民营经济充满活力，靠的是政策有温度、金融有力度。当银企对接的障碍被逐步扫清，当科技赋能让服 务更精准、分工协作让资源更高效，银行已然成为民营经济成长路上的"同行者"。从化解"贷款难"到助 力"活得好"，金融与民营经济的深度融合，不仅能筑牢就业稳定与创新突破的根基，更能为经济高质量 发展注入持久动能。 未来，随着政策支持持续加力、金融服务不断升级，民营经济必将在更广阔的舞台上释放活力，书写更 多从"生存"到"壮大"的成长篇章。 （文章来源：证券日报） 要让金融活水精准滴灌民营经济，银行需率先畅通机制，破除银企对接过程中的壁垒。民营企业融资是 否畅通，不仅取决于资金供给的总量，更依赖于金融服务与企业需求的适配性。长期以来，信息不对称 与信贷激励不足，使得企业融资难、银行放贷难。银行应依托支持小微企业融资协调工作机制，通过政 企协同的创新设计，从供需两端实现根本性突破。在信息互通层面，银行要通过开展企业走访活动，形 成融资需求与供给能力"两张清单"，将符合条件的企业纳入服务范围，彻底改变以往信贷投放"自上而 下单向输出"的偏差；通过常态化对接渠道的构建，实现银企需求的精准匹配。在激励机制层面，银行 应通过利率定价优 ...

Core Insights - The article emphasizes the importance of algorithm skills in distinguishing between "ordinary developers" and "core technical talents" in the fast-evolving IT industry, particularly in areas like AI and big data [2][3] - The Blue Bridge Cloud Course addresses common challenges in algorithm learning, such as theoretical complexity and lack of practical application, by offering a structured and scenario-based approach [2][3] Summary by Sections Course Structure - The course is designed around four main modules: "Data Structure Essentials," "Basic Algorithm Practice," "Advanced Algorithm Breakthroughs," and "Engineering Application Implementation," each focusing on practical problem-solving [3][4][5] Module 1: Data Structure Essentials - This module focuses on the selection logic and efficient operations of various data structures, addressing performance bottlenecks caused by incorrect data structure choices [4] - It includes in-depth analysis of linear data structures like arrays and linked lists, and non-linear structures such as trees and graphs, using real-world business scenarios for illustration [4] Module 2: Basic Algorithm Practice - The focus is on high-frequency algorithms such as sorting, searching, greedy algorithms, and introductory dynamic programming, with an emphasis on not just implementation but also optimization [5] - Real-world examples are used to demonstrate the application of these algorithms, enhancing understanding and practical skills [5] Module 3: Advanced Algorithm Breakthroughs - This module covers complex topics like advanced dynamic programming, graph theory, and foundational machine learning algorithms, tailored to meet the demands of modern business challenges [6] - It includes case studies from large companies to illustrate the application of these advanced algorithms in real-world scenarios [6] Module 4: Engineering Application Implementation - The final module focuses on optimizing algorithm performance, cross-language implementation, and integrating algorithms into business applications [7] - It provides practical examples of how algorithms can be effectively utilized in real projects, ensuring that theoretical knowledge translates into practical skills [7] Practical Training System - The course adopts a three-tier practical training system, moving from basic algorithm validation to complex project implementation, ensuring that learners can apply their knowledge effectively [8][9] Learning Support and Resources - Comprehensive support is provided, including visualization tools, code templates, and a structured question-and-answer system to assist learners in overcoming challenges [13][14] - The course also offers career development support, including interview preparation and certification opportunities recognized by various companies [16] Target Audience - The course is suitable for a wide range of individuals, including beginners, current developers looking to enhance their skills, students preparing for job interviews, and algorithm competition enthusiasts [17][18]

建设银行（601939）东营广饶支行围绕县域医疗民生需求持续发力。截至目前，广饶支行已为县域内某 核心综合性公立医院累计发放线上供应链贷款超过5000万元。这笔金融支持精准又高效，为提升区域医 疗服务能力打下了坚实的 "资金基础"。 针对这一民生领域的实际需求，广饶支行主动靠前服务，多次对接医院与上游供应商，深入调研产业链 资金流转特点与企业融资困境后，为其量身配置 "线上供应链贷款" 产品。该产品依托大数据与区块链 技术，以医院与供应商之间真实有效的交易合同、订单为核心授信依据，实现全程线上化操作：供应商 无需提供传统抵押担保，仅需通过专属线上平台提交贷款申请，系统即可自动核验交易真实性并快速完 成审批流程，大幅缩短了融资周期，从根本上解决了中小微企业 "融资慢、担保难" 的问题。 自合作落地以来，5000余万元贷款资金已精准流向医院供应链各关键环节：一方面，帮助药品供应商及 时补充库存、保障医院日常用药储备充足，避免因缺货影响患者用药；另一方面，支持耗材企业顺利完 成批次生产、确保手术及诊疗所需耗材稳定供应，同时助力医疗设备服务商及时开展设备维护，保障医 院诊疗设备正常运转。这一系列金融支持，不仅缓解了中 ...

Core Viewpoint - Shanghai Jing'an Capital Investment Operation Co., Ltd. has officially launched, aiming to integrate state-owned fund operations with a model of "government-guided funds + direct investment + market-oriented" to create a hundred billion investment matrix [4][6]. Group 1: Company Overview - Jing'an Capital has a registered capital of 12 billion yuan and will focus on strategic emerging industries and future industries, including artificial intelligence, big data, cultural creativity, and life health [6][8]. - The company aims to enhance the value of state-owned listed companies through "strategic shareholding + market value management" and will also handle the revitalization and disposal of inefficient assets [6][8]. Group 2: Strategic Partnerships - Jing'an Capital signed cooperation agreements with eight fund companies, including Daohe High-tech Fund and Fudan Sci-tech Fund, to strengthen the state-owned fund ecosystem in Shanghai [6][8]. - Shanghai State Investment Company will collaborate with Jing'an Capital in key areas such as artificial intelligence and big data, promoting capital linkage between city and district levels [8]. Group 3: Investment Performance - The Jing'an Industrial Guidance Fund has invested in nine sub-funds with a total investment scale of 1.6 billion yuan, leveraging approximately 24 times the capital scale and generating over 3 billion yuan in new tax revenue [7]. - The Shanghai Future Industry Fund has increased its scale from 10 billion yuan to 15 billion yuan and has announced plans to invest in 18 sub-funds this year [10][12]. Group 4: Industry Context - The article highlights the active investment landscape in Shanghai, with multiple funds being established to support the growth of strategic industries, indicating a strong correlation between venture capital activity and urban development [10][12].

Core Insights - HuiBo YunTong showcased its full-stack technology service capabilities at the Data Centre World Asia exhibition, receiving high recognition from attendees for its presentation on integrating AI with tangible services [1] - The company is transitioning from product output to technology and service output, connecting Chinese technology solutions with global demands, and enhancing its international brand influence [1][2] - HuiBo YunTong has established a global delivery network with branches in 14 countries, providing one-stop solutions for enterprises looking to expand internationally [3] Group 1: Company Developments - HuiBo YunTong presented its core capabilities in software technology services, professional technical services, and product solutions at a provincial sharing event, emphasizing its advancements in large model application development and financial technology [2] - The company focuses on addressing industry pain points and customer needs, providing high-value technical services to various sectors including telecommunications, finance, and automotive [2] - HuiBo YunTong has formed long-term partnerships with numerous Fortune 500 companies, enhancing their global competitive advantage [3] Group 2: Global Strategy - The company employs an innovative model of "technology output + resource collaboration + compliance support" to assist clients in market insights and implementation [3] - HuiBo YunTong offers diverse cooperation models such as on-site, nearshore, offshore, project-based, and turnkey solutions to meet personalized client needs [3] - The company aims to contribute Chinese wisdom and solutions to global digital transformation, aspiring to become an international, professional, and innovative comprehensive digital technology service provider [4]

Core Viewpoint - The company Qichacha Technology Co., Ltd. has submitted its IPO application to the Shanghai Stock Exchange, aiming to raise 1.5 billion yuan for the development of artificial intelligence and big data products [2][6]. Company Overview - Qichacha is a leading enterprise in the field of credit information and commercial big data services in China, established in 2014, focusing on data collection, cleaning, mining, analysis, and application across various sectors [2][3]. - The company has developed a one-stop enterprise credit information big data service platform, recognized as a demonstration project by the Ministry of Industry and Information Technology for 2023 [3]. User Base and Product Offerings - As of June 2025, Qichacha is projected to have over 150 million registered users and more than 80 million monthly active users [3]. - The company offers various data products for both C-end (consumer) and B-end (business) users, covering areas such as commercial transactions, risk management, financial services, and legal affairs [3]. Market Position - Qichacha ranks second in market share and mobile active user numbers among general commercial big data service providers in China, with the highest download volume in mobile app stores [4]. - The company has established partnerships with major clients, including five state-owned banks, twelve joint-stock commercial banks, over 80 insurance companies, and more than 200 law firms [3]. Financial Performance - Qichacha's revenue for 2022, 2023, 2024, and the first half of 2025 is reported as 518 million yuan, 618 million yuan, 708 million yuan, and 375 million yuan respectively, with a compound annual growth rate of 16.89% [5]. - The net profit attributable to the parent company for the same periods is 190 million yuan, 259 million yuan, 317 million yuan, and 172 million yuan, reflecting a compound annual growth rate of 35.42% [5]. Use of IPO Proceeds - The 1.5 billion yuan raised from the IPO will be allocated to AI and big data product development, with specific amounts designated for various projects, including 503 million yuan for AI research and 458 million yuan for C-end product upgrades [6]. - The funding aims to enhance the performance of both C-end and B-end products, improve technological barriers, and expand market share [6].

Core Insights - The article emphasizes the importance of data analysis skills for APP operation newcomers, highlighting the CDA Data Analyst certification as a valuable asset in the digital economy and AI development trend [1][18]. Group 1: APP Operation Core Work and Skill Requirements - APP operation encompasses user operation, content operation, activity operation, and data analysis, requiring skills in user psychology, copywriting, event planning, and data problem-solving [1][4]. - Essential skills include communication, copywriting, event planning, data analysis tool usage (such as Excel, SQL, and basic Python), and market sensitivity [1][4]. Group 2: Skill Enhancement Stages for APP Operation Newcomers - The skill enhancement process is divided into three stages: Basic Entry Period (0-6 months), Capability Strengthening Period (6-12 months), and Advanced Breakthrough Period (1 year and beyond) [3][9]. Basic Entry Period (0-6 months) - Focus on familiarizing with work processes and mastering basic tools, establishing operational thinking [5][6]. - Specific actions include learning company products and industry knowledge, mastering basic tools like Excel and SQL, and participating in team collaboration [6][7]. Capability Strengthening Period (6-12 months) - Aim to independently manage small modules and enhance data-driven decision-making abilities [10][11]. - Specific actions involve strengthening data analysis skills, improving event planning and execution, and enhancing copywriting and user communication [11][12]. Advanced Breakthrough Period (1 year and beyond) - Target becoming a core team member with strategic vision [13][14]. - Specific actions include learning advanced data analysis, expanding management and leadership skills, and continuously learning about industry innovations [14][15]. Group 3: Importance of CDA Data Analyst Certification - The CDA Data Analyst certification is highlighted as a crucial skill enhancement tool, enabling precise user problem identification, activity optimization, and market trend prediction [18][23]. - The certification is recognized by many companies, providing a competitive edge in job applications, especially in data-driven roles [20][22]. - The certification is particularly suitable for APP operators, aligning with big data and AI trends, and offers practical applications relevant to operational challenges [23][25].

Core Insights - The book "The Past, Present, and Future of Low-altitude Economy" by Professor Wu Renbiao provides a comprehensive analysis of the low-altitude economy from a civil aviation perspective, emphasizing the importance of understanding its historical context to avoid resource wastage and missed opportunities [1][2] - The low-altitude economy is identified as a new productive force, intersecting with emerging fields such as renewable energy, 5G/6G communication, and artificial intelligence [1][2] - The Chinese government is actively promoting the low-altitude economy as a new growth engine, with multiple provinces including it in their 2024 work reports [2] Industry Development - The 2023 Central Economic Work Conference highlighted the low-altitude economy as a key area for future growth, with plans to foster new industries including biomanufacturing and commercial aerospace [2] - The Ministry of Industry and Information Technology and other departments have initiated plans for the innovation and application of general aviation equipment from 2024 to 2030, aiming to build a modern advanced manufacturing cluster [2] - The book outlines the basic structure of the low-altitude economy industry, detailing the upstream production of core components and complete machines, midstream operational services, and downstream applications across various sectors [3] Recommendations for Growth - The book suggests revising traffic safety laws and enhancing local governance to facilitate the broader adoption of intelligent driving vehicles, which could increase public acceptance of low-altitude operations [4] - It emphasizes the need for collaboration between state-owned and private enterprises to foster a healthy development of the low-altitude economy, given its capital and technology-intensive nature [5] - Local governments are encouraged to tailor their low-altitude economic strategies to their specific regional contexts, ensuring safety and effective planning [5] Future Projections - The low-altitude economy is projected to reach a market value of approximately 2 trillion yuan by 2030, indicating significant growth potential [5] - The book introduces a regional competitiveness evaluation index for the low-altitude economy, which includes various indicators to assess strengths and weaknesses, aiding in future development strategies [6]

Core Viewpoint - The Bank of China has initiated the migration of its credit card app "Bountiful Life" to the main "Bank of China" app, marking a significant trend in the banking industry towards consolidating financial services apps [1][2]. Group 1: Industry Trends - The closure of credit card apps has primarily been seen in smaller banks, but now major state-owned banks are following suit, indicating a shift in the industry [2]. - The trend reflects a broader industry movement where banks are responding to regulatory pressures and changing consumer preferences, leading to the closure of inefficient apps [3][4]. Group 2: Digital Transformation - The integration of credit card apps is part of a larger digital transformation in the banking sector, moving from a focus on scale to quality [4]. - The regulatory environment has accelerated this process, with guidelines issued in September 2024 prompting banks to optimize or terminate underperforming apps [4]. Group 3: Future Implications - The migration signifies a shift from a fragmented app ecosystem to a more unified platform approach, enhancing user engagement and operational efficiency [5]. - Recommendations for future digital transformation include optimizing mobile ecosystems, enhancing digital capabilities, exploring diversified services, and ensuring compliance and security during data migration [5].

Group 1 - The core viewpoint is that a technological revolution is fundamentally reshaping the business world, with technologies like AI, big data, and IoT driving new consumption patterns and pushing Chinese manufacturing up the global value chain [2][3] - China's manufacturing sector has historically faced a "brand deficiency," but has rapidly evolved into the world's largest manufacturing powerhouse, achieving remarkable growth through the release of demographic and engineering dividends [2][3] - The shift towards a new development model in China emphasizes domestic consumption as the primary driver of economic growth, with final consumption expenditure projected to account for 39.9% of GDP by 2024 [3][4] Group 2 - The transformation of consumption is closely linked to technological empowerment, with past trends showing a progression from filling market gaps to enhancing efficiency and now to creating value through technology [5][6] - Current consumption trends are driven by advanced technologies such as AI, IoT, and new materials, which are integrated into the entire consumption process, moving from efficiency to value co-creation [5][6] - The cycle of "technology research and development—industry application—commercial feedback—reinvestment in R&D" is crucial for sustaining economic growth and innovation [6][8] Group 3 - The global competitive landscape has shifted from product competition to systemic competition based on technology, standards, and ecosystems, with developed countries leveraging their technological advantages [6][7] - China possesses the largest consumer internet ecosystem and a complete manufacturing supply chain, providing an opportunity to ascend the global value chain by transforming consumption market advantages into capabilities for defining products and setting standards [6][7] - Companies like SHEIN exemplify the integration of digital technology in consumption, utilizing AI to analyze trends and optimize supply chains, thus enhancing their competitive edge [7][8] Group 4 - The concept of "technology-enabled new consumption" is seen as a strategic necessity for overcoming growth challenges and participating in global competition [8][9] - This transformation redefines the value chain of the consumption industry across research, production, marketing, and supply chain dimensions, enabling the creation of high-quality, affordable products and exceptional experiences [8][9] - The ultimate goal is to convert technological innovation into commercial value and societal benefits, making advanced technologies accessible to the general public [9][10]