气候驱动农业版图重构 陕西省延安市吴起县的黄土地曾经以种植紫花苜蓿、荞麦和发展养羊业为主。如今，这片土地已被 十二万亩连绵的苹果园覆盖。这是气候变化带来的深刻改变。资料显示，气候变暖已推动陕西苹果种植 带北移200公里，新增适宜区达27.7万公顷。 悄然变化的气候，正无声地重塑着农业的边界。为科学应对这一变局，我国于2023年启动了新一轮 农业气候资源普查和区划试点（以下简称"农业气候区划"）工作。 农业气候区划工作将如何为农业应对气候变化提供"导航"？保证工作顺利开展需要哪些科技力量？ 近日，科技日报记者采访了相关专家。 数据显示，1961—2020年，全国各地区年平均气温基本呈一致上升趋势。 热量资源的增加，显著延长了作物生长季，推动种植边界向北扩展。国家气候中心研究员廖要明介 绍，以大豆为例，最近30年，我国大豆已扩种至大兴安岭地区的黑龙江省塔河县南部，平均向北推进了 约30公里。"这意味着，曾经因寒冷无法耕种的土地，如今也能长出大豆。"廖要明说。 大豆的"北上"，只是气候驱动下农业版图重构的一个例证。 在黑龙江，玉米极早熟品种可种植区域北移至加格达奇—嫩江—孙吴—黑河—呼玛一线，北移约 120公里；水 ...

Core Insights - Hebei Unicom is leveraging innovative technologies to enhance public services and optimize user experience, contributing to high-quality development through digital solutions [1] Group 1: Industrial Innovation - Hebei Unicom has supported Hebei New Energy Technology Co., Ltd. by implementing a predictive maintenance system for over 500 critical devices, transitioning from reactive to proactive maintenance, significantly improving operational efficiency [2] - The integration of 5G technology has resolved previous issues with unstable industrial Wi-Fi networks, ensuring smooth operations in the coking production process [2] Group 2: Agricultural Upgrade - The implementation of a smart greenhouse system in the Xiaoliang Vegetable Planting Cooperative has increased crop yield by 15% through data-driven irrigation and fertilization, replacing traditional methods based on experience [4] - The project incorporates IoT, blockchain, and big data technologies to transform agricultural practices from experience-based to data-driven, addressing challenges in production efficiency and resource waste [4] Group 3: Ecological Protection - Hebei Unicom has enhanced communication network coverage in the Saihanba forest area, facilitating reliable mobile connectivity for visitors and supporting ecological monitoring [6] - The deployment of high-definition infrared cameras and a smart fire prevention platform enables early detection and precise location of fire incidents, contributing to ecological protection and sustainable development [6] Group 4: Service Philosophy - The initiatives by Hebei Unicom in industrial, agricultural, and ecological sectors reflect a commitment to the service philosophy of responding to public needs, aiming to enhance community satisfaction and support high-quality industry development [8]

Group 1 - The industry has shifted from a sales-driven model to a service-driven model, emphasizing the importance of providing effective, valuable, and precise services to users [2] - At the 2025 Huaxia Health Industry Development and Rehabilitation Service Conference, discussions focused on the integration of industries and value reconstruction under the new economy [2] - Users are increasingly demanding higher quality and timely health services, preferring to seek information online when experiencing discomfort, which is driven by big data technology [2] Group 2 - The company has developed systematic capabilities in data management, user operations, and AI technology integration over ten years, allowing for more precise identification and fulfillment of patient needs [3] - Looking ahead, the company aims to utilize big data and intelligent technology for more accurate medical science popularization in disease prevention and targeted treatment plans during the treatment phase [3] - The integration of technology into the medical and health industry is expected to enhance the efficient allocation of medical resources, ultimately benefiting patients [3]

Core Insights - The article discusses the comprehensive upgrade of credit card services by Ping An Bank, transforming credit cards from mere payment tools into integrated service platforms that enhance safety, convenience, health, and quality of life [1][5]. Summary by Sections Upgrade of Five Major Guarantees - Ping An Bank has introduced a "72-hour fraud protection" service, offering coverage for losses up to 300,000 yuan within 72 hours before reporting the loss, with a claims processing time of 3 to 5 working days [3]. - The bank provides travel insurance for all cardholders, covering various modes of transportation with a maximum coverage of 1 million yuan [3]. - An innovative "AI Doctor" service is now available, offering 12 free consultations per year for each cardholder, with a rapid response time of 5 seconds, catering to nearly 45 million cardholders [3]. - Flexible repayment options have been introduced, including self-deduction, scheduled payments, installment payments, and point redemption, along with a 3-day grace period and a minimum repayment ratio as low as 2% [3]. Service Experience Enhancement - A dedicated customer service system via WeChat has been established, providing one-on-one service with personalized care and recommendations for benefits and activities [4]. - Users can receive timely notifications about spending changes, bills, and repayment reminders through the official WeChat service account, facilitating quick account management [4]. Transition to a Comprehensive Service Model - The upgrade signifies a shift from a "transaction center" to a "user center" service paradigm, evolving credit cards into "lifestyle partners" rather than just payment instruments [5]. - The initiative aligns with Ping An Group's strategic focus on "reform and innovation," aiming for continuous service and product upgrades [5]. - The credit card is positioned as a gateway to a wide range of services, including insurance, health management, travel services, and quality consumption, embodying the "省心、省时、又省钱" (save worry, save time, save money) philosophy [5]. Future Outlook - With the integration of AI and big data, Ping An Bank's credit card services are expected to expand further into risk protection and health intervention, maintaining a user-centric approach [6]. - The goal is to create a financial lifestyle that is not only efficient but also warm and deep, establishing the credit card as an indispensable "all-in-one partner" in users' lives [6].

Core Insights - The financial technology group, Xinye Technology, reported its Q3 2025 unaudited financial results, achieving a revenue of 3.5 billion yuan and a net profit of 640 million yuan [2] - The company facilitated a transaction volume of 51.2 billion yuan during the quarter, with a loan balance of 77.1 billion yuan, serving nearly 38.4 million users globally [2] - Xinye Technology's CEO emphasized the effectiveness of the company's strategy focused on local foundations and global outlook, aiming for sustainable value growth through technology development and service optimization [2] Financial Performance - Q3 revenue reached 3.5 billion yuan, with a net profit of 640 million yuan [2] - The company has repurchased approximately 66.5 million USD worth of shares this year, totaling 437 million USD since 2018 [2] - Domestic business served 28.4 million users, while international revenue accounted for 25% of total revenue, indicating strong growth in international markets [2] Technological Advancements - Xinye Technology is increasing investments in artificial intelligence and big data, enhancing risk control, operations, and customer service [3] - The company upgraded its AI customer service system, completing over 1 million automated services, which improved service efficiency and reduced costs [3] Social Responsibility and ESG Initiatives - The company released its 2024 ESG report, highlighting advancements in technology innovation, environmental protection, and community support [3] - In 2024, Xinye Technology supported 826,000 small and micro users with nearly 58 billion yuan in credit, and its "Good Store" initiative benefited over 15,000 individuals from vulnerable groups [3]

值得警惕的是，依托大数据技术的新型网购诈骗开始出现。诈骗分子通过非法渠道获取消费者的消费记 录、购物偏好、支付能力，乃至心理特征，又将这些数据转化为诈骗"利器"，精准锁定目标，量身定制 骗局。 例如，有诈骗分子冒充电商客服，以"订单异常需取消""货坏退款"为由，诱导消费者点击虚假链接填写 银行卡信息；有虚假商家客服将消费者拉入所谓的"商家群"，声称"帮店铺刷单就能赚佣金"。这些骗局 往往与真实消费环节高度贴合，消费者稍有不慎便会落入圈套。 治理网购骗局，需多方协同构建起全方位反诈防护机制，让诈骗分子无机可乘。 电商平台应主动担当作为，做好平台安全防护和数据管控，严防消费者信息泄露。同时，运用技术手段 识别和拦截可疑链接，加强入驻商家资质审核，建立快速响应的反诈机制。快递物流企业要完善消费者 信息保护机制，坚决杜绝从物流环节泄露消费者数据。监管部门则应持续加大对诈骗行为的打击力度， 形成有力震慑。消费者也要提高警惕，不轻信陌生来电、不点击不明链接、谨慎提供个人信息，遇到可 疑情况主动通过官方渠道核实。 （文章来源：经济日报） "快递已放家门口，有疑问请拨打电话"，这样一条看似平常的短信，可能藏着诈骗陷阱。"双1 ...

Core Insights - The article discusses the increasing importance of market position certification for companies, highlighting its role in enhancing brand value, market trust, and attracting investment [2][3]. Group 1: Market Position Certification - Market position certification is crucial for reflecting a company's comprehensive strength and product market position, which in turn boosts product competitiveness and brand image [2]. - The demand for market position certification is expected to rise due to intensifying market competition [2]. Group 2: Future Trends in Certification - A diversified certification system will emerge, focusing on specialized standards tailored to different industries [3]. - The certification process will become more intelligent through the integration of AI and big data, improving efficiency and accuracy [3]. - International collaboration in certification will strengthen, allowing companies to better meet global market demands [3]. Group 3: Brand Value and Market Share - Certification results can enhance brand credibility and attract consumers [5][6]. - Market position certification is linked to consumer trust in brands, which is essential for expanding market share [7][8]. - Establishing comprehensive brand competitiveness can lead to greater market space and support high-quality development for companies [14]. Group 4: Industry Insights - The jump rope industry has evolved into a comprehensive sector encompassing product development, sales, and promotion, with active participants exceeding 250 million in China as of 2024 [11]. - The adult market's growth reflects a shift in health awareness, with younger consumers prioritizing health management over mere weight loss [11]. - Diverse consumer needs are emerging, with professional athletes focusing on product performance and ordinary users valuing smart features [11].

Group 1 - The phenomenon of "giant tags to prevent returns" has become a trend among merchants during this year's Double Eleven shopping festival, as they face high return rates, particularly in women's clothing, which exceeds 80% [3][4] - Merchants have started using oversized tags, comparable to A4 paper, to deter consumers from returning items after wearing them, as these tags increase discomfort and visibility [3][6] - The high return rates in the e-commerce sector, particularly for women's clothing, are driven by consumers exploiting the "seven-day no-reason return" policy, leading to significant economic losses for merchants [4][9] Group 2 - The rise of giant tags is a response to the growing issue of malicious returns, where consumers use the return policy to take advantage of free clothing [6][7] - The use of giant tags reflects a breakdown of trust in the e-commerce market, as merchants assume all consumers may be potential returners, which can alienate honest customers [9][10] - The introduction of giant tags has created a dilemma for merchants, balancing the need to reduce returns while maintaining customer flow, as the negative shopping experience may lead to a decrease in conversion rates [10][12] Group 3 - To address the challenges posed by high return rates, the e-commerce market should consider implementing effective mechanisms and technologies, such as AI and big data, to improve return verification processes [12] - The integration of VR and AR technologies could enhance the online shopping experience, helping consumers better understand products before purchase, thereby reducing returns [12] - Exploring fairer return policies, such as tiered return shipping fees and encouraging consumer feedback, could foster better interactions between merchants and consumers [12]

Core Insights - The Shanghai International Cotton Trading Center (SICC) has signed a cooperation agreement with the School of Computer Science and Artificial Intelligence at Shanghai University of Finance and Economics to integrate artificial intelligence and big data technology into the commodity supply chain [1][3] - The collaboration aims to foster innovation in industry-academia-research cooperation and cultivate composite talents that meet industry needs, supporting the digital transformation of the real economy [1][3] Group 1 - The signing ceremony was hosted by the financial director of SICC, with key representatives from both organizations in attendance [3] - SICC, as the only spot trading platform for cotton, textile raw materials, and textiles in the Shanghai Free Trade Zone, is committed to a development strategy centered on trading services and supported by big data information [3] - SICC has been advancing digital transformation projects like the "Shangmian Data Chain" but faces challenges in AI model training and talent reserves, seeking deep cooperation with the university in four areas: talent co-training, joint research, resource sharing, and spiritual integration [3] Group 2 - The School of Computer Science and Artificial Intelligence at Shanghai University of Finance and Economics is a significant initiative aligned with the national strategy for technological advancement and has a strong research foundation in computer science and artificial intelligence [3] - The collaboration is expected to leverage research and talent advantages to jointly tackle areas such as big data analysis, large model application development, and intelligent risk control, aiding the digital upgrade of the real economy [3]

Core Insights - The article emphasizes the necessity for China's financial system to transition from a scale-oriented model to one focused on efficiency, driven by the need for high-quality economic development [4][5][6]. Group 1: Evolution of Production Factors - The shift from traditional production factors (land, labor, capital) to the recognition of data as a fifth production factor highlights the changing landscape of economic growth in the digital age [2][3]. - Data is now seen as a core element driving productivity leaps, surpassing traditional information [2]. Group 2: Role of AI and Digital Technology - The rapid advancement of AI, particularly large model technologies, is transforming financial services by enhancing decision-making and operational efficiency [3][9]. - AI systems are replacing or augmenting human capabilities in information processing and predictive analysis, acting as a new engine for productivity transformation [3][9]. Group 3: Financial Development Goals - The financial sector must prioritize efficiency over mere scale to avoid systemic risks and improve resource allocation, especially for small and innovative enterprises [4][5]. - Enhancing capital allocation efficiency is crucial for the financial system to effectively support entities with high innovation potential and market prospects [5][6]. Group 4: Implementation of Smart Technology - Utilizing big data technology can significantly reduce information asymmetry and enhance transparency within the financial system [7][8]. - AI applications are driving financial services towards greater automation and personalization, improving service quality and efficiency [8][9]. Group 5: Strategic Recommendations for Financial Innovation - China should adopt a top-level design approach to integrate smart finance into national financial development strategies, focusing on long-term planning and cross-departmental coordination [10][11]. - Strengthening digital infrastructure and core technology research is essential for overcoming key technological challenges and fostering innovation [11][12]. - Establishing a regulatory framework that balances innovation and risk management is vital for the sustainable development of smart finance [12].