证券代码：300448 证券简称：浩云科技 浩云科技股份有限公司 投资者关系活动记录表 编号：2025-001 | | □特定对象调研 □分析师会议 | | --- | --- | | 投资者关 | □媒体采访 业绩说明会 | | 系活动类 | □新闻发布会 □路演活动 | | 别 | | | | □现场参观 | | | □其他（电话会议） | | 参与单位 | | | 名称及人 | 参与公司2024年度网上业绩说明会的投资者 | | 员姓名 | | | 时间 | 2025年4月29日（星期二）15:00-17:00 | | | 深圳证券交易所"互动易"平台（https://irm.cninfo.com.cn） | | 地点 | | | 上市公司 | 董事长、总经理雷洪文先生，独立董事李华毅先生，副总经理、董 | | 接待人员 | 事会秘书甘春平女士、财务总监王汉晖先生。 | | 姓名 | | | | 公司于2025年4月23日在巨潮资讯网（http： | | | //www.cninfo.com.cn）披露了《2024年年度报告》《2024年年度报 | | | 告摘要》以及《关于举行2024年年度报告网上 ...

Core Viewpoint - Tunliu Rural Commercial Bank is focusing on serving the real economy by leveraging its regional financial advantages through a three-pronged approach: grid-based deep cultivation, scenario-based services, and digital empowerment, resulting in a net increase of 240 million yuan in various loans since the beginning of the year [1] Group 1: Grid-Based Deep Cultivation - The bank has established a "1+N" grid service system centered around its branches to deeply connect with the financing needs of small and micro enterprises, individual businesses, and farmers [3] - A customer classification management ledger has been created to accurately capture marketing opportunities and identify potential needs, categorizing clients into "core clients," "potential clients," and "nurturing clients" for differentiated service strategies [3] Group 2: Scenario-Based Services - The bank has innovatively launched the "Mobile Bank+" service model, setting up mobile financial service points in densely populated areas such as markets, industrial parks, and community squares [3] - Tailored financial plans are provided based on customer needs, with efforts to expand outreach and build a "bridge" between banks and enterprises through regular cooperation with village committees [3] Group 3: Digital Empowerment - The bank is focusing on seasonal funding needs and enhancing inclusive financial services to provide efficient and convenient financial support for the real economy [4] - Online channels are being promoted to guide customers in applying for loans through platforms like "Jinxiang Life," aiming to reduce customer effort while increasing data processing efficiency [4] - Efforts are being made to precisely match supply and demand, shorten loan approval times, and improve credit issuance efficiency [4]

Core Viewpoint - The "Action Plan" aims to enhance the convenience of cross-border financial services while promoting the construction of Shanghai as an international financial center, with a focus on supporting enterprises in their global expansion efforts [2][4]. Group 1: Key Financial Measures - The "Action Plan" introduces a series of measures to improve cross-border financial services, which include enhancing cross-border settlement efficiency, optimizing foreign exchange risk management, strengthening financing services, increasing insurance support, and improving comprehensive financial services [5][6]. - Specific measures include optimizing foreign exchange business management, enhancing the global fund management system for enterprises, and expanding the functions of free trade accounts [6][10]. Group 2: Enhancing Cross-Border Financing - The plan emphasizes the need for diversified foreign exchange risk management products and services, as well as the development of cross-border financing channels to support enterprises in their global investments [7][11]. - It also aims to facilitate the use of digital technologies to improve the efficiency of cross-border financing and settlement processes [9][12]. Group 3: Insurance Support for Enterprises - The plan highlights the importance of export credit insurance in providing risk protection for enterprises operating abroad, with a focus on enhancing the quality of insurance services and expanding coverage [14]. - In 2024, the national insured amount for export credit insurance is expected to exceed 1 trillion USD, indicating a strong growth trend in this area [14]. Group 4: Policy Implementation and Innovation - The "Action Plan" includes innovative measures such as pilot programs for cross-border trade refinancing and the use of blockchain technology to streamline financial services [8][9]. - It also emphasizes the need for a digital transformation in financial services, including digital identity verification and electronic documentation [9][10]. Group 5: Support for Enterprises Going Global - The Shanghai municipal government plans to create a "financial service package" tailored to the needs of enterprises expanding internationally, providing customized financial products and services [7][8]. - The plan aims to lower the operational costs for enterprises and enhance their risk management capabilities in the context of globalization [15].

随着消费者需求日趋多样化和文旅产业的不断融合发展，国内旅行社正迎来一次重塑格局的契机。从传统的组团、订票，到如今深入到研学、康养、乡村振 兴乃至文创开发，旅行社早已不仅仅是"卖行程"的服务商，而是"全旅程生活方式"的提供者。 一、旅行社转型升级：从"走马观花"到"沉浸式体验" 如今的游客，更倾向于有温度、有故事的旅行方式。过去的"上车睡觉、下车拍照"的快节奏团游，逐渐被"深度游""主题游"取代。以四川的川西环线为例， 许多旅行社将藏文化、高原生态与轻奢露营结合，打造"沉浸式川藏风情体验营"；再如福建土楼线路，将围屋住宿、客家饮食、夜间表演等整合成"夜游土 楼"产品，大受欢迎。 旅行社在转型中，更注重内容IP的打造和文化价值的传递。例如，结合历史文化遗迹的"博物馆之旅"、以美食探店为核心的"吃货地图打卡游"、还有聚焦城 市更新的"工业遗产之旅"等，都成为社交平台热议的新宠。 二、"旅游+"跨界融合：多元布局助力旅行社新生 面对激烈的市场竞争，不少旅行社主动求变，开启"旅游+教育""旅游+康养""旅游+影视"等跨界创新。例如： 三、数字化赋能：科技让服务更贴心 在数字技术的推动下，旅行社服务正在发生质变。大数据分 ...

截至2025年4月7日，久车GO平台注册汽车经销商已达5.23万家，覆盖全国1376个县级市场。截至本公 告日期，久车GO平台已促成卡罗拉1.2T车型成交1965台，涉及经销商263家，充分体现久车GO平台的 数字化链接能力及汽车流通效率提升的成效。 董事会认为，签订项目合作协议将为本集团提供新的业绩增长点，本集团将继续通过数字化赋能及县域 深耕双轮驱动，探索AI应用场景，建立"监管员+本地合伙人"合作机制，完善在线交易平台与线下加盟 渠道的闭环，并围绕汽车交易拓展金融衍生产品及属地化售后服务能力，构建适应下沉市场的轻资产、 高效率新零售生态。因此，董事会认为项目合作协议的签署符合本集团及股东的整体利益。 此次合作旨在共同探索下沉增量市场，试点新型渠道模式，通过久车GO平台的数字化能力，实现直连 县域客户、提升销售管控力度及销售质量。该合作模式的创新点在于：单一持车主体：本公司作为卡罗 拉1.2T车型全系全国唯一出口，提供下沉市场分销与交付服务，从源头规避价格博弈;链路可追溯：久 车GO平台注册经销商与经纪人须按统一价格销售及交付，并依据销售结果获取服务费佣金，实现端到 端全链路可追溯与管控;以销定产轻资产模 ...

7 176 项目核心在于 "稳定性" 与 "可持续性" ：更新老旧设备、引入智慧供热系统，通过数字化赋能 实现热网平衡与精准调控。数据显示，改造后 供热效率提升15%，能耗降低12% ，既满足亚冬 O KSB t The Art A 冰雪同梦 科技赋能 紫 凯士比以绿色智慧 护航亚冬会温情时刻 造项目，通过设备升级与智慧化改造，为游客提供温暖舒适的绿色冬季体验。 会高负荷需求，也为哈尔滨城市供暖体系注入长期发展动能。 为保障赛事期间供暖稳定、环保， 哈尔滨市华能集中供热有限公司 启动"提标增效"清洁供热改 中开双吸泵 为核心，为供热系统构筑高效可靠的 "动力心脏" 。 作为全球水泵技术领军者， 凯士比 深度参与此次改造， 上海凯士比泵有限公司 以 RDLO系列 ⏺︎ 超强性能： 单泵流量5000m³/h、扬程140m、功率2500kW ，满足大型场馆集中供热需求； ⏺︎ 精密设计： 采用CFD模拟技术优化水利部件，结合FEM强度及震动分析强化结构抗震性， 从源头 杜绝震动隐患 ； ⏺︎ 全流程品控： 从铸造、焊接、装配到涂装测试，严格执行德国工业标准，确保设备在 -30℃ 的极寒环境下稳定运行。 亚冬会对设备 ...