] Group 4 - The digital transformation across all sectors is fundamental to the development of digital finance, acting as a significant engine for global economic growth [4] - The global digital transformation has progressed through three phases, with the current phase characterized by "intelligent" and "platform-based" features [4] - The role of internet companies and traditional manufacturers in driving digital transformation is becoming increasingly prominent [4] Group 5 - The World Bank reports that global digital transformation is accelerating, significantly impacting communication, information access, and business activities [5][6] - From 2000 to 2022, the growth rate of the information technology services industry was nearly double that of the global economy, with a 7% annual growth rate in digital services employment [5] - The digital industry not only contributes to growth and job creation but also has positive spillover effects across various sectors [6] Group 6 - The digital divide is widening, particularly in low- and middle-income countries, where disparities in internet speed and access hinder digital benefits [6] - China's digital transformation has achieved remarkable success under the digital economy strategy, creating unique competitive advantages [6] - These advantages, including advanced infrastructure and extensive data resources, lay a solid foundation for the development of digital finance [6] Group 7 - The book on digital finance, led by experts, aims to provide a comprehensive overview of the development of digital finance in China, covering theoretical and practical aspects [8] - It introduces the concept of digital financial infrastructure and analyzes its current state and key development directions [8] - The book also proposes new ideas and measures to balance innovation and regulation in digital finance, enhancing international competitiveness [8]

Core Insights - The competition landscape among cities is being reshaped, with the 2025 GDP forecast highlighting economic vitality, innovation capability, and policy benefits across various regions [1] Group 1: Economic Forecasts - Shenzhen's GDP is projected to reach 38,910.44 billion yuan in 2025, growing by 5.73% from 2024, maintaining a leading position among first-tier cities [3] - Changsha's GDP growth rate is expected to be 7.02%, driven by industrial innovation and upgrades [6] - Wenzhou's GDP is forecasted to exceed 1 trillion yuan, reaching 10,307.18 billion yuan with a growth rate of 6.05% [8] Group 2: Key Economic Drivers - Shenzhen's digital economy core industries are expected to account for over 40% of its GDP, supported by investments in AI and 5G technology [4] - Changsha's engineering machinery industry is anticipated to improve production efficiency by over 30% through smart upgrades, with significant contributions from leading companies like Sany Heavy Industry [6] - Wenzhou's private economy is projected to contribute over 70% to its GDP, with the renewable energy sector emerging as a growth highlight [8] Group 3: Infrastructure and Connectivity - Shenzhen's transportation network and logistics system are crucial for economic growth, with its port maintaining a leading position in global cargo throughput [4] - Changsha's high-speed rail hub status enhances connectivity with major economic circles across the country [6] - Wenzhou's transportation network is improving, with a projected 10% increase in cargo throughput at Wenzhou Port in 2025 [8] Group 4: Policy and Innovation - Shenzhen's success is attributed to continuous technological breakthroughs and the transformation of tech achievements into core competitiveness [4] - Changsha's government is increasingly supporting emerging industries, attracting high-tech companies and innovative talent [6] - Wenzhou's economic vitality is driven by its adaptability to market changes and optimization of industrial structure [8] Group 5: Lessons and Implications - The economic development experiences of Shenzhen, Changsha, and Wenzhou provide valuable insights for other cities to leverage their advantages and seize policy opportunities for growth [10]

专题：第二十二届中国国际金融论坛 新浪声明：所有会议实录均为现场速记整理，未经演讲者审阅，新浪网登载此文出于传递更多信息之目 的，并不意味着赞同其观点或证实其描述。 责任编辑：李昂 专题：第二十二届中国国际金融论坛 12月19日-20日，"第二十二届中国国际金融论坛"在上海举行，主题为：数字经济时代的智能金融生态 构建。中科院软件中心市场战略部高级工程师杜俊锋出席并主持"金融科技助力金融业数智化转型"论 坛。 12月19日-20日，"第二十二届中国国际金融论坛"在上海举行，主题为：数字经济时代的智能金融生态 构建。中科院软件中心市场战略部高级工程师杜俊锋出席并主持"金融科技助力金融业数智化转型"论 坛。 新浪声明：所有会议实录均为现场速记整理，未经演讲者审阅，新浪网登载此文出于传递更多信息之目 的，并不意味着赞同其观点或证实其描述。 责任编辑：李昂 ...

Core Viewpoint - The People's Bank of China, along with other regulatory bodies, has established the "Regulations on Cash Payment and Service" to enhance the cash circulation environment amidst the rise of digital payment methods, ensuring that cash remains a viable payment option for all demographics [1][2]. Group 1: Regulations Overview - The regulations aim to clarify the cash service obligations of various charging units, operating entities, and banking institutions, promoting a collaborative effort to maintain a cash-friendly environment [1][2]. - The regulations are based on five fundamental principles: serving the public, problem orientation, comprehensive measures, collaborative governance, and legal accountability [2]. Group 2: Payment Scenarios - The regulations specify that cash payments must be supported in scenarios involving face-to-face services and transactions that can be completed in person, ensuring reasonable cash availability [3]. - For self-service models and areas with unified management, operators must clearly indicate accepted payment methods and cash conversion options [3][4]. Group 3: Banking Sector Requirements - Banking institutions are required to provide cash deposit and withdrawal services, ensuring that their network and self-service machines meet the needs of various customer groups [5]. - In cases of cash payment difficulties, the public is encouraged to negotiate with the service provider and report any refusal or discriminatory practices through appropriate channels [5].

Core Insights - The article discusses the 12th National After-Sales Service Conference held in Beijing, featuring a speech by Yu Bin, General Manager of Service Operations at Haier Smart Home [1] Group 1: Company Overview - Haier Service focuses on building a smart home service ecosystem, adhering to the service philosophy of "sincerity forever" [3] - The company implements a four-dimensional service system characterized by "ubiquitous, timely, meticulous, and capable" service, aiming to create impactful experiences for users [3] Group 2: Service Innovations - In the digital economy era, after-sales service has evolved beyond simple repairs and replacements to creating better living experiences through technology empowerment [3] - Haier Service emphasizes digital transformation by developing a digital service platform, allowing users to interact with service personnel via the Haier Smart Home APP and mini-programs using text, voice, and video [3] - The service process is transparent, with standardized online work orders for service standards and pricing details, enabling users to supervise and evaluate service quality in real-time [3] Group 3: Customer-Centric Approach - The company believes that maintaining a user-centric approach and continuously driving technological innovation and service upgrades is essential for gaining a competitive edge in the industry and creating real value for users [3]

12月19日，2025企业社会责任论坛在西安国际会议中心举办。本届论坛以"践行社会责任推动高质 量发展"为主题，通过主旨演讲、案例分享等形式，共同探讨新时代企业社会责任的实践路径与创新方 向，为高质量发展注入强劲动力。 会上，与会嘉宾围绕论坛主题，聚焦"激发高质量发展新动能""扛牢国货品牌社会责任担当""用责 任铸就美好未来""社会责任实践探索与创新路径"等内容作了主旨分享。嘉宾认为，企业作为社会主义 市场经济的主体，在奋进新征程、筑梦现代化中肩负着重大责任。要强化企业担责的使命感、履责的价 值感、尽责的荣誉感，通过进一步促进企业履行社会责任的理念强化、机制优化、实践深化，更好凝聚 起全面推进强国建设、民族复兴伟业的强大合力。 提到西安的营商环境和科创氛围，今年6月刚刚布局西安的广州谷雨生物科技集团股份有限公司总 裁林雨汀深有感触。"西安良好的营商环境令人印象深刻，完善的产业链条、良好的市场秩序为企业发 展保驾护航。生物医药赛道企业云集、活力满满，为我们深耕西北市场提供强力保障。" "西安这片创新沃土为我们的技术研发提供了强劲支撑，让企业的高质量发展之路走得愈发稳健笃 定。未来，我们将积极参与社会公益事业，以 ...

22日早盘，金融科技表现活跃，楚天龙涨超9%逼近涨停，四方精创涨超5%，恒宝股份、拉卡拉、中科江南、新国都、东信和平等多股涨超 2%。热门ETF方面，同类规模最大的金融科技ETF（159851）场内价格上涨1%，资金大举净申购超1亿份，做多热情高涨！ 风险提示：金融科技ETF被动跟踪中证金融科技主题指数，该指数基日为2014.6.30，发布日期为2017.6.22，该指数2020-2024年年度涨跌幅分 别为：10.46%、7.16%、-21.40%、10.03%、31.54%，指数成份股构成根据该指数编制规则适时调整，其回测历史业绩不预示指数未来表现。 文中指数成份股仅作展示，个股描述不作为任何形式的投资建议，也不代表管理人旗下任何基金的持仓信息和交易动向。基金管理人评估的该 基金风险等级为R3-中风险，适宜平衡型（C3）及以上投资者。任何在本文出现的信息（包括但不限于个股、评论、预测、图表、指标、理 论、任何形式的表述等）均只作为参考，投资人须对任何自主决定的投资行为负责。另，本文中的任何观点、分析及预测不构成对阅读者任何 形式的投资建议，亦不对因使用本文内容所引发的直接或间接损失负任何责任。基金投资有风 ...

广清纺织服装产业有序转移园管理委员会深度解读了清远的区位交通、空间承载、成本优势以及精准的 时尚产业政策。随后的"广清纺织园项目投产开工仪式"上，宣布广州集美织造有限公司集美纺织科技产 业园项目、广东美续生物科技有限公司生产项目等4个项目动工，清远市汇诚化纤有限公司年产涤纶预 取向丝17万吨项目、戴世拉链（清远）快反中心项目、广东丽彦妆智造生物科技有限公司年产冻干粉1 亿盒、面膜5000万盒和护肤品3000万盒建设项目等5个项目投产，彰显了园区从蓝图规划到项目落地的 坚定步伐与扎实成果。 "AI+样衣共创全场景赋能平台"正式发布，旨在打通从趋势洞察到实体样衣的快 速转化通道。由清城区文化广电旅游体育局呈上的"清城山水间的凤舞清歌"文旅与时尚产业融合发布， 系统介绍了清城的丰富文旅资源，体现了清远传统与时尚共生、文旅与产业共融的可持续发展理念。 来源：环球网 12月19日，2025广东（清远）时尚产业大会暨广东服装大会在清远成功召开，大会以"智汇清远·时尚首 选"为主题，立足广东现代化产业体系建设根基，洞察趋势、链接资源、发布年度观点。 纺织服装产业作为广东省传统优势产业和重要民生产业，清远作为全省产业有序转移 ...