长江商报消息 ●长江商报记者 汪静 清江之畔，晴光和煦，岁末冬深，荆楚大地年味初绽。 12月24日，湖北文旅集团"荆楚策马迎新春?文旅乘风启鸿程"2026新春营销政策发布会在湖北清江画廊旅游度假区 正式启幕。湖北文旅集团总经理李丽，湖北省文化和旅游厅二级巡视员李和清，宜昌市副市长刘劲松，湖北文旅 集团党委副书记罗迈、副总经理罗钦、副总经理吴传彪，宜昌市文旅局党组成员马奕，长阳县县长张学书等出席 发布会。长阳县相关单位、湖北文旅集团有关单位、旅行合作商和大学生代表共同见证这场聚焦消费升级的新春 文旅盛会。 发布会紧扣2026年9天超长春节假期等节点，依托集团稳健的资本运作与全省优质文旅资源，重磅推出亿元新春文 旅福利矩阵、创新产品体系及区域协同举措，以"福利惠民+产品创新+资本护航"的三重合力激活春节文旅消费市 场，为湖北建设世界级旅游目的地注入强劲动能。 "本次新春政策的发布实际上涵盖了全年的活动内容，"湖北文旅集团景旅运营事业部总经理、文旅创意创新研究 院院长胡学进在接受长江商报记者采访时表示，"我们聚焦'神武峡''赤黄红'两大主轴，围绕文旅融合、科技赋能 以及场景的焕新，推出更新、更有科技感、更有文化韵味 ...

Core Viewpoint - The recent Central Economic Work Conference emphasizes the need for financial institutions to enhance support for expanding domestic demand, highlighting the unique role of insurance in stabilizing the economy and boosting consumption [1][2]. Group 1: Insurance's Role in Consumption - Insurance helps alleviate "worries" related to various risks such as health issues, accidents, and property loss, thereby supporting consumer spending [1]. - Insurance products like life insurance, which have savings attributes, assist individuals in long-term financial planning and ensure stable income post-retirement, promoting balanced consumption across life cycles [1]. - The aggregation of insurance funds into the real economy strengthens the foundation for economic stability, further activating consumption potential [1]. Group 2: Addressing Supply and Demand Gaps - There is a mismatch between supply and demand in the insurance industry, with effective supply failing to meet the growing demand for insurance services, particularly in areas like health, retirement, and medical care [2]. - As of 2024, China's insurance penetration is projected to be 4.2%, significantly lower than the global average of 7%, indicating substantial growth potential for the industry [2]. - The insurance sector should focus on high-quality supply by optimizing products and services to bridge the gap between supply and demand [2]. Group 3: Enhancing Supply Quality - The insurance industry must enhance its proactive approach by focusing on the needs of the population, particularly in the aging demographic, to extend the elderly care service industry chain [3]. - There is a need to develop personalized insurance products and service packages that address specific demands in health management, rehabilitation, and mental well-being for the elderly [3]. - Insurance services are transitioning from merely existing to being of high quality, necessitating innovation in products and services to meet emerging consumer demands [3]. Group 4: Embracing Consumption Upgrade Trends - To boost consumption, the insurance industry must maintain its core focus on risk protection while also embracing trends in consumption upgrades through product innovation and service enhancement [4]. - The industry should leverage technology to optimize service experiences, utilizing big data and artificial intelligence to accurately identify user needs and simplify insurance processes [3][4]. - There is a focus on developing flexible payment and tailored insurance products for new economy workers and gig economy participants to fill existing coverage gaps [3].

Core Insights - The consumer finance industry in China has undergone significant transformation and quality upgrades since the establishment of the first pilot consumer finance companies in 2010, with 31 licensed companies currently operating. The year 2025 will focus on "boosting consumption," "compliance development," "technology empowerment," and the "five major financial themes" as key drivers for the industry [1] Group 1: Boosting Consumption - Multiple consumption-boosting policies implemented this year provide clear guidance for the development of the consumer finance industry through 2025 and beyond. The challenge for consumer finance companies is to adapt to regulatory changes and convert policy benefits into consumption potential [2] - Companies like Zhongyou Consumer Finance and Mengshang Consumer Finance are actively implementing national consumption-boosting policies, focusing on expanding services to key demographics such as new citizens and enhancing consumer experiences through partnerships with platforms like Ele.me and Guangdong UnionPay [3][4] - The policies have provided a solid foundation and market confidence for the consumer finance industry, guiding financial resources towards essential consumer and emerging sectors [5] Group 2: Compliance Development - Regulatory policies have injected stronger momentum into boosting consumption while providing clear directions for the standardized development of consumer finance companies, promoting a more transparent and healthy industry [8] - Companies view compliance as a core competitive advantage, with strict regulations helping to eliminate poor industry participants and create a fairer competitive environment [11] - The focus on compliance is also seen as a means to enhance risk management and protect consumer rights, ensuring that companies can effectively support the real economy and boost consumption [11] Group 3: Technology Empowerment - Technology remains a core competitive advantage for the consumer finance industry, with companies accelerating their digital transformation to provide more convenient and inclusive financial services [12] - Companies are leveraging advanced technologies such as AI and big data to enhance operational efficiency and customer service, with significant investments in technology development and application [13][16] - The integration of technology into business processes has led to improved risk control and customer service capabilities, with companies developing intelligent management platforms and automated response systems [13][14] Group 4: Financial "Five Major Themes" - The consumer finance industry aims to integrate the "five major financial themes" of technology finance, green finance, inclusive finance, pension finance, and digital finance into consumer scenarios and public services [17] - Companies are actively exploring opportunities in green finance and digital finance, with initiatives such as personal carbon accounts and fully online service processes to enhance accessibility [18][20] - The focus on inclusive finance is evident in efforts to tailor products to different customer segments, ensuring that financial services meet the diverse needs of the population [19]

Core Viewpoint - The company focuses on enhancing coal supply stability through skill improvement, technological empowerment, and green safety measures, aiming for dual excellence in quality and efficiency [2]. Group 1: Skill Development and Training - The company conducts regular training competitions to enhance operational skills in coal loading, sampling, and equipment maintenance, ensuring high efficiency in coal supply [3]. - The management emphasizes the importance of both production reserves and skilled operations, highlighting a dual empowerment approach to achieve seamless coal supply [3]. Group 2: Technological Innovation - The company has invested in upgrading hardware and implementing smart monitoring systems, including drone technology for precise coal volume measurement, enhancing operational efficiency [4]. - A "three-priority" policy for coal transport has been established to ensure efficient loading and dispatch of coal vehicles, minimizing delays [4]. Group 3: Environmental and Safety Measures - The company integrates green development principles into its coal supply processes, employing dust control measures and ensuring safe transportation practices [5]. - A 24-hour monitoring system is in place to oversee coal storage conditions, effectively mitigating self-ignition risks and ensuring stable coal storage [5]. - The company actively collaborates with local power plants to adjust supply structures and has completed its monthly storage increase plan ahead of schedule, demonstrating commitment to national energy strategies [5].

Core Viewpoint - Dongguan University of Technology's "Yue Bing Gong Rong" team received recognition from the Ministry of Education for their outstanding performance in the "Promoting Mandarin to Assist Rural Revitalization" national college student summer social practice [2][3][4] Group 1: Recognition and Achievements - The team was also awarded as an excellent team for the 2025 national college student summer "Three Going to the Countryside" social practice activity [4] - The recognition highlights the efforts of Guangdong teachers and students in educational support in Xinjiang [5][44] Group 2: Summer Camp Activities - In the summer of this year, under the support of the Guangdong provincial counterpart assistance to Xinjiang command, the university organized a team of 16 teachers and students to conduct a two-week volunteer service in the Xinjiang Production and Construction Corps [7][9] - The core theme of the activities was "Promoting Mandarin to Assist Rural Revitalization," integrating technology empowerment and cultural inheritance [10] Group 3: Educational Initiatives - The practice team established a "Technology + Culture" summer camp at the First Middle School of the 51st Regiment, offering courses such as rocket making, Scratch programming, and AI psychological painting [13][15] - They donated educational tools to support the school's "Boya Popular Science Education Base" construction [15] Group 4: Community Engagement - The team organized a "Promoting Mandarin Correct Pronunciation Mini-Class" in ethnic communities, serving over 50 people and conducting research to tailor language learning to community needs [28][30] - A "Yue Bing Gong Yu: Same Sound, Same Feelings" event attracted over 300 residents, combining traditional crafts with language learning [32][36] Group 5: Impact and Future Plans - The activities benefited over 500 people in the border area, with reports on their achievements widely covered by media [39] - The university plans to continue its educational support efforts, focusing on a four-dimensional model of "school-local co-construction, psychological support, technology empowerment, and cultural enrichment" [45][46]

Core Insights - The insurance sector is evolving from a phase of broad coverage to a focus on high-quality development, emphasizing the importance of inclusive insurance as a key component of inclusive finance [2] - The implementation plan for high-quality development of inclusive finance aims to establish a comprehensive system by 2025, enhancing the role of inclusive finance in promoting common prosperity [2] Group 1: Innovations in Road Traffic Accident Assistance - The "Yue Rescue" cloud platform has significantly improved the efficiency of road traffic accident assistance, reducing the processing time from over one day to just 0.3 days [3] - Since taking over the operation of the Guangdong Road Traffic Accident Social Rescue Fund in March 2023, the company has processed 15,269 assistance applications and successfully aided 9,838 injured individuals, with disbursements exceeding 680 million yuan [3] - The success rate of life-saving interventions for traffic accident victims has increased from 97.37% in 2023 to 98.16% in 2025 due to the establishment of an online review mechanism [3] Group 2: Outreach and Recovery Efforts - The company has developed a multi-dimensional publicity system, distributing over 96,000 promotional materials to ensure that rescue policies reach the public effectively [4] - An integrated recovery system has been established, recovering 149 million yuan, with a recovery rate of 26% in 2025, promoting the sustainable operation of the rescue fund [4] Group 3: Risk Mitigation for Small Enterprises - The company has introduced a gas alarm and automatic shut-off system to prevent potential gas explosion incidents, covering over 500 small catering businesses [5][6] - Upgraded safety monitoring systems have been implemented to reduce false alarms and provide real-time risk tracking, effectively preventing property losses from water leaks [6] - The company has provided over 230 million yuan in risk protection for small enterprises and conducted more than 30 training sessions to enhance their risk resilience [6] Group 4: Trends in Inclusive Insurance - The inclusive insurance sector is transitioning from a focus on scale to quality enhancement, with technology playing a crucial role in improving service efficiency and effectiveness [7] - The company's innovative practices reflect a shift towards a comprehensive risk management model that includes compensation, prevention, and service [7] - The company aims to continue its commitment to serving the public with more precise services and innovative models, strengthening the insurance safety net across the region [7]

摘要： 弘康人寿聚焦于保障的"充分性"和"有效性"，致力于通过商业保险的创新实践，破解"保障不足"这一普惠金融深水区的难题，将"提升保险保障的获得感""让 每个人更容易获得足额保障"确立为自身发展的核心驱动力和使命担当，扎实推进普惠保险高质量发展，书写了一篇有温度、有深度、有广度的普惠金融大 文章。 创新产品供给，打破 " 足额保障 " 的价格与责任壁垒 要实现"足额保障"的普惠目标，关键在于通过精算创新和产品设计，让消费者能够以可负担的成本，获得真正足额的风险保障。弘康人寿在此方面进行了卓 有成效的探索。 弘康人寿成立十三年来，聚焦于保障的"充分性"和"有效性"，致力于通过商业保险的创新实践，破解"保障不足"这一普惠金融深水区的难题，将"提升保险 保障的获得感""让每个人更容易获得足额保障"确立为自身发展的核心驱动力和使命担当，扎实推进普惠保险高质量发展。 关键词： 普惠金融、产品创新、金融活水、高质量发展、足额保障 案例正文： 在新时代金融改革发展的浪潮中，普惠金融不仅是国家战略的重要组成，更是金融机构践行"金融为民"初心的具体体现。2025年3月，国务院办公厅印发 《关于做好金融"五篇大文章"的指导意见 ...

HUA HU [人才培养：锚定核心探索方向 构建适配投研与合规场景的培养体系] 人才培养是难点也是破局点。站在部门发展的角度，华闻期货将人才培养与公司核心探索方向深度绑定，构建起以"明晰投研目的、精通合规场景、擅长工 具应用、具备协同销售能力"为核心的人才培养体系，打造出一支兼具理论深度、实战经验、合规意识与业务协同能力的专业投研团队，为三大核心命题的 探索与付费服务模式的优化提供核心人才保障。 随着国内金融市场双向开放提速与财富管理行业转型深化，期货的风险管理工具属性成为其服务实体经济与财富保值的关键支撑。当前，期货市场规模持续 扩容，期货交易者对专业化、体系化交易咨询服务的需求已从"基础投教"过渡到"专业陪伴"，未来会逐渐转向"深度赋能"，核心落点直指期货工具的科学应 用。在机遇与挑战并存的当下，华闻期货深耕细作交易咨询板块，注重服务价值本身，拓展创收途径。公司以科技赋能为支撑、人才培养为核心、服务场景 化为抓手，不仅实现了期货交易咨询服务的品质升级和交易咨询业务的突破，还对标成熟的证券投顾服务模式，将期货工具应用深度融入投教体系，打通服 务实体经济"最后一公里"，为各类市场参与者提供适配期货市场特性的交 ...

（来源：黑龙江日报） 绥芬河蓝洋公司报关员刁兴铭说："现在通过单一窗口，我们在办公室电脑前就能完成申报。系统自动比对， 果菜产品通关时间从以前以天计算缩短至以小时甚至分钟计算，最多的时候我们每天的货量能达到400吨。海 关的智慧服务让每一车货物走得更快、更稳，也让我们的心更踏实了。" 口岸的快速发展，离不开科技赋能与制度创新的双轮驱动。在公路口岸，专门开通的果蔬出口"绿色通道"提 供"预约查验""优先查验"等精准服务，确保苹果、蔬菜等鲜活产品快速通关；创新应用的"云签发"模式，让 检验检疫流程全面数字化，显著提升了通关效率。铁路口岸则充分发挥数字口岸系统作用，通过加强铁路信 息对接，实现了关铁业务和企业客商的信息实时共享。 转自：黑龙江日报 本报讯（付晓军 赵海鹏 记者杜怀宇）记者获悉，截至12月17日，口岸货运量已突破1000万吨，达到1001.5万 吨，其中进口877.2万吨，出口124.3万吨，彰显了作为国际物流重要通道的蓬勃活力。 18日清晨的绥芬河铁路口岸，一列货运列车在汽笛声中缓缓驶入站场，满载的进口煤炭在晨光中泛着乌亮的 光泽。龙门吊有条不紊地移动，装卸设备的轰鸣声与调度指令交织成口岸特有的交响 ...

Core Viewpoint - The recent meetings of the Party's 20th Central Committee and the Provincial 14th Committee emphasize the importance of civil affairs work in promoting people's well-being and achieving common prosperity in Qinghai, aligning with the broader strategy of Chinese-style modernization [1][2]. Group 1: Individual Needs - During the 14th Five-Year Plan period, Qinghai's civil affairs departments have developed a comprehensive safety net policy system, ensuring basic living standards for hundreds of thousands of vulnerable groups, significantly enhancing their sense of gain, happiness, and security [2]. - The 20th Central Committee calls for a robust social assistance system and improved services for vulnerable groups, necessitating tailored and diversified support measures from civil affairs departments [2]. Group 2: Professional Services - The focus of civil affairs work is shifting from material assistance to include mental care and rights protection, with an emphasis on developing a comprehensive elderly care service network and enhancing the quality of care for vulnerable populations [3]. - There is a need to strengthen the professional service workforce and improve mental health services for specific groups, such as children in difficult situations and elderly individuals living alone [3]. Group 3: Policy Coordination - The increasing complexity of social welfare policies necessitates better coordination among various policies to enhance their effectiveness, addressing long-standing issues in resource allocation and service capacity [4]. - Civil affairs departments are encouraged to explore innovative and differentiated reforms at the grassroots level, ensuring that various reform measures are interconnected to address imbalances in social welfare [4]. Group 4: Institutional Fairness - The focus for the 14th Five-Year Plan period is on promoting institutional fairness in social welfare, ensuring that benefits are equitably distributed among all vulnerable groups, regardless of their location [5]. - Efforts will be made to standardize social assistance applications and reduce regional disparities in welfare policies [5]. Group 5: Economic Attributes - Civil affairs work is increasingly recognized for its economic implications, as effective welfare policies can stimulate social consumption and support economic growth [6]. - The development of elderly care services and social assistance policies is seen as a means to expand domestic demand and promote consumption [6]. Group 6: Technological Empowerment - The integration of technology in civil affairs is on the rise, with big data and AI being utilized to better identify service needs and enhance operational efficiency [7]. - The application of new technologies, such as blockchain and IoT, is expected to improve service delivery and monitoring in civil affairs, making services more accessible and efficient [7].