在数字化与智能化浪潮下，企业AI（Enterprise AI）已成为推动组织降本增效、构建可持续竞争力的关 键技术体系。企业AI特指面向企业级业务场景，以机器学习、自然语言处理、计算机视觉等人工智能 技术为核心，深度融合企业数据与业务流程，旨在解决复杂商业问题、提升运营效率并创造新增长动能 的综合性解决方案。与消费级AI不同，企业AI更注重规模化部署、可量化的投资回报、数据安全合规 以及与业务场景的深度耦合。 一、企业AI核心应用场景与价值 企业AI已广泛应用于客户服务、数据分析、供应链管理、智能制造、合规风控等多个领域。在智能客 服场景中，AI可替代部分人工坐席，实现24小时快速响应，提升客户满意度；在数据分析方面，AI能 自动处理海量信息，输出精准的决策建议，助力企业实现数据驱动运营；在供应链与物流领域，AI通 过需求预测与路径优化，显著降低库存成本与履约周期；在智能制造中，AI依托机器视觉实现质量检 测与设备预测性维护，提升生产效能与产品一致性；在合规风控方面，AI能够识别异常交易与合同风 险，帮助企业规避经营风险。 二、主流企业AI厂商与方案对比 目前，企业AI市场主要由国际科技巨头、国内云服务商及垂 ...

炒股就看金麒麟分析师研报，权威，专业，及时，全面，助您挖掘潜力主题机会！ 来源：中国标准化 导 读 2026年1月，埃及标准化组织（EOS）主席哈立德·苏菲博士正式就任国际标准化组织（ISO）主席。在 此次就职致辞中，他阐述了对ISO的愿景：将其打造成一个合作与包容的平台，并使国际标准成为加速 创新与可持续发展的关键推动力。 当今世界正处于快速变革与不确定性日益增加的时代，国际标准比以往任何时候都更加重要。面对变 革，它能提供一致性；面对疑虑，能提供权威性；面对分化，能提供统一性。 标准通过提供框架和机制，确保产品、服务和系统达到可衡量的质量要求，从而促进创新蓬勃发展。这 使标准成为国际贸易的强大催化剂，它作为一种共同语言能建立信任、促进互操作性，并支持全球可持 续与公平发展。 我对ISO的愿景很明确：确保我们始终是多边合作的核心支柱，强化标准在推动可持续进步以及塑造共 同未来的数字创新中的关键作用。以下是我们实现这一愿景的一些具体途径。 面向现代世界的一流标准 ISO必须继续引领制定高质量的国际标准，这些标准应体现前沿水平、满足市场需求并提供应对全球挑 战的解决方案。特别是在新兴技术与环境可持续性这两个备受 ...

编辑丨 巫燕玲 1月13日晚，中银证券（601696.SH）公告称，原首席科学家葛浩因个人原因递交辞呈，辞任 后将不在公司担任任何职务。 公告显示，葛浩离任时间为2026年1月12日，原定任期到期日为第二届董事会届满之日，此番 为提前卸任。 中银证券表示，葛浩将按照公司相关规定做好交接工作，其辞任不会影响公司正常运作，辞呈 自送达公司董事会之日起生效。 记者丨 孙永乐 值得注意的是，中银证券是券业首次设置"首席科学家"岗位的券商。2020年上市当年，中银证 券聘任了原百度大数据部负责人葛浩担任公司首席科学家。 目前，券业仍以首席信息官（CIO）岗位为主，2025年内已有10余家券商迎来新任首席信息 官。CIO作为券商数字化战略的主要制定者和推动者，正日益成为行业变革的焦点。但像中银 证券这样从外部聘请互联网技术人才担任首席科学家的情况并不多见。 除了开创券业先河，中银证券首席科学家的待遇也相当可观。 2024年任职近六年的葛浩年薪 高达201.82万元，成为公司年薪最高的高管，较排名第二的原董事长宁敏高出50.22万元。 如今，葛浩正式离任中银证券，业内除了关注他个人提前卸任的原因，更将目光聚焦于公司的 两大 ...

Core Insights - Airbus has released its Global Services Forecast (GSF), predicting significant growth in the global aviation services market over the next 20 years, particularly highlighting China's emergence as the largest market by value [1] Group 1: Market Growth - The aviation aftermarket service market is shifting eastward, with China's market expected to grow from $24.8 billion in 2025 to $63.8 billion by 2044 [1] - China is projected to receive approximately 9,570 new aircraft over the next 20 years, which will enhance the demand for various services throughout the aircraft lifecycle [4] Group 2: Passenger Traffic and Infrastructure - In 2025, China's domestic passenger transport volume is expected to increase by 17% compared to pre-pandemic levels in 2019, while international routes have recovered to over 90% of 2019 levels [4] - Continuous investment in airport infrastructure and air traffic management in China supports the growth of aviation traffic while maintaining high operational efficiency [4] Group 3: Key Growth Areas - The growth of China's aviation services market will be driven by five key areas: non-wing maintenance, on-wing maintenance, modifications and upgrades, digitalization and connectivity, and training [4] - By 2044, the Chinese aviation industry will require over 485,000 new technical personnel, including 131,000 pilots, 143,000 maintenance technicians, and 211,000 cabin crew members [4] Group 4: Digital Transformation - Chinese airlines are accelerating their digital transformation towards a more interconnected ecosystem, with over 9,000 aircraft expected to have onboard connectivity [5] - Digital operations are projected to save over $2.2 billion in operational costs and an additional $5.7 billion through reduced fuel costs, while enhancing passenger experience [5]

越通社1月14日报道，第六届东盟数字高官会议（ADGSOM）及相关会议于1月12日至14日在越南 河内召开，东盟11个成员国信息技术、电信和数字化转型主管机构代表团团长及代表、东盟秘书处及相 关合作伙伴与会。 高官会还与东盟数字领域对话伙伴举行了会议，旨在交流合作情况、审议现有项目和计划进展，讨 论未来合作方向和提议。各方强调，加强东盟与合作伙伴间的协调与互补十分重要，可积极推动各方在 信息技术、电信和数字化转型领域开展符合东盟优先事项的实质性和有效合作。 （原标题：第六届东盟数字高官会议在河内召开） 除东盟数字高官会，同期还举行了专业工作组联席会议和东盟电信监管机构理事会会议，以审议技 术合作活动实施成果，讨论下一阶段建议与倡议。 各代表团团长交流优先合作事项实施进展，重点聚焦加强东盟成员国间数字政策协调与协同；构建 区域合作框架、原则与指南；缩小东盟内部各国及各社群间数字鸿沟；促进创新及新兴技术应用；加强 东盟数字空间的安全、保障与韧性；发展数字人才和数字技能，特别是针对青年和年轻劳动力。 ...

第四，差异化不足。不同规模、类型、发展阶段的农业经营主体，贷款需求差异大，农村金融机构 应实施差异化服务策略，根据农业经营主体特点，设计专门产品、简化流程、调整额度利率等，如为创 业初期主体提供种子资金与扶持贷款，发展壮大期提供中长期项目贷款等多元化服务，有助于优化金融 资源在不同农业经营主体间的配置，提升各主体发展动力与效率，促进农业信贷市场精细化发展。目前 看，农村金融机构尚缺乏丰富的金融产品，难以精准对接，这让一些农业主体的信贷需求得不到满足， 产生了贷款体验与数据表现之间的反差。 当然，造成一些农业主体的贷款体验与数据表现并不一致的原因较多，这也说明，农村金融市场仍 有待深耕，也大有可为，农村金融机构应补短板，平衡分配信贷资源，在追求经济效益的同时，增强使 命感与责任感，让普惠金融既"普"且"惠"。 在日前举行的一次论坛上，有专家表示，在我国普惠金融取得长足发展、普惠金融领域贷款持续保 持较快增长的同时，农村信贷结构性失衡现象仍然存在。 第二，信贷渗透率待提升。信贷渗透率关乎农村金融服务的广度和深度，尽管近年来，农村金融机 构持续深耕农村市场，农业经营主体普遍受益，但仍有金融毛细血管未能渗透到的地方。 ...

Core Insights - The trust industry in China is experiencing significant growth, with asset management trusts and asset service trusts becoming the dominant business models, marking a shift from traditional financing methods [1][2] - The industry is undergoing a fundamental transformation towards a modern financial service system, focusing on high-quality development and risk prevention [2][8] Business Structure and Trends - Asset service trusts have seen a notable increase, accounting for at least 24.67% of the industry, with family trusts and insurance trusts experiencing explosive growth [2][3] - Asset management trusts remain the mainstay, comprising 75.33% of the industry, but are shifting towards standardized asset-based investment models [3][9] - The regulatory environment is evolving, with a new "1+N" regulatory framework established to support long-term healthy development [3][4] Regulatory Developments - The revised "Trust Company Management Measures" marks the first comprehensive update in 18 years, enhancing standards for institutional entry, governance, and risk isolation [3][4] - A differentiated regulatory approach is being implemented, optimizing resources based on institutional ratings to encourage excellence and limit underperformance [4][8] Technological Advancements - Digital transformation is becoming a core strategy for trust companies, with generative AI being a focal point for enhancing operational efficiency and decision-making [5][6] - Leading institutions are investing in integrated digital platforms to support the complex management of asset service trusts and standardized investments [6][9] Performance and Challenges - Despite the growth in asset scale, the industry faces challenges, including a 2.83% year-on-year decline in net profit and an 11.38% drop in trust business revenue in the first half of 2025 [7] - The "Matthew effect" is intensifying, with top institutions maintaining their lead while some companies struggle with profitability [7][8] Future Outlook - The trust industry is expected to enter a new phase of high-quality development, with a focus on compliance and governance effectiveness [8][9] - The value of service trusts is anticipated to increase as supporting systems improve, leading to more personalized and intelligent offerings [8][9] - Asset management capabilities will become the core competitive advantage, with a shift from regulatory advantages to capability-driven performance [9]

Core Insights - The company launched an online annual wealth statement activity titled "Ganflo Unceasing, Wealth Inheritance" to connect users emotionally and promote traditional Chinese culture through financial services [1][2] - The integration of regional cultural elements into online services reflects the company's strategic development philosophy of "Deepening Jiangxi, Serving the Nation" [2][4] - The annual statement activities have consistently highlighted Jiangxi's cultural heritage, incorporating elements like Jingdezhen ceramics and Gannan tea-picking opera to enhance user experience [2][3] Cultural Integration - The 2023 annual statement focused on Jiangxi's intangible cultural heritage, while the 2025 statement will emphasize the theme of cultural inheritance and urban image promotion [2][3] - The "Investment Chronicle" section of the annual statement represents the company's commitment to long-term service, while "Wealth Water" symbolizes the concept of sustainable wealth growth [3] - The use of local cultural symbols in visual design aims to deepen the connection between financial services and regional identity, promoting a long-term and rational investment perspective among users [3][6] Digital Transformation - Digital transformation is identified as a core engine for high-quality development in the securities industry, with the company focusing on technology empowerment and enhancing online operational capabilities [4][6] - The company has developed a series of online activities, such as the 818 Financial Festival and annual statements, to serve as dual carriers for cultural dissemination and business development [4][5] - The 2024 818 Financial Festival will incorporate AI technology, marking a shift towards a "Culture + Technology" dual-driven model [5] User Engagement - The company aims to create a user experience that reflects its commitment to cultural empowerment in financial services, enhancing user engagement and loyalty [6] - The ongoing development of a structured online activity system throughout the year aims to integrate traditional culture into regular operations, thereby improving the platform's user activity and retention [6] - Future plans include further integration of financial technology and business operations to create more culturally rich and user-valued online activities [6]

1月14日下午，由河南省社会科学院主办的《河南流通发展报告（2026）》出版宣介暨"全方位扩大 内需"座谈会在郑州举行。 《河南流通发展报告（2026）》以"全方位扩大内需"为核心主题，分为总报告、主题报告、分报 告、专题报告、区域报告5个部分。 优化城乡商贸网络，构建品质消费新格局。实施城市商圈"焕新工程"。借鉴上海徐家汇"存量激活 +立体联动"模式，对二七商圈开展"硬件改造+功能重构"。针对郑东CBD商业载体不足问题，规划建设 高端商业综合体，聚焦金融、商务人群需求，引入轻奢零售、高端餐饮等业态，提升商业规划与客群消 费的匹配度。推动品牌与业态升级。实施"品牌郑州"培育计划，依托食品、纺织等优势产业，推动企业 向价值链高端延伸，开发高端定制、文化创意等衍生产品。 强化流通保供韧性，筑牢民生保障底线。构建多元市场供应体系，规划建设1~2家一级农产品批发 市场，选址时重点考虑交通疏散便利性；培育区域性二级配送中心，提升应急状态下的替代供应能力。 完善农村商贸流通体系，激活乡村消费潜力。建设县乡村三级便民服务网络，在乡镇商贸中心整合 家电维修、母婴护理等服务业态，引人第三方服务机构入驻，减少农村服务消费外流。 ...

信号一： 全力以赴稳经营、提质效 2025年以来，国际环境变乱交织，中央企业顶住压力、经营稳中有进。 新的一年，面对不确定难预料因素增多，中央企业怎么干？ 国务院国资委主任张玉卓在会上提出，中央企业要以抢抓市场拓展发展空间，要密切关注宏观形势，加 强行业运行结构性、趋势性分析，提升产供储销各环节的反应灵敏度；要通过强化管理来提高发展质 量，坚持向内挖潜，做好全面预算管理，加强全员、全要素、全生命周期成本管控。 新的一年，国务院国资委要求中央企业继续"以有效投资积蓄发展潜力"，明确要求围绕产业链强基补 短、基础设施建设、能源资源保障、前瞻产业布局等重点领域，用好各类支持政策，靠前谋划实施一批 重大项目和标志性工程。 信号二： 多措并举优布局、调结构 ●新华社记者 王希 国有经济布局优化和结构调整，是做强做优做大国有资本和国有企业的内在要求。 2026年是"十五五"规划开局之年。国资央企如何统筹抓好改革发展等各项工作？前不久举行的中央企业 负责人会议释放了新信号。 "十四五"时期，国资央企以前所未有力度加强科技创新，中央企业研发经费投入累计超过5万亿元，新 兴产业领域投资年均增速超过20%，科技人才数量增加近50 ...