点完外卖顺手买件抽纸，京东用"高频"筷子撬起零售大盘。 作者 | 小鑫 编辑 | 小白 今年7月，外卖大战数次冲上热搜，"0元购"、"1元购"不断挑动着人们的神经，社交平台上甚至能看 到点多份外卖存放冰箱的帖子。 根据一份8月中旬的用户调研，在补贴大战中，近三个月平均每个用户使用了3.86个外卖平台。其 中，9成的用户尝试了原来不常买的新品类。 然而，这种补贴并没有给餐饮行业从业者带来普遍的好处，部分商家实际收入减少15%以上，社交平 台上能够频繁看到从业人员累到"崩溃"，甚至开始"以次充好"。过度追求单量而忽视商家利润，显然 是难以持续的。 （来源：财联社） 这时候，监管出手了。 7月18日，市场监管总局约谈三家主要外卖平台，要求"进一步规范促销行为，理性参与竞争，共同构 建消费者、商家、外卖骑手和平台企业等多方共赢的良好生态，促进餐饮服务行业规范健康持续发 展"。这才算是给补贴大战降了温。 外卖江湖三分天下已成定局 这场"急风骤雨"式的外卖大战，给中国的外卖行业带来了两个深刻的变化，一是行业格局由一家独大 变为三分天下，二是行业竞争逐渐从价格战转向价值战。 根据9月份的调研数据，在补贴退潮后，用户会将外卖 ...

Group 1 - The core viewpoint of the articles emphasizes the proactive measures taken by Yangshuo Rural Commercial Bank to support the local tourism industry during the peak summer season, focusing on innovative financial services and collaboration with local government [1][2][3] - Yangshuo Rural Commercial Bank plans to launch a "Summer Special Financial Service" to prioritize the liquidity needs of businesses in the tourism sector, including hotels, restaurants, and travel agencies [1][2] - The bank has established a "green channel" for loans, implementing a "three priorities" approach for eligible tourism enterprises and individual businesses, which includes priority loan application processing, approval, and disbursement [2][3] Group 2 - The bank has signed a strategic cooperation agreement with the local market supervision bureau to enhance support for the restaurant and homestay industries, addressing financing challenges faced by small and micro enterprises [2][3] - Yangshuo Rural Commercial Bank is innovating financing models by extending loan terms up to 8 years for tourism projects, alleviating the financial pressure of long-term investments [2][3] - The bank is developing a multi-dimensional risk assessment model tailored to the tourism industry, focusing on cash flow analysis and dynamic monitoring to improve credit decision-making and post-loan management [3][4] Group 3 - The bank is leveraging supply chain finance to assist small and micro tourism enterprises in integrating into the core industry chain, providing credit loans or guarantee loans to stable suppliers and service providers [3][4] - Yangshuo Rural Commercial Bank has supported the low-altitude economy by providing 4.5 million yuan in credit to a local aviation company, enhancing its infrastructure to meet increasing tourist demand [3] - The bank has issued 1.1 million yuan in entrepreneurial guarantee loans to support new business ventures in the tourism sector, reducing risk concerns for the bank [4]

Core Insights - The article highlights the contrasting approaches of successful entrepreneurs, emphasizing that they apply business logic to all aspects of life, not just their companies [1][3][4] Group 1: Business Mindset - Successful entrepreneurs calculate time like ROI, with examples such as Wang Jianlin's precise schedule and Zhang Yiming's rejection of ineffective socializing [3] - They manage relationships with a supply chain mindset, as seen in the networking strategies of Ma Yun and Ma Huateng [4] Group 2: Wealth Perspective - The documentary "The Mindset of the Rich" reveals that ordinary people view money as a goal, while the wealthy see it as a tool for leveraging experiences [6] - Successful individuals break down life into stages, akin to business phases like angel rounds, growth, and IPO [6] Group 3: Practical Applications - Entrepreneurs are advised to treat themselves as core products, exemplified by Andy Lau's consistent body management over 40 years [10] - Utilizing a compounding model for skill development is crucial, as demonstrated by Warren Buffett's wealth accumulation post-50 [10] - Maintaining credit through bankruptcy standards is essential, illustrated by Luo Yonghao's experience with debt [10] Group 4: Life as a Business - The article suggests that the highest form of living is to treat life as an "unlimited liability company," applying business strategies to health, career, and family relationships [12]