经济观察网 9月24日，小米消费金融总裁曹子玮在"2025中国普惠金融国际论坛"上指出，平台经济的核 心是数字技术，具备规模、精度和效率等优势，但也存在缺乏人性化与社会温度的问题，线下业态所承 载的社会交往和生活体验难以被完全替代。推动平台经济发展，需要在保持包容心态的同时，思考数字 技术与人类发展的平衡。当下需要处理好三方面关系：一是数字效率与人的权益，避免劳动者被大数据 过度控制；二是政策意图与市场逻辑，确保监管措施能与市场实际相适应；三是新就业模式与社会保 障，构建符合平台经济特征的劳动保护和保障体系。唯有在效率与公平之间实现平衡，平台经济才能健 康可持续地发展。 ...

Core Insights - The platform economy in China has evolved from an "emerging phenomenon" to a "core driving force" over the past two decades, significantly impacting various industries and connecting millions of merchants, flexible workers, and a large consumer base [1] - The "China Inclusive Finance Development Report (2025)" highlights that the core value of the platform economy lies in its ability to reshape resource allocation efficiency through digital technology, reducing transaction costs and enhancing matching efficiency [1][2] - The report emphasizes the importance of transitioning from a "zero-sum game" mindset to building a "win-win ecosystem" to address the challenges posed by the platform economy [3] Summary by Sections Platform Economy Impact - The platform economy has become a fundamental operational mode in the national economy, enabling significant online economic activities such as shopping, transportation, and dining, while also fostering new business models like digital marketing and smart logistics [1] - It has played a crucial role in empowering small and micro businesses, promoting rural development, and facilitating entrepreneurship and employment [1] Financial Sector Exploration - Platforms have emerged as valuable complements to traditional financial institutions, leveraging their traffic, technology, and data advantages [2] - In the payment sector, the digital payment usage rate among adults in China has surged from 49% to 89% over the past decade, marking a significant upgrade from cash to mobile payments [2] - In the credit sector, the proportion of adults obtaining credit from formal financial institutions has increased from 20% to 41% due to innovations in digital risk control and alternative data applications [2] - Platforms have also enhanced consumer access to insurance and wealth management products through innovative channel strategies and embedded services [2] Challenges and Solutions - The report identifies new challenges arising from the platform economy's growth, advocating for a shift towards a collaborative ecosystem rather than a confrontational approach [3] - It highlights the need for addressing consumer concerns regarding data privacy and price discrimination, shifting the focus from mere availability to appropriateness of services [3] - The recognition of flexible workers as "ecosystem partners" is essential, along with efforts to improve social security coverage for this group [3]

Core Insights - The platform economy in China has evolved from an "emerging phenomenon" to a "core driving force" over the past two decades, significantly impacting various industries and connecting millions of merchants, flexible workers, and a vast consumer base [1] - The "2025 China Inclusive Finance International Forum" highlighted the report titled "Platform Economy and Inclusive Finance," which emphasizes the role of digital technology in reshaping resource allocation efficiency [1][2] - The report indicates that platforms have become a valuable supplement to traditional financial institutions, particularly in the areas of digital payments, credit accessibility, and insurance [2] Summary by Sections Platform Economy Development - The platform economy has enabled a large-scale online transformation of economic activities such as shopping, transportation, and dining, leading to the emergence of new business models like digital marketing and smart logistics [1] - Platforms have created a vast ecosystem connecting hundreds of millions of consumers, millions of merchants, and flexible employment groups, playing a crucial role in empowering small businesses and promoting rural development [1] Financial Sector Impact - Platforms have driven a leap in digital payment adoption, with the percentage of adults using digital payments in China increasing from 49% to 89% over the past decade [2] - The proportion of adults obtaining credit from formal financial institutions has risen from 20% to 41% due to technological innovations in digital risk control and alternative data applications [2] - In the insurance and wealth management sectors, platforms have enhanced consumer access to a wider range of financial products through innovative channel strategies [2] Challenges and Solutions - The report identifies new challenges arising from the platform economy, advocating for a shift from a "zero-sum game" mindset to building a "win-win ecosystem" [3] - The evolution of the platform economy is characterized by structural changes that emphasize integration rather than disruption, fostering a complementary relationship between online platforms and offline stores [3] - The focus on "win-win" solutions includes addressing consumer concerns about data privacy and price discrimination, as well as recognizing the value of flexible workers and improving social security measures [3]

Core Viewpoint - The article discusses the recent regulatory scrutiny faced by Huolala, emphasizing the need for fair practices in the platform economy and the importance of balancing efficiency with fairness in the relationship between platforms, drivers, and users [6][12][42]. Regulatory Attention - The State Administration for Market Regulation has summoned Huolala's leadership to discuss compliance with the Anti-Monopoly Law, indicating serious concerns about market fairness [6][10]. - This is not the first time Huolala has faced regulatory scrutiny; previous issues included complaints about low driver earnings due to the platform's pricing strategies [8][9]. Driver and User Complaints - Drivers have expressed dissatisfaction with their earnings, citing opaque commission structures and unfair order assignments, leading to financial losses [15][16][17]. - Users have also raised concerns about price transparency and inconsistent service quality, which can negatively impact their experience [19][20]. Platform Dynamics - The relationship among the platform, drivers, and users is intended to be symbiotic, where all parties benefit; however, the current dynamics have led to an imbalance favoring the platform [21][24]. - The regulatory body aims to correct this imbalance by demanding transparency in platform rules and algorithms, ensuring that drivers and users understand how earnings and prices are determined [25][26]. Huolala's Response - In response to criticism and regulatory pressure, Huolala has announced initiatives to improve transparency, including the public disclosure of its algorithms and a commitment to reduce commissions for drivers [28][29]. - Despite these efforts, questions remain about the actual impact of these changes on drivers' earnings and whether they will lead to meaningful improvements [31]. Future Outlook - Huolala is under pressure to address internal conflicts and improve its platform ecosystem, especially as it seeks to go public again [38][39]. - The article suggests that the company's future success will depend on its ability to create a sustainable business model that prioritizes the needs of drivers and users [40][41]. Broader Implications - The scrutiny of Huolala reflects a larger societal reflection on the platform economy, emphasizing the need for fairness and respect for all participants in the market [42][44]. - A healthy platform ecosystem is essential for ensuring that users receive quality service and that drivers are fairly compensated, which ultimately benefits the entire community [41][46].

Core Viewpoint - The National Taxation Administration of China has announced progress on the third round of inspections, emphasizing the need for rectification in tax-related issues concerning investment attraction and enhancing regulation of emerging tax sources [1] Group 1: Taxation and Regulation - The administration aims to address violations in tax-related issues linked to investment attraction [1] - There is a focus on strengthening regulation of the platform economy and other emerging tax sources [1] - The administration is committed to advancing the revision of tax collection laws and standardizing tax incentive policies [1] Group 2: Economic Development Support - The initiatives are designed to support the construction of a unified national market and accelerate the development of new productive forces [1] - The measures are also aimed at promoting high-level opening up to the outside world, thereby better serving the overall economic and social development [1]

Group 1 - The core viewpoint of the article is that Julongyin Holdings Group has officially entered a new phase of digital development with the launch of the "Longji Mall 2.0" system, integrating digital technology with the consumer ecosystem [1][3] - Over the past three years, Julongyin has established a consumer ecosystem that benefits the public and promotes industry, covering 15 provinces and 43 cities in China [3] - The new Longji Mall 2.0 system utilizes big data and AI recommendations to create a "scene label library," enabling precise matching of consumer needs and offering customized products and services [3][5] Group 2 - The platform aims to transition from a "product transaction" model to a "lifestyle solution" model, addressing new consumer demands for green, healthy, and authentic products [3][5] - Julongyin has formed strategic partnerships with several companies, including an agreement with the American Service Trade Association for AI talent incubation [5] - The launch of Longji Mall 2.0 represents a significant step in Julongyin's exploration of digital technology and platform economy, with plans to deepen technological empowerment and scene reconstruction over the next three to five years [5]

Group 1 - The outdoor sports brand Arc'teryx and artist Cai Guoqiang held a fireworks show named "Ascension" at an altitude of approximately 5,500 meters in the Himalayas, which has sparked environmental protection controversies [10][12] - Following the public backlash, Arc'teryx issued an apology letter on September 21, acknowledging all criticisms and suggestions, and committed to taking timely and effective remedial actions based on evaluations and social feedback [3] - Cai Guoqiang's studio also expressed their concern regarding the environmental impact of the fireworks show, admitting to shortcomings in their considerations and thanking the public for their feedback [5] Group 2 - The local government of Shigatse City has taken the situation seriously and established an investigation team to verify the circumstances surrounding the fireworks show, with further actions to be determined based on the investigation results [8] - The event was held in a region known for its high altitude, which raised significant environmental concerns regarding the use of fireworks in such a sensitive ecological area [12]

Core Viewpoint - The State Administration for Market Regulation has initiated an investigation into Chengdu Kuai Gou Technology Co., Ltd. for suspected violations of the E-commerce Law of the People's Republic of China, emphasizing the importance of regulatory compliance in the platform economy [1][2]. Group 1: Regulatory Actions - The investigation aims to strengthen the responsibilities of e-commerce platforms and protect the rights of consumers and small businesses [1]. - The regulatory body has highlighted the need for a robust governance system for the platform economy, focusing on both regulation and development [1]. - Chengdu Kuai Gou Technology has stated it will cooperate with the investigation and use this opportunity to enhance compliance and fulfill its social responsibilities [2]. Group 2: Industry Context - Live e-commerce is recognized as a significant part of the platform economy, contributing to innovation, consumption, and employment [1]. - The industry faces challenges such as false marketing and counterfeit products, prompting strong public concern and the need for improved regulatory measures [1]. - Chengdu Kuai Gou Technology, established in October 2019 with a registered capital of 50 million yuan, operates "Kuaishou Xiaodian," facilitating merchant onboarding and product management [4].

Core Viewpoint - The State Administration for Market Regulation has initiated an investigation into Chengdu KuaiGou Technology Co., Ltd. for suspected violations of the E-commerce Law of the People's Republic of China and other regulations [4][6]. Group 1: Investigation Details - The investigation is based on prior checks and aims to enforce platform responsibilities, protect consumer rights, and enhance compliance in the live e-commerce sector [6][11]. - The decision reflects the government's commitment to improving the governance of platform economies and addressing issues such as false marketing and counterfeit products prevalent in the live e-commerce industry [5][10]. Group 2: Company Background - Chengdu KuaiGou Technology Co., Ltd. is a wholly-owned subsidiary of Kuaishou, established on October 31, 2019, with a registered capital of 50 million yuan [8]. - The company operates the e-commerce platform "Kuaishou Xiaodian," facilitating supplier and service provider onboarding, and is involved in various business expansions, including financial services [9].

Group 1 - The State Administration for Market Regulation (SAMR) has decided to investigate Chengdu Kuaigou Technology Co., Ltd. to enforce e-commerce platform responsibilities and protect consumer rights [3][4] - The live-streaming e-commerce sector, as a significant part of the platform economy, has faced issues such as false marketing and counterfeit products, prompting strong public concern [3] - SAMR aims to enhance compliance in the live-streaming e-commerce industry by establishing a regulatory framework and cracking down on illegal activities [3][4] Group 2 - Chengdu Kuaigou Technology Co., Ltd. is a wholly-owned subsidiary of Kuaishou Technology, primarily operating the e-commerce platform "Kuaishou Xiaodian" [7] - The platform offers services for supplier onboarding, service provider onboarding, and live-streaming base onboarding [7]