《 人民日报 》（ 2025年11月24日 18 版） (责编：卫嘉、白宇) 关注公众号：人民网财经 本报电 近日，北京大学经济学院和北京大学中国保险与社会保障研究中心在北京举办第二十二届北大 赛瑟（CCISSR）论坛。专家学者围绕加快保险机构数智化转型、提升保险业与经济发展适配性等话题 展开讨论。专家表示，保险业属于数据密集型行业，人工智能等技术应用潜力巨大。行业应在风险定 价、智能核保、理赔管理、反欺诈监测、客户服务等环节加大科技应用力度，挖掘数据价值，实现运营 提效、服务优化。专家认为，行业推进数智化转型有利于加强产品服务创新。"十五五"时期，保险行业 应进一步结合建设现代化产业体系相关需求，大力发展科技保险、绿色保险，为数据资产、网络安全和 国际运输等领域提供更坚实的保险保障。 （屈信明） ...

Core Insights - The global lithium battery equipment industry is experiencing a strong surge in orders, with leading companies expected to sign and hold orders exceeding 30 billion yuan in the first half of 2025, representing a year-on-year growth of 70% to 80% [2] - The current expansion cycle emphasizes high safety, reliability, performance, and value, focusing on three main challenges: balancing scalability and flexibility, managing complexity and yield stability, and enhancing global responsiveness [2] Group 1: Industry Innovations and Trends - The 2025 High-Performance Lithium Battery Annual Conference featured key presentations from various companies, including Guoxuan High-Tech and Gongyuan Sanqian, discussing innovations in intelligent manufacturing and battery technology [1][3] - Guoxuan High-Tech proposed a "Three New" initiative for industry collaboration, focusing on exploring new equipment and technologies for quasi-solid, semi-solid, and solid-state batteries, sharing key processing technologies, and building an ecosystem for industrial AI detection and intelligent scheduling [7] - Gongyuan Sanqian aims to become a provider of advanced industrial X-ray solutions, with their X-ray detection equipment achieving significant speed improvements, reducing detection times for various battery types [12][13] Group 2: Technological Advancements - Jieput's presentation highlighted the application of laser welding process control technology in power batteries, emphasizing a comprehensive control approach throughout the welding process to ensure quality and efficiency [14][16] - Public Laser's COO discussed advancements in high-power fiber green light technology for lithium battery electrode cutting, showcasing its advantages over traditional methods in terms of precision and reduced thermal impact [19][21] - Zhongke Leishun introduced a new generation of lithium battery slurry preparation technology using high-energy ultrasonic cavitation dispersion, which significantly improves slurry stability and reduces contamination [22][25] Group 3: Efficiency and Sustainability - Leisuo New Materials presented their planar infrared drying technology, which offers significant energy savings and efficiency improvements in battery production, achieving a 50% reduction in energy consumption and a 40% increase in speed [28][31] - The company has delivered over 200 sets of planar infrared systems since 2022, demonstrating its commitment to sustainable production practices [32] - Bichu Electronics introduced a comprehensive IWM lithium welding solution that utilizes data-driven closed-loop control to enhance welding reliability and traceability, addressing common quality risks in battery production [33][36]

Core Insights - Advanced digital technologies, particularly AI, are pivotal in global energy transition and industrial upgrading, providing tools for growth and new competitive avenues while posing systemic challenges for application [1] - Schneider Electric has positioned AI innovation as a key development strategy, leveraging over 20 years of experience in machine learning and algorithms, and has established a dedicated AI R&D team of over 350 experts globally [1] - The company has set up an AI innovation lab in China, integrating AI with electrification, automation, and digitalization to offer AI-embedded hardware and software solutions across critical sectors [1] Group 1: AI Value Realization - Schneider Electric emphasizes the need for AI to create tangible value in industries, addressing challenges related to "scene positioning" and "investment returns" through a model of "AI products + AI services" [2] - The company has demonstrated practical applications of AI, such as optimizing diatomaceous earth usage in beer production, improving filtration efficiency by approximately 20% and material savings of about 15% [2] - In collaboration with Swire Properties, Schneider Electric utilized AI models to accurately predict building cooling load demands, achieving over 5% energy savings with a prediction accuracy exceeding 95% [2] Group 2: Operational Innovations - Schneider Electric has implemented AI across its supply chain, achieving a 98% order delivery rate at its Shanghai Putuo factory, which has been recognized as a "lighthouse factory" by the World Economic Forum [3] - The company focuses on ecosystem innovation, emphasizing collaboration across the AI industry chain to accelerate R&D and application, particularly in addressing energy transition challenges [3] Group 3: Industrial AI Potential - The industrial sector, a backbone of the economy, is seeing AI's value emerge in various applications, including predictive maintenance and machine vision quality inspection [4] - AI technologies are enhancing operational efficiency in supply chains through smart warehousing and logistics, driving automation in hardware facilities [4] - Schneider Electric identifies AI as a critical tool for industrial enterprises facing the challenge of "incremental growth without revenue increase," enabling cost reduction and efficiency improvements [5] Group 4: Ecosystem Collaboration - The company highlights the importance of ecosystem collaboration for AI application, forming partnerships to develop digital solutions and advance new energy systems [6] - Schneider Electric's collaboration with cloud service providers like Alibaba Cloud aims to leverage AI models for predictive maintenance and microgrid scheduling, creating a complete industry chain from basic tools to customized delivery [6] Group 5: Future Directions - The future of AI in industrial applications is focused on scaling mature applications and fostering innovation through partnerships, transitioning from "point optimization" to "global optimization" [6] - Schneider Electric aims to integrate AI deeply with energy technology to drive efficiency and sustainability across various industries, showcasing its role as a leader in energy technology [7]

Group 1 - The company prioritizes the implementation of the spirit of the 20th Central Committee's Fourth Plenary Session as a key political task, focusing on enhancing new productive forces in deep-sea operations [1] - The company has initiated various actions to ensure the effective execution of the session's spirit, including training sessions and practical applications of new productive forces [1] - The integration of digital transformation and smart marine engineering into the company's operations is emphasized, aiming to convert learning outcomes into practical efficiency improvements [1] Group 2 - The company has developed a comprehensive simulation capability for offshore operations using 3D simulation and digital twin technology, significantly improving the success rate of offshore operations [1] - The digital twin health management system based on the "Hai Ji No. 1" deepwater jacket design has been applied in multiple projects, enabling complete lifecycle integrity management of oil fields [1] - The company has led the integration of innovation across the industry chain, establishing a technology and product map for floating facilities, achieving over 70% self-control rate in key technologies [2]

Core Insights - The competitive landscape for enterprises is being reshaped by artificial intelligence (AI), which is now a baseline strategy for survival and growth rather than a mere possibility [2] - The core challenge of AI adoption in enterprises lies not in the lack of models or computing power, but in seamlessly integrating disruptive AI capabilities into gradually evolving organizations [3] - Enterprises face a triad of challenges during digital transformation: respecting historical investments while embracing AI innovation, simplifying management while meeting diverse needs, and ensuring business stability while allowing for continuous technological upgrades [3][4] Group 1 - Many enterprises encounter three major barriers: data fragmentation leading to inaccurate decision-making, insufficient insights resulting in reliance on experience, and rigid systems limiting adaptability to different business models [4] - The anxiety surrounding AI adoption is exacerbated by a lack of understanding and recognition of the uncertainties associated with new technologies, leading to feelings of helplessness in the face of change [4][5] - A significant portion of enterprises focus solely on improving operational efficiency during digital transformation, with few prioritizing product service innovation and the cultivation of intelligent business models [5] Group 2 - To address the current challenges in AI transformation, enterprises need to build a bridge connecting their historical systems with future strategies, providing four forms of reassurance: investment security, transformation ease, operational simplicity, and innovation support [6] - The historical burden of multiple IT architectures complicates the transition to AI, necessitating a new generation of intelligent computing infrastructure to facilitate smooth collaboration between technological iteration and gradual business development [6][7] - The key to successful AI transformation lies in enabling gradual innovation that maximizes compatibility with existing digital transformation efforts, rather than pursuing disruptive changes [7] Group 3 - The AI Infra 3.0 framework proposed by Qingyun Technology aims to create a unified architecture that supports various capabilities, ensuring compliance and performance while optimizing resource allocation [8] - This architecture adheres to three principles: compatibility with existing assets to avoid resource waste, phased upgrades to mitigate transformation risks, and assurance of business continuity and data security [8] - The concept of "reconstruction and unification" represents a significant shift in architectural philosophy, allowing enterprises to integrate flexible technological capabilities into their existing IT systems [8]

产业电商助力数智化转型。惠企对接提升中小企业数字化转型和柔性制造能力，主要电商平台开展 产业电商对接超400场，带动重点监测的纺织、药品等领域产业电商交易额增长5.5%、3.4%。在山东举 行"数商兴农"活动，联动山西、甘肃、江西等地，推动电商赋能特色农产品销售。据商务大数据监测， 1—10月农产品和农村网络零售额分别增长9.5%和7.5%。 商务部深入贯彻党的二十届四中全会精神，推动我国电子商务持续健康发展。2025年1—10月，我 国电子商务在提振消费惠民生、促进现代产业体系建设、扩大高水平对外开放等方面发挥积极作用，不 断释放商务发展新动能。 数字消费助力扩内需惠民生。数字消费、品质电商以新供给创造新需求，不断激发消费潜力。据国 家统计局数据，1—10月全国网上零售额同比增长9.6%。智能产品、网络服务、即时电商增长亮眼，据 商务大数据监测，AI眼镜、智能手表等智能穿戴网零额增长23.1%，网络服务消费增长21%，其中线上 购券-线下体验的到店餐饮增长25.1%，即时电商便利消费需求，销售额增长24.3%。 "丝路电商"助力共享中国大市场。打造高质量共建"一带一路"新实践，"丝路电商"合作先行区建设 形 ...

面对行业发展新形势，张晓峰认为，期货和衍生品被纳入"十五五"规划建议，这是行业发展的幸事，意 味着战略地位显著提升。站在新的发展起点，面对新的时代使命，期货业应坚守服务实体经济初心，深 化功能发挥，筑牢合规风控底线，强化公司治理，积极拥抱数智化转型，拥抱开放创新机遇，拓展发展 空间。 人民财讯11月20日电，11月19日—20日，第十九届深圳国际金融博览会暨2025中国金融机构年会在深圳 举行。在20日上午举行的"中国期货业年会"分论坛上，证券时报社党委副书记张晓峰代表主办方致辞时 表示，近年来，中国期货市场实现跨越式发展，呈现规模质量齐升的良好局面。今年以来，铸造铝合 金、丙烯、胶版印刷纸等期货期权新品种陆续上市。截至目前，国内已上市157个期货和期权品种，为 相关产业提供了精准的风险管理工具。同时，QFII、RQFII可交易品种不断扩容，对外开放的广度与深 度持续拓展，让中国期货市场更好地融入全球金融体系。今年境外客户增长显著，同比增幅达11%，交 易者分布于40个国家和地区。 ...

Core Viewpoint - Jiangsu Provincial Geological Survey Institute emphasizes the integration of party leadership with geological technology development, focusing on national strategic needs and industry advancements to drive innovation and digital transformation in geological science [1][11]. Group 1: Political and Technological Integration - The institute addresses key technological challenges in digital platform construction, such as data integration of commercial software and low efficiency of AI models, by forming task forces led by party members to develop AI replacement models [3][12]. - Collaborative mechanisms are strengthened through a "Party Building + Collaboration" model, leading to the creation of a three-dimensional database for underground space resources in Taixing City, in partnership with local natural resource departments and research institutions [3][12]. - The institute promotes deep integration of industry, academia, and research by collaborating with universities on national deep-earth technology projects and establishing strategic partnerships with local governments [3][12]. Group 2: Responsibility and Innovation Mechanisms - A comprehensive mechanism is established that integrates party leadership into the entire process of technology planning, project initiation, resource allocation, and result transformation, ensuring that innovation outcomes serve industrial development [5][13]. - The institute optimizes its innovation system by implementing a structured approach to talent development, funding, and technology transfer, ensuring that innovative practices are effectively rooted in scientific work [5][13]. - The cultivation of research talent is emphasized through activities that instill a sense of mission and responsibility, aligning with the broader goals of national development [5][13]. Group 3: Accelerating Technology Application - The institute accelerates the transformation of technological achievements into productive forces by organizing party members to engage directly with industry needs, particularly in green and low-carbon technologies [6][13]. - Focus areas include the innovation and application of geothermal exploration technologies in the Yangtze River Delta, contributing to the establishment of efficient utilization models for regional geothermal resources [6][13]. - Research on carbon dioxide geological storage potential and key technologies for deep geological storage is being conducted, showcasing the institute's commitment to integrating scientific innovation with industrial application [6][13]. Group 4: Digital Transformation Initiatives - The institute identifies digital transformation as a critical breakthrough, leading initiatives to enhance geological work through digital upgrades and smart technology applications [8][7]. - A detailed plan for the digital transformation of geological work is developed, with responsibilities assigned to various departments to ensure effective implementation [8][7]. - The institute leverages advanced technologies such as digital twins and big data to create a digital foundation for urban geology, enhancing applications in urban planning and geological assessments [8][7]. Group 5: Future Outlook - Looking ahead, the institute aims to continuously enrich the integration of party leadership with technological innovation, accelerating digital transformation and the conversion of scientific achievements into sustainable development contributions [9].

Core Insights - The consumption finance industry in China has experienced significant growth over the past decade, with the number of institutions increasing from 4 to 31 and total assets and loan balances exceeding 1.3 trillion yuan, becoming a vital force in promoting high-quality economic development [1] Industry Development - In June 2015, the State Council decided to expand the pilot program for consumption finance companies nationwide, marking the beginning of a "golden decade" for the industry [1] - Since 2016, a series of top-level designs have been introduced to inject continuous momentum into the consumption finance sector, focusing on enhancing financial supply in the consumption field and innovating financial products [2] Company Overview - China Postal Savings Bank initiated the establishment of China Postal Consumer Finance Co., Ltd. in October 2015, which has evolved into a leading player in the industry, aligning with national policies and market demands for high-quality development [1][2] - The company adheres to the core philosophy of "inclusive finance," aiming to make financial services accessible and affordable for a broader population [2] Customer Focus and Service Expansion - As of October 2025, the company has served 18.57 million key customer groups, with a loan issuance exceeding 1 trillion yuan, contributing to the national strategy of expanding domestic demand [3] - The company has seen a 4.53 percentage point decrease in comprehensive loan pricing since the end of 2021, reflecting its commitment to affordability and customer-centric services [3] Market Engagement and Innovation - The company has tailored products like "New Citizen Loan" to meet the urgent financial needs of specific groups, including new citizens and rural populations, thereby supporting rural revitalization [4] - It has optimized service processes and enhanced user experience through the "Postal Wallet APP," which simplifies loan procedures and lowers service usage barriers [4] Technology and Digital Transformation - The company has established a robust technology framework, with 106 authorized patents and 135 software copyrights, enabling efficient operations and automated loan approvals [7] - It has developed an intelligent fraud prevention system that successfully intercepts over a million fraudulent transactions annually, recovering significant amounts in potential losses [8] Social Responsibility and Community Engagement - The company emphasizes consumer rights protection and has established a comprehensive consumer protection system, integrating consumer protection principles into product design and service delivery [9] - It actively engages in community service and educational initiatives, including financial literacy programs and volunteer activities, reflecting its commitment to social responsibility [10] Future Outlook - As the consumption finance industry enters a new phase focused on quality, efficiency, and sustainability, the company aims to deepen its digital transformation and enhance service quality, striving to become a leading domestic consumption finance institution [11]

Group 1 - The core viewpoint of the articles emphasizes the positive impact of e-commerce on consumption, industrial transformation, and international cooperation in China, highlighting significant growth in various sectors [1][2] Group 2 - E-commerce in China has contributed to boosting consumption and improving livelihoods, with online retail sales increasing by 9.6% year-on-year from January to October 2025 [1] - Smart products and online services have shown remarkable growth, with sales of smart wearables increasing by 23.1% and online service consumption rising by 21% [1] - The "Silk Road E-commerce" initiative has led to the establishment of 12 innovative practice cases, promoting China's large market as a global opportunity [2] Group 3 - The digital transformation of small and medium-sized enterprises (SMEs) has been supported by e-commerce platforms, with significant increases in e-commerce transaction volumes in textiles and pharmaceuticals, growing by 5.5% and 3.4% respectively [1] - Agricultural products and rural online retail sales have also seen growth, with increases of 9.5% and 7.5% respectively from January to October 2025 [1] Group 4 - The import sales of monitored platforms increased by 8.9%, with notable sales growth for products from Uzbekistan and Thailand, at 73.7% and 39.9% respectively [2]