英国金融服务业超八成高管看好英国政府竞争力战略 金十数据7月14日讯，毕马威的一项调查显示，超过80%的金融服务行业高管认为，英国政府的金融服 务增长和竞争力战略将促进英国经济增长并吸引外国投资。英国财政大臣里夫斯将在本周二的演讲中宣 布金融服务增长与竞争力战略。调查发现，88%的受访者现在认为，政府的计划将吸引外资进入该行 业，这一比例高于2024年12月时的68%。此外，86%的受访者现在对政府计划将促进行业增长和提高竞 争力充满信心，亦高于六个月前的70%。83%的受访者相信政府增长计划将提升英国在可持续金融和金 融科技领域的领先地位，这一比例在六个月内上升了10个百分点。对政府计划信心不足的受访者强调， 在国民保险和增税、通胀压力和经济不确定性方面面临挑战。 ...

Group 1: Trends in the Consumer Sector - The consumer sector is experiencing two major trends: a "subsidy war" among leading food delivery platforms significantly activating the instant retail market, with tea and chain dining brands being the biggest beneficiaries [1] - The subsidy strategies of major platforms like Meituan, Taobao Flash, and JD are differentiated, with Meituan focusing on high-frequency consumption scenarios, Taobao Flash covering all categories with a 50 billion subsidy, and JD targeting high-ticket quality dining [1][2] - Leading brands are capturing traffic benefits, while small and medium-sized businesses face profit pressure due to cost-sharing from platform subsidies and increased operational expenses [1] Group 2: Sustainability of Subsidies and Future Competition - The sustainability of subsidies is questioned, as current strategies rely on short-term platform investments, and long-term user loyalty cannot be built solely on low prices [2] - Experts suggest that the ultimate value of instant retail lies in local resource integration and ecosystem building, emphasizing the need for improved service quality over price competition [2] Group 3: Policy Impact on Home Appliances and Tourism - Beijing's new consumption policy focuses on expanding the "old for new" subsidy for home appliances and digital products, promoting smart and green upgrades [3] - The policy is expected to enhance consumer willingness to replace old appliances, driving technological investment and optimizing product structures in the industry [3] Group 4: Expansion of Cultural and Tourism Consumption - The policy aims to optimize cultural and tourism experiences, promoting themed tourism and rural tourism projects to stimulate consumer demand [4] - The sports sector is set to cultivate a premium event system, with the event economy expected to generate additional market opportunities through ticket sales and related services [4] Group 5: Long-term Development of the Industry - The optimization of the consumption environment through enhanced market regulation and consumer protection is expected to boost consumer confidence and support long-term industry growth [5] - The upgrades in the home appliance and tourism sectors are likely to give rise to new business models, such as "home appliances + smart home ecosystems" and "tourism + digital experiences" [5]

特朗普政府对美联储主席鲍威尔的施压升级到新阶段？ 7月14日，据媒体报道，白宫国家经济委员会主任哈塞特（Kevin Hassett）上周日（7月13日）表示，特 朗普政府正在研判是否有权解雇美联储主席鲍威尔，并称"如有正当理由，特朗普当然可以这么做"。 报道指出，特朗普政府给出的7个工作日回复期限意味着，美联储需在本周结束前作出回应，这可能让 特朗普有时间在7月29日美联储会议前采取行动。 美联储上周五悄然在官网发布FAQ页面回应部分质疑，明确澄清"该项目未建设新的VIP餐厅"，直接回 应了沃特提出的问题之一。 报道称，尽管特朗普上周五仍表示不想解雇鲍威尔，但哈塞特的言论表明白宫高层仍在考虑这种可能 性。特朗普政府官员近日将矛头对准美联储总部25亿美元的装修项目，称其超支7亿美元，并将此作为 解雇鲍威尔的潜在"正当理由"。 与此同时，下一任美联储主席的角逐同时升温。据华尔街见闻此前文章提及，哈塞特被广泛视为接替鲍 威尔的热门人选，而前美联储理事沃尔什（Kevin Warsh）也在积极争取这一职位。鲍威尔的主席任期 将于明年5月到期。 解雇权限成争议焦点 分析指出，哈塞特的立场转变反映了特朗普团队内部的政治考量 ...

本文来自微信公众号：新周刊 （ID：new-weekly），作者：阿绿，编辑：L，题图来自：AI生成 给家长减负，上海第一个？ 不久前，《上海市教育委员会关于优化上海市义务教育学校作业管理提高作业育人水平的通知》正式发 布，其中明确要求"不得给家长布置或变相布置作业，不得要求家长检查批改作业"。 消息一出，许多家长拍手叫好，也有部分家长觉得"并不在乎"，更有人产生了深刻的担忧，"全靠老师 管吗？他们真的管得过来吗？" 家校之间的压力传递，似乎已经存在了太久，《通知》的下发似乎也难以消弭其中的问题——"不在 乎""担忧"的背后，更多是出于对现实执行力的疑虑，以及长久以来"家校共育"边界模糊形成的惯性。 更何况，属于家长的"家庭作业"，早已从简单的"检查批改"延伸至辅导、监督乃至代劳各类"创新"任 务，更与孩子的成绩焦虑、升学压力深度捆绑。即便纸面上禁止了"家长作业"，根植于教育竞争生态中 的深层压力，以及由此产生的"你不做总有人做"的隐性竞争，似乎并未随之消散。 说好的减负，怎么减 身为90后，毛豆酱有时候觉得现在小学的某些管理方式让她难以理解。 她还记得自己小时候，老师布置作业是把作业抄在黑板上，同学们各自记 ...

Macroeconomic and Strategy Research - The U.S. job market remains resilient, with initial jobless claims unexpectedly dropping to the lowest level since June, indicating a strong employment situation [2] - The U.S. government has postponed the deadline for "reciprocal tariffs" to August 1, imposing tariffs ranging from 25% to 40% on 14 countries, leading to a stalemate in tariff negotiations with major economies [2][3] - Domestic CPI growth turned positive in June, driven by rising energy prices, while PPI continues to face downward pressure due to weak demand [2][3] Fixed Income Research - The overall interest rates have slightly increased, with the yield curve flattening, influenced by expectations of new real estate policies and regulatory pressures on local banks [4][5] - The central bank has net withdrawn nearly 800 billion yuan in the open market, leading to a slight rise in funding prices, while maintaining a generally loose monetary environment [5][6] - The primary market saw limited supply pressure, with a total issuance of 62 bonds amounting to 621.7 billion yuan, indicating a stable funding environment [5][6] Industry Research - The pharmaceutical and biotechnology sector is experiencing a surge in performance forecasts, with significant announcements such as Merck's $10 billion acquisition of Verona and the approval of new drugs [8][9] - The Shanghai Composite Index rose by 1.40%, with the pharmaceutical sector increasing by 0.88%, indicating positive market sentiment towards the industry [10] - The report suggests focusing on investment opportunities related to innovative drugs and the supply chain, particularly in sectors benefiting from policy optimization and improving overseas demand [10]

Core Viewpoint - The China Interbank Market Dealers Association has initiated self-discipline investigations against six main underwriters, including major securities firms and a bank, due to concerns over low underwriting fees in a recent bond issuance project [1][5]. Group 1: Investigation and Regulatory Actions - The self-discipline investigation was prompted by the observation of low underwriting fees in the 2025-2026 secondary capital bond project by Guangfa Bank, which raised market concerns [2][5]. - The association had previously issued a notice to strengthen the regulations on underwriting practices, specifically prohibiting bids below cost [3][5]. Group 2: Underwriting Fee Details - The total underwriting service fee for the six selected institutions was reported to be 63,448 yuan, with individual fees as low as 700 yuan for some firms [4][6]. - The breakdown of estimated service fees included: CITIC Jianan Securities at 35,000 yuan, CITIC Securities at 21,000 yuan, and others at significantly lower amounts [4][6]. Group 3: Market Dynamics and Implications - The phenomenon of low underwriting fees has been a recurring issue, with past instances showing fees as low as 0.0001% in previous bond issuances, indicating a trend of aggressive competition among underwriters [8][9]. - Analysts suggest that the practice of low-cost underwriting may lead to insufficient due diligence and could pose risks to the bond market, undermining the role of underwriters as gatekeepers [8][10]. Group 4: Recommendations for Improvement - There is a call for the industry to refocus on the core responsibilities of underwriting, emphasizing quality over quantity, and to establish stricter self-regulatory measures to combat unreasonable pricing practices [10]. - Experts recommend enhancing the ethical standards of underwriting personnel and relying on brand and professional expertise rather than aggressive pricing strategies to secure projects [10].

Group 1 - The article emphasizes the importance of standardizing government procurement and bidding processes to enhance fairness in the results of bids [1] - Government procurement is a significant method of fiscal expenditure, linking the government with the market and impacting public interest and the business environment [1] - Despite the expanding scope and scale of government procurement in China, issues that hinder fair competition still occur, necessitating ongoing efforts to regulate these processes [1] Group 2 - The article calls for the improvement of laws and regulations, strengthening management across the entire procurement chain, and establishing a sound government procurement transaction system [1] - Continuous regulatory efforts are needed, particularly in eliminating hidden barriers and behaviors that obstruct fair competition in the government procurement sector [1]

大家好，我是腾势汽车的产品专家，今天聊聊3月份正式上市的腾势N9。 销量如何?卖的最多的是什么配置和颜色？ 当地有两家腾势中心，我们这家店是24年底筹备开建的，我之前是做传统BBA品牌的，看到大家都在转型做新能源，便决定尝试转型。 这款车3月21日正式上市，交车是在4月份。第一批到车速度较慢，车也比较少，所以只交了4台，6月又是淡季，但预计销售6-8台问题不大。 卖的最多是2025款旗舰型，指导价44.98万；另一款指导价38.98万的尊荣型偶尔能卖几台。最多的颜色是黑武士（限量生产的颜色），其次是玄璟墨、烟晶灰，偶 尔有客户购买翠华瑶和雪玉莹。 谁在看这个车？买车用户都是什么样的？ 看这款车的都是自有BBA车型的客户，几乎没有首次购车的。占比最多的是国有企业的领导、个体工商户老板等。 最近有个客户印象比较深刻。 邓哥是通过直播了解的我们，独自到店后对服务感到非常满意，留下了很深的印象，走的时候还表示说，如果买N9肯定找我，让我放心。 第二第三次是带着老婆来的，邓哥是国企领导，老婆是医生，讲话素养很高，家里有奥迪和进口的美系越野车。他对比的是M9，他最后说因为服务选择了我们 N9，这点我也深有体会，腾势确实也 ...

Core Viewpoint - The Chinese automotive industry is facing challenges such as "involutionary" competition and a persistent decline in profit margins, necessitating a shift from price-driven to value-driven market strategies [1][3]. Group 1: Industry Performance - In the first half of 2025, China's automotive industry achieved remarkable results, with both production and sales exceeding 15 million units for the first time, and new energy vehicle sales growing over 40% year-on-year [2]. - The automotive export market also experienced double-digit growth, indicating a positive trend in international competitiveness [2]. Group 2: Challenges and Solutions - The automotive industry's profit margins have been declining for nearly eight years, leading to a critical situation of "increment without profit" that needs urgent resolution [3]. - Industry leaders emphasize the need for innovation and focus on key technologies, particularly in new energy and intelligent connected vehicles, to enhance competitiveness and profitability [3]. - There is a consensus among industry experts that understanding and meeting consumer emotional needs is becoming a core competitive advantage in automotive product development [3]. Group 3: Collaborative Efforts - Industry stakeholders are encouraged to foster a new type of competitive and cooperative relationship, aiming to create new technologies, products, and business models to cultivate new growth areas in the industry [3].

规范政府采购和招标投标需持之以恒。一方面，推动完善法律法规，加强全链条管理，健全政府采购交 易制度；另一方面，持续加强监管，特别是清理整治政府采购领域各种隐性壁垒和妨碍公平竞争的行 为。 "阳光是最好的防腐剂。"提高政府采购透明度、加强社会监督是促进公平竞争、避免暗箱操作的重要手 段。要完善政府采购信息公开制度，推动包括采购意向、采购项目预算金额、采购项目公告、采购文 件、采购结果在内的政府采购全流程信息公开，提升政府采购信息公开的透明度、公信力，保证各类经 营主体公平获得政府采购信息，充分接受社会监督，促进采购活动公平性。 我国政府采购潜在规模巨大，支持科技创新、绿色环保、中小企业和乡村全面振兴等方面的政策功能也 日益突出。切实规范运行、落实公平竞争原则，政府采购才能健康持续发展，保障国家利益和社会公共 利益，更好推动全国统一大市场建设。 （文章来源：经济日报） 政府采购制度目标的实现，有赖于建立公平竞争、公开透明的运行体系。近年来，政府采购领域的法规 制度体系不断健全，监管力度持续加大。国务院办公厅部署了政府采购领域"整顿市场秩序、建设法规 体系、促进产业发展"三年行动方案（2024—2026年），着力解 ...