Core Viewpoint - The International Organization for Standardization (ISO) has released a new standard (ISO 25556:2025) focusing on the digital economy from the perspective of an aging population, with China leading its development [1][3] Group 1: Standard Overview - The standard outlines basic principles and core elements for an age-inclusive digital economy, providing specific recommendations and application cases for high-frequency scenarios such as online shopping, digital banking, and smart transportation [1][2] - It aims to bridge the digital divide for the elderly by offering scientific solutions to enhance their participation in the digital economy [1][3] Group 2: Specific Recommendations - For online shopping, the standard suggests simplifying operational processes and implementing large fonts and high-contrast interfaces to assist elderly users [1] - In digital banking, it encourages features like voice guidance and quick access to customer service to facilitate transactions for older adults [1][2] Group 3: Broader Implications - The standard also addresses smart transportation by promoting features like one-click ride-hailing and trip-sharing with family to enhance safety and convenience for elderly users [2] - In smart community initiatives, it advocates for the integration of essential service information in an easily understandable format for older adults [2] Group 4: National Efforts and International Collaboration - The National Market Supervision Administration of China has established a joint working group to enhance standardization in the aging sector, resulting in over 240 national standards related to aging and accessibility [2][4] - China is actively promoting international recognition of its aging-related standards, aligning closely with those of developed countries like Japan and Germany, emphasizing accessibility and safety [4]

Core Viewpoint - The article emphasizes the transformative power of information and communication technology (ICT) in promoting gender equality and enhancing digital accessibility, particularly in rural areas of Fujian Province, China [2][3]. Group 1: Digital Accessibility and Infrastructure Development - Fujian Province has made significant strides in improving communication capabilities, achieving "village-to-village" telephone access by 2005 and broadband access by 2012, with high-speed broadband completed by 2018 [3]. - The province has built a robust digital infrastructure, including 481,000 mobile phone base stations and 150,000 5G base stations, with internet broadband access ports reaching 41.3 million [3]. - The increase in digital infrastructure has allowed women in remote areas to connect with their families and communities, breaking the historical barriers of communication [3][4]. Group 2: Inclusive Ecosystem and Service Fairness - The telecommunications market has seen improvements in service fairness through measures such as price reductions, number portability, and enhanced customer service [5]. - Public communication services have evolved to include safety measures, such as flood alerts and anti-fraud campaigns, benefiting households and communities [5]. Group 3: Empowerment of Women through Technology - Companies like Huawei and ZTE are focusing on the diverse needs of female users in the mobile communication market, offering tailored solutions that combine practicality and style [6]. - Fujian-based internet companies are emerging to support women's health and well-being, exemplified by platforms like Meitu and Meiyou, which provide comprehensive health management services [6]. - The digital economy is creating job opportunities for women in sectors like e-commerce and live streaming, showcasing their potential and contributions to the economy [7]. Group 4: Innovation and Development Opportunities - The growth of the digital economy has lowered barriers for women, fostering a more inclusive online environment that creates new opportunities for development [7]. - Initiatives like the establishment of a maritime service center by China Mobile in Ningde demonstrate the commitment to enhancing digital services for specific communities, such as fishermen [7][8]. - Women in the telecommunications sector are making significant contributions, with examples of female workers excelling in traditionally male-dominated roles, ensuring network reliability and service continuity [8].

Core Viewpoint - Commercial banks are actively embracing digital transformation to enhance their service capabilities for the real economy, but there exists a "digital divide" between banks and enterprises, particularly affecting small and medium-sized enterprises (SMEs) and small banks [1][7]. Group 1: Information Asymmetry in Banking - Traditional banking methods cannot fully resolve the information asymmetry between banks and enterprises, leading to issues like credit rationing and discrimination [2]. - Research indicates that collateral can mitigate adverse selection, but reliance on collateral often disadvantages smaller enterprises that lack sufficient assets [2][3]. - The structure of the banking industry, dominated by large banks, further exacerbates the challenges faced by SMEs in accessing credit [3][4]. Group 2: Positive Impact of Digital Transformation - Digital transformation enhances banks' information collection and data processing capabilities, allowing for better credit risk assessment and reducing the need for collateral [4][5]. - The shift to digital banking has improved the credit accessibility for SMEs, particularly in remote areas, and has significantly shortened loan approval times [5][6]. - Digitalization has also improved banks' monitoring capabilities, enabling real-time oversight of enterprises and enhancing investment efficiency [6]. Group 3: Existing Challenges - There remains a "digital divide" where many SMEs lack the necessary digital infrastructure and skills to fully utilize online financing options [7]. - Data security and privacy concerns are increasingly prominent as banks handle sensitive enterprise information, raising risks of data breaches [8]. - Some enterprises, particularly medium-sized ones, face difficulties in securing funding for growth, missing opportunities to scale up [8]. Group 4: Policy Recommendations - It is recommended to strengthen digital inclusivity by enhancing digital infrastructure and supporting SMEs in improving their technological capabilities [9]. - Legislative measures should be taken to improve data security laws, ensuring comprehensive protection throughout the data lifecycle [9].

消除数字鸿沟，营造智慧养老友好环境。围绕提升老年人数字素养，针对不同年龄段、不同认知水平的 老年群体，开展分层分类的数字技能培训，提高老年人对智能设备的接受度和使用能力。强化智慧养老 产品适老化改造，在开发设计过程中充分考虑老年人生理特点和使用习惯，降低使用门槛。坚持传统服 务方式与智能化服务并行，避免老年人在智能化浪潮中掉队。建立完善的信息安全保障机制，加强老年 人个人信息和数据安全保护，增强其对智慧养老服务的信任度。 （文章来源：经济日报） 当前，智慧养老产业凭借物联网、大数据、云计算和人工智能等新一代信息技术，成为养老服务供给扩 大化、普惠化的重要依托，能够更好地满足"银发族"多样化养老需求，为实现老有所养、老有所依、老 有所乐的民生目标提供了支撑。 强化政策支撑，构建智慧养老产业生态体系。建立跨部门协同机制，制定智慧养老产业发展规划，明确 发展路径、重点任务和支持措施。完善行业标准体系，统一养老服务数据标准、接口标准、技术标准和 服务规范，破除信息壁垒。优化财税支持政策，对智慧养老产品研发、应用推广给予税收优惠，设立专 项资金支持智慧养老示范项目建设。加大金融支持力度，引导金融机构开发智慧养老专项信贷 ...

巨大的市场容量使巴西成为厂商眼中的战略要地。然而，高额的进口税、增值税以及政府推动本地化 生产（例如玛瑙斯自由贸易区的政策）对厂商的进入和成功构成了挑战。这导致市场竞争者数量较少、设 备价格居高不下，厂商需具备相当规模才能实现可持续运营。因此，大多数品牌往往在拉美扩张的后期阶 段才进入巴西市场。不过，随着过去两年众多厂商在拉美地区的大举投资，巴西市场的竞争格局有望再次 升温。 本地⽣产不再是市场份额的保证 巴西已成为众多智能手机厂商在拉丁美洲争相布局的"前线战场"。截至2024年，巴西拥有2.12亿人 口，活跃智能手机保有量达1.75亿部，远超其他国家，稳居拉美最大智能手机市场。2024年，巴西占据 整个拉美地区智能手机出货量的29%，出货量超过4000万部，较2023年增长超过16%。 长期以来，三星和摩托罗拉一直是巴西智能手机市场的两大主导品牌，而苹果则稳居高端市场的领导 地位。2024年，三星在巴西的市场份额为39%，摩托罗拉为25%，苹果为7%。 多年来，这些厂商依托本地生产优势（包括直接投资或与ODM伙伴合作），通过具有竞争力的定价 策略和完善的分销体系，牢牢占据市场主导地位。然而，随着市场竞争环境 ...

Core Viewpoint - Urban-rural integration is a crucial approach to address the urban-rural gap and achieve common prosperity in China, with a focus on policy evolution and development status [1] Policy Context - The evolution of urban-rural development policies in China has transitioned from "coordinated urban-rural development" to "urban-rural integration," reflecting a strategic adjustment to address deep-rooted issues and institutional barriers [6][7] Development Status - The income disparity between urban and rural residents has been narrowing, with the ratio of per capita disposable income decreasing from 3.1 times in 2007 to 2.3 times in 2024 [11] - Rural residents' Engel coefficient has decreased from 40.5 in 2007 to 32.4 in 2023, indicating improved living standards [14] - Rural infrastructure and social security systems have seen significant improvements, with over 86% of rural areas having access to tap water and 73% to sanitary toilets by 2023 [16] Key Measures - Three key measures to promote urban-rural integration include: 1. Establishing a policy framework for equal exchange and bidirectional flow of urban-rural factors, including reforms in household registration and social security systems [3] 2. Using counties as pilot areas for institutional reforms to protect farmers' property rights [3] 3. Promoting deep integration of industries, enhancing the digitalization and branding of modern agriculture, and activating rural tourism and wellness services [3] Opportunities for Commercial Banks - Urban-rural integration presents new development opportunities for commercial banks, encouraging them to innovate products and services while participating in the entire process of urban-rural integration [3]