随着数字化浪潮的持续推进，企业客户关系管理（CRM）领域正经历着一场深刻的变革，社交化客户关系管理（SCRM）系统应运而生，成为企业数字化 转型的新引擎。SCRM系统凭借大数据技术的加持，不仅深化了企业对客户的理解，还极大地提升了营销策略的精准度和客户忠诚度。 大数据技术在SCRM系统中的运用，首先体现在对客户需求的深度洞察上。传统CRM系统主要聚焦于结构化数据，而SCRM则通过整合社交媒体互动、在线 行为记录等非结构化数据，构建出更为立体、全面的客户画像。以企销客SCRM为例，该系统利用AI算法分析客户在各大社交平台的行为轨迹，精准捕捉客 户的兴趣点、消费习惯乃至潜在需求，为个性化营销策略的制定提供了强有力的支持。 在数据整合与跨渠道协同管理方面，SCRM系统同样展现出了强大的实力。企业客户数据往往分散于电商、线下门店、社交媒体等多个平台，而SCRM系统 则通过大数据技术将这些数据整合在一起，打破了信息孤岛。企销客SCRM提供统一的数据看板，帮助企业全面追踪客户全生命周期行为，优化广告投放 ROI，实现销售、客服、市场部门的高效协同作业。 SCRM系统在预测分析与智能决策支持方面也发挥着重要作用。大数据环境 ...

Group 1: Investor Relations Activity Overview - The investor relations activity was organized by Beijing Stock Exchange and Anhui Securities Regulatory Bureau, with a theme of "Direct Service for Rational Investment" [3] - The event took place on July 18, 2025, in the company meeting room, attended by 23 participants from Zhongyou Securities and individual investors [3] - Company representatives included Senior Vice President Luo Dan and Securities Affairs Representative Wang Jian [3] Group 2: Future Business Growth Plans - The company plans to expand horizontally in specialized fields, leveraging existing project experience and customer resources to tap into new specialized units [4] - There is a focus on deepening engagement in the commercial aerospace sector, enhancing ground station network construction and data service capabilities [4] - The development of a digital space cloud platform is underway, aiming to create a comprehensive product system for space management [4] Group 3: Collaboration with Controlling Shareholder - The company maintains operational independence from its controlling shareholder, with no overlapping core business areas, and a steady decline in related party transactions [5] - Future collaborations will be pursued in compliance with regulations, leveraging synergies in resources and technology for mutual growth [5] Group 4: Personnel Expansion Strategy - The company will cautiously optimize personnel structure and scale in line with business development and market conditions, avoiding blind expansion [6] - A balance between business growth and cost control will be prioritized to ensure sustainable value creation for shareholders [6]

瑞银在最新的报告中回顾了中国主要汽车制造商的销量和产品组合，预览了第二季度利润，并将其与买 方预期进行了比较。 尽管投资者担忧第二季度定价环境环比恶化，但瑞银认为企业盈利应该能够保持稳定。新势力电动汽车 制造商理想汽车、蔚来汽车和小鹏汽车在费用管控方面应相对严格，而传统车企比亚迪（002594）、长 城汽车（601633）和吉利汽车正抓住出口和高端化机遇，以抵御利润率压力。瑞银预计大多数公司第二 季度的盈利将符合或略高于买方预期。 传统车企的盈利韧性 虽然关于这三家传统车企卖方季度预测的高质量数据不多，但瑞银认为投资者对第二季度的价格竞争存 在担忧，总体预期较为温和。 新势力电动汽车企业的成本管控 三家新势力电动汽车制造商实现了销量环比增长和产品组合的适度改善，瑞银预计理想汽车的利润将环 比增长，蔚来汽车和小鹏汽车的亏损将收窄。与 Visible Alpha（VA）的共识相比，瑞银认为这三家公 司在成本管控方面更为严格。 蔚来汽车和小鹏汽车的目标是在第四季度实现净利润盈亏平衡，因此瑞银预计随着费用管控到位，毛利 率将环比改善。 瑞银认为，对于理想汽车而言，计算能力租赁成本的下降将有助于研发成本的控制。瑞银认为 ...

记者丨 林汉垚 编辑丨周炎炎 "没有薪酬及考核委员会记录、没有董事会决议、没有上市公司的公告披露，甚至没有合同审 批决策程序、没有保险合同原件。"近日，在上海交大昂立股份有限公司（以下简称"交大昂 立"，600530.SH）召开的媒体沟通会上，在提及该上市公司前任高管杨国平等人涉嫌通过团 体保险违规转移资金时，其现任董事长嵇敏向媒体表示。 交大昂立投诉材料显示，2016-2019年期间，交大昂立前董事长杨国平、副董事长兼总裁朱敏 骏、副总裁兼财务总监娄健颖、董事会秘书李红、副总裁李康明等五名核心高管，利用职务便 利，擅自用公司资金为自己购买年金型、分红型商业保险，并通过退保，将保费退至个人账 户，获利1693.7214万元。 因此，交大昂立以"损害公司利益责任纠纷"为案由，已针对杨国平、朱敏骏、娄健颖、李红、 李康明等五名前任高管涉嫌损害公司利益的行为向上海市公安局松江分局刑事报案。 但在7月9日的媒体沟通会上，嵇敏透露，交大昂立向上海市松江分局补充报案材料并得到分局 的接受证据材料清单，后收到不予立案通知书。嵇敏称，公司将向上级公安机关提起行政复 议。 所退保费入私囊 交大昂立总裁助理夏景华在媒体沟通会上介 ...

2025年7月11日至7月17日期间，证券交易所对两宗违规行为发出监管函，涉及信息披露及规范运作问 题，同时发出关注函1份、问询函109份及其他函件18份。7月14日至7月18日，监管机构对76起证券异常 交易行为采取自律监管措施，涉及盘中拉抬打压和虚假申报等，并对15起上市公司重大事项进行核查， 上报证监会4起涉嫌违法违规案件线索。 ...

深交所：本周本所共对76起证券异常交易行为采取了自律监管措施，涉及盘中拉抬打压、虚假申报等异 常交易情形；共对15起上市公司重大事项进行核查，并上报证监会4起涉嫌违法违规案件线索。 ...

Financial Data and Key Metrics Changes - Ally Financial reported adjusted earnings per share of $0.99 and core pretax income of $418 million, reflecting double-digit year-over-year growth in both metrics [6][21] - The net interest margin (NIM), excluding core OID, was 3.45%, expanding 10 basis points quarter-over-quarter, despite a 20 basis point drag from the sale of the credit card business [6][25] - Core return on tangible common equity (ROTCE) was 13.6%, with a core ROTCE of 10% when excluding the benefit from accumulated other comprehensive income (AOCI) [7] Business Line Data and Key Metrics Changes - In the auto finance segment, consumer originations reached $11 billion, driven by 3.9 million applications, marking the highest quarterly application volume ever [13] - The retail auto origination yield was 9.82%, slightly up from the prior quarter but down 77 basis points year-over-year [14] - The insurance business saw total written premiums of $349 million, up $5 million year-over-year, although down $36 million sequentially [39] Market Data and Key Metrics Changes - Ally's digital bank serves an all-time high of 3.4 million customers, marking 65 consecutive quarters of net customer growth [17] - Overall deposit balances decreased by approximately $3 billion quarter-over-quarter, attributed to seasonal tax outflows [18] Company Strategy and Development Direction - The company is focused on transforming into a stronger, more profitable institution through a sharp strategic focus and disciplined execution [8] - Ally aims to capitalize on significant opportunities ahead, with a strategy that emphasizes customer-centric culture and brand loyalty [8][10] - The company is committed to prudent expense management, with controllable expenses down for the seventh consecutive quarter [23][50] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the financial trajectory and ability to deliver sustainable returns, despite macroeconomic uncertainties [6][7] - The company remains cautious about credit performance due to potential economic headwinds, while also noting improvements in delinquency rates [32][44] - Ally anticipates a normalized effective tax rate in the range of 22% to 23% moving forward [24] Other Important Information - The CET1 ratio was reported at 9.9%, representing over $4 billion of excess capital above regulatory minimums [30] - The company announced a quarterly dividend of $0.30 per share for Q3 2025, consistent with the prior quarter [31] Q&A Session Summary Question: What could lead to outperforming or underperforming the NIM expectation? - Management indicated that NIM expansion in Q2 was strong, but future contributions to NIM expansion may be limited due to various factors, including the impact of the credit card sale [55][56] Question: Is it time to lean more towards growth given improved credit performance? - Management remains disciplined and data-informed regarding growth, acknowledging the current uncertainties in the environment [63][64] Question: What would it take to move the charge-off rate range down? - Continued improvement in delinquency levels, strong flow to loss rates, and stable used car prices are necessary for a downward adjustment in the charge-off rate range [81][84] Question: How is the strategy on deposits evolving? - The company is managing for flat deposit balances and has seen a shift towards a more engaged customer base, which is viewed positively for deposit stability [88][92]

Octopus AIM VCT plc Director Appointment Octopus AIM VCT plc (‘the Company’) is delighted to announce the appointment of David Docherty as an independent Non-Executive Director of the Company with effect following the Annual General Meeting (‘AGM’) on 23 July 2025. David Docherty has over 30 years’ experience in asset management. He was a portfolio manager at Lloyds Investment Managers, Gartmore, M&G, Cazenove Capital Management and Schroders. David most recently served as an Investment Director at Schroder ...

从胚胎发育的第一个月开始 随着心脏开始搏动 人体的血管就开始不断生长 本文来自微信公众号：较高端人类，作者：血液畅通的，题图来自：视觉中国 血管深入皮肤、肌肉、软骨 遍及所有组织和器官 它就是人体内运送物资的高速公路 源源不断、永不停歇地运送着氧气和营养 这批氧气10点前 必须送到肺部 年轻的时候人体血管柔软而有韧性 但随着年龄增大 血管会不可避免地老化和硬化 从而引起血管的拥堵 造成各种各样的心血管疾病 前方施工 车辆绕行 等到成年后 血管总长度可以达到10万公里 足足能围绕地球赤道两圈半 这天天搬砖的 日子什么时候 才是个头啊 红细胞 然而现代人的生活习惯 却让血管的硬化早早在 年轻人身上发生 熬夜很有可能 正是这一切的导火索 再刷5分钟就睡 少熬点夜，对 手机不好 为了支持人体的熬夜透支 为组织和器官提供更多营养 肾脏会分泌肾上腺素和去甲肾上腺素 让心脏跳动更频、血液流得更快 这个过程会引起血压的升高 骑上我心爱 的小摩托~ 它永远不会 堵车~ 振作起来啊!不 然主人又要开始 为了提供透支性的能量消耗 长期熬夜的过程中 人体还会抑制瘦素的分泌 点外卖了! 从而引起费食量的增加 瘦素可以抑制人的食 欲,减 ...

美国众议院本周通过了稳定币相关的关键立法，这为美国加密货币行业制定明确的规则。这一进程受到 了加密圈和特朗普政府高级官员的欢呼。周四（7月17日），备受关注的美国稳定币法案《指导和建立 美国稳定币国家创新法案》（简称《天才法案（Genius Acts》）轻松通过众议院投票，距离正式生效只 差特朗普的签字。该法案为与美元挂钩的稳定币设定了监管规则，要求发行机构必须按1:1比例以短期 国债或其他受州或联邦监管机构监管的类似产品作为储备。 凤凰网财经讯 7月17日，美股三大指数小幅高开，道指涨0.16%，纳指涨0.35%，标普500指数涨0.25%。 中概股方面，新氧涨超9%，金山云涨超7%，京东、哔哩哔哩涨超5%，阿里巴巴、网易、迅雷涨超 2%；水滴跌超2%。 全球要闻 美国经济政策削弱美元信用 英国央行据悉要求金融机构评估美元冲击风险 据媒体援引知情人士消息报道，英国央行近日已要求部分金融机构测试自身对潜在美元冲击的抵御能 力，这一举动也意味着美国政府的经济政策正在侵蚀全球对美元的信任。作为全球贸易和资本流动的主 导货币，美元堪称全球金融体系的"生命线"。然而，特朗普政府在贸易、关税和防务等领域的做法，迫 使各 ...