巨型吊牌看似荒唐，本质上是电商领域"信任成本"高企的极端表现。服装行业原本就面临高库存、快周 转的压力，近年来愈演愈烈的"蹭穿"现象更是让服装经营者雪上加霜。公开数据显示，电商女装退货率 高达50%至60%，直播的退货率甚至达80%以上。 媒体曾报道，一些消费者为了婚礼、旅行等一次性需求购入服饰，使用后退回；还有学生团购服装参加 活动，利用平台规则集体退货。这些带有褶皱、污渍甚至明显磨损的衣物，让商家增加了运营成本。在 平台规则往往倾向于保护消费者的背景下，商家也难以通过正常方式进行反制，只能被迫祭出"巨型吊 牌"这一物理外挂，试图通过增加试穿的不便性，来劝退那些意图"免费租赁"的投机者。 平心而论，"巨型吊牌"虽显突兀，但也是对诚信消费生态的一种保护。对于大多数消费者而言，"确认 收货"前只需要确认尺码是否合身、款式是否满意。"巨型吊牌"在不影响正常消费者的同时，增大了"作 弊"的难度，有效隔绝了蹭穿者。在一定程度上，这确保了每一位消费者拿到手中的都是真正意义上的 新衣，为他们筑起了一道卫生与质量的防火墙，维护了公平交易的底线。 从长远来看，"巨型吊牌"或许能暂时降低退货率，但还应当思考如何建立更合理的退货 ...

■聚焦"十五五"战略目标 全面提升金融服务效能（二） □ 杨成长 龚 芳 方思元 □ 《中共中央关于制定国民经济和社会发展第十五个五年规划的建议》提出，要"构建统一、开放、竞 争、有序的市场体系，建设法治经济、信用经济"，这标志着信用市场在市场经济体制机制改革及全国 统一大市场建设中的重要性进一步提升 □ 加快健全信用体系和信用市场建设不仅是提升市场运行效率、优化营商环境的现实需要，更是实 现"十五五"规划战略目标的重要保障。近年来，受益于推进全国统一大市场建设及数字经济的快速发 展，我国已具备建设统一信用市场的良好基础 □ "十五五"时期，应依托全国统一大市场建设，加快推进全国信用市场一体化进程：一要从理念上重视 全国统一信用市场的建设；二要加快构建高标准信用基础设施体系；三要全面提升中介机构的信用评估 定价能力；四要提升市场经营主体的信用经营能力 近年来，我国高度重视全国统一大市场建设，推动各类资源要素在更大范围内顺畅流动、优化配置。 《中共中央关于制定国民经济和社会发展第十五个五年规划的建议》（以下简称"十五五"规划建议）提 出，要"构建统一、开放、竞争、有序的市场体系，建设法治经济、信用经济"。 与此 ...

Core Insights - Offline dining merchants have unexpectedly become the focal point in this year's local lifestyle competition, with the launch of Gaode's "Street Scanning List" injecting new vitality into the market [1][3][6] Group 1: Market Dynamics - Gaode's "Street Scanning List" has attracted over 400 million users within 23 days of its launch, indicating strong market acceptance and user engagement [6][7][9] - During the recent National Day and Mid-Autumn Festival holidays, Gaode drove over 100 million customer visits to offline dining establishments, showcasing its impact on consumer behavior [3][6] - The competition between Gaode and Meituan is not just about market share but represents a broader battle for establishing a new infrastructure for local services [5][11] Group 2: Consumer Behavior and Trends - The "Street Scanning List" and similar recommendation systems are evolving into essential infrastructure, akin to logistics and payment systems, enhancing the commercial and social value of local dining experiences [5][10][11] - The rise of small local eateries during the holidays reflects a shift in consumer preferences towards authentic dining experiences, with over 70% of popular dining spots seeing a more than 200% increase in traffic compared to pre-holiday levels [3][10] Group 3: Competitive Landscape - The competition in the local lifestyle market is characterized by a focus on building a reliable credit system for offline services, with both Gaode and Meituan striving to differentiate themselves through technology and algorithmic capabilities [9][12][14] - The ongoing battle for consumer trust and credibility in the evaluation of local dining options is central to the competition, as establishing a trustworthy credit system is crucial for market leadership [12][13][14]

Core Insights - On October 1, 2023, Gaode App achieved a record of 300 million daily active users (DAU), surpassing last year's peak, and reached 360 million DAU on October 2, indicating its status as a national-level application in China [3][6][14] - Gaode's recent launch of the "Gaode Street Ranking" has significantly contributed to its user growth, with over 400 million users engaging with the feature within 23 days of its launch [7][14] - The app has evolved beyond navigation to become a comprehensive lifestyle service platform, integrating various functionalities such as food discovery, travel planning, and social recommendations [19][20][24] User Engagement and Growth - The DAU of Gaode during the National Day holiday indicates that approximately one in three internet users in China accessed the app, highlighting its widespread adoption [6][16] - The "Gaode Street Ranking" has a penetration rate of nearly 50% among Gaode's total user base, showcasing its popularity and user engagement [16][24] - The app's features, such as real-time location sharing for group travel and the ability to find essential services, have seen exponential growth in usage during holiday periods [18][19] Technological Innovation - Gaode's approach to the "Gaode Street Ranking" relies on real user behavior data rather than traditional rating systems, addressing the issue of unreliable reviews [9][10] - The integration of AI algorithms to analyze user data enhances the app's ability to provide accurate and relevant recommendations, establishing a new credit system for offline businesses [13][20] - The app's transformation into a multi-functional platform reflects a strategic shift towards leveraging technology to meet diverse consumer needs [24][25] Strategic Positioning - Gaode is positioned as a key player in Alibaba's broader strategy to create a comprehensive consumption platform, aiming to rival major applications like Taobao [22][23] - The app's evolution from a navigation tool to a lifestyle service hub illustrates a significant shift in the internet application landscape, focusing on user behavior to drive value creation [24][25] - As of July 2025, Gaode is projected to have 890 million monthly active users, solidifying its status as Alibaba's second-largest app [23]

Group 1 - The core point of the article highlights the surge in interest from restaurant businesses in migrating online, driven by Gaode's announcement to waive the first-year store opening fees and provide supportive policies [1][2] - Within just 72 hours of the announcement, Gaode received over 150,000 inquiries from restaurants, indicating a strong demand for online presence among small and medium-sized enterprises in the competitive food service industry [2][3] - The current challenges faced by the restaurant industry include rising operational costs and a lack of trust in online rating systems, which have led to a cycle of financial strain for many businesses [3][4] Group 2 - Gaode's recent initiatives, including the "Street Ranking" and the "Good Store Support Plan," aim to create a new service credit system for offline dining and service industries, with a goal of adding approximately 10 million customers daily [4][5] - The "Street Ranking" has shown early success, with participating small restaurants experiencing significant increases in traffic, such as a 540% rise for a specific store in Guangzhou [5][6] - Experts believe that Gaode's approach could reshape the competitive landscape of the restaurant industry by fostering a more equitable and transparent environment, shifting the focus from marketing budgets to product quality and genuine customer feedback [6][7]

Core Insights - The article highlights the significant shift of offline restaurants towards online platforms, driven by Gaode's announcement to waive the first-year store opening fees and provide supportive policies [1][2]. Group 1: Market Response - Within just 72 hours of the announcement, Gaode received over 150,000 inquiries from restaurants, averaging 50,000 inquiries per day, indicating a strong interest from merchants to join the platform before the National Day holiday [2][4]. - The surge in inquiries reflects the widespread anxiety and demand among offline merchants, particularly small and medium-sized restaurants, seeking new avenues in a highly competitive market [4]. Group 2: Industry Challenges - The restaurant industry is facing a dual pressure of rising costs and declining trust, with promotional expenses on mainstream platforms becoming a heavy burden for many restaurant owners [5]. - Issues such as "paying for good reviews" and "professional fake reviews" have undermined the credibility of online rating systems, creating a vicious cycle for merchants who feel compelled to engage in these practices to maintain visibility [5]. Group 3: Gaode's Strategic Initiatives - Gaode's recent initiatives, including the "Street Ranking" and the "Smoke Fire Good Store Support Plan," aim to address these challenges by providing over 1 billion yuan in subsidies and enhancing visibility for participating stores [6]. - The "Street Ranking" leverages real user navigation data to create a more trustworthy evaluation system, significantly reducing the likelihood of manipulated ratings [6]. - Early results show that the "Street Ranking" has led to a 187% increase in traffic for featured stores, with some individual stores experiencing traffic growth of up to 540% [6]. Group 4: Future Outlook - The overwhelming response from merchants indicates a desire for a fairer and more transparent competitive environment, moving away from the ineffective "involution" of marketing budgets [8]. - Gaode's approach is seen as a significant attempt to reshape the offline consumption ecosystem through technology and trust, with potential long-term benefits for the restaurant industry [8]. - Future initiatives will continue to evolve based on the actual needs of restaurant merchants, aiming to create more business opportunities [8].

Group 1 - The core idea of the articles revolves around the financial support provided by Postal Savings Bank in Ganzi Prefecture, which has revitalized local tourism and traditional crafts through innovative credit solutions [1][2] - The establishment of a credit system has enabled local entrepreneurs, like Abou, to transform traditional Tibetan houses into profitable "smart homestays" by securing loans without collateral, averaging 30,000 yuan per household [1] - The bank's "credit + guarantee" model addresses the "light asset" challenges in the tourism industry, facilitating collective entrepreneurship among herders and creating a sustainable business model that includes enterprise operation, collective dividends, and individual entrepreneurship [1] Group 2 - The transformation of a long-abandoned spring into a hot spring complex was made possible by a 5 million yuan loan from the Postal Savings Bank, which utilized a model based on project prospects, credit ratings, and collective guarantees [2] - Local villagers have benefited significantly from this project, with annual dividends reaching 48,000 yuan, surpassing previous agricultural and pastoral incomes [2] - The People's Bank of China in Ganzi Prefecture is actively working to improve the financing environment for private enterprises by enhancing government financing guarantee systems and optimizing risk-sharing mechanisms with financial institutions [2]

Core Insights - The article discusses the launch of Gaode's "Street Ranking" as a new AI-driven credit infrastructure for offline services, aiming to address the credit deficit in China's service industry [1][2][24] - Gaode's initiative is positioned not merely as a competitor to existing platforms like Meituan, but as a transformative approach to building a reliable credit system for offline services [2][24] Summary by Sections Gaode's Strategic Move - Gaode's "Street Ranking" product aims to create a new credit foundation for offline services, leveraging AI and real user behavior data [2][19] - The launch attracted over 40 million users on its first day, indicating strong initial interest [1] Historical Context - The article draws parallels between Gaode's initiative and the evolution of Alipay, which established a credit system for online transactions in 2003 [4][6] - Alipay's success in building trust in online commerce is highlighted as a model for Gaode to replicate in the offline service sector [7][25] Market Dynamics - The offline service market in China is experiencing rapid growth, with service consumption increasing from 7.2 trillion yuan to 18.3 trillion yuan from 2013 to 2024 [7] - Gaode's focus on credit innovation is seen as essential for enhancing consumer confidence and improving transaction efficiency in the service sector [24][26] Credit System Challenges - The article discusses the challenges of establishing a credit system for offline services, including issues of information asymmetry and the need for reliable consumer feedback [9][12] - Traditional review systems are criticized for their subjectivity and potential for manipulation, necessitating a more robust solution [12][13] Gaode's Approach - Gaode's "Street Ranking" utilizes AI to analyze multiple dimensions of user behavior, such as navigation and visit frequency, to create a more accurate credit score for businesses [19][20] - The integration of Alipay's credit system allows for a weighted evaluation of user reviews, enhancing the credibility of the rankings [19][21] Future Implications - The initiative is positioned as a long-term project aimed at transforming the offline service landscape in China, with expectations of significant economic potential once a reliable credit system is established [26] - The article concludes with a vision of a future where enhanced credit systems can unlock greater consumer spending and improve service quality across the industry [26]

Core Viewpoint - Alibaba and Meituan have initiated a new competitive front, with Alibaba's Gaode Map launching the "Gaode Street Ranking," a behavior-based ranking system aimed at supporting offline dining and service consumption, emphasizing that the ranking will "never be commercialized" [4][6]. Summary by Sections Gaode "Street Ranking" Implementation - Gaode's approach leverages large-scale verifiable "behavior data," with 170 million daily users contributing to a sample pool through searches, collections, navigation, and visit trajectories [11]. - Key factors include store visit numbers, repurchase rates, purpose-driven visits, and local versus national appeal, which differ from traditional UGC reviews that rely on subjective ratings [11]. - The ranking system incorporates a credit evaluation weighted by Sesame Credit and employs AI risk control to filter noise, with various rankings updated daily based on dynamic data [11]. Commercial Intentions Behind the Ranking - The ranking aims to rebuild trust by establishing a new standard based on trajectories and credit, transforming "good stores" into reusable credit assets [12]. - Gaode seeks to expand its offline entry points, with daily searches exceeding 120 million and restaurant coverage over 7 million, transitioning from a "tool" to a "decision-making" platform [12]. - The initiative includes a "Good Store Support Plan" with over 1 billion yuan in subsidies and incentives to drive foot traffic to stores, indicating a direct intervention in offline consumption [12]. Competitive Landscape with Meituan - The Gaode Street Ranking fits into Alibaba's broader strategy to compete with Meituan, with Taobao Flash Sale corresponding to Meituan's delivery services, and Fliggy targeting Meituan's travel segment [17][18]. - Taobao Flash Sale combines e-commerce with instant fulfillment, leveraging Alibaba's supply chain to address Meituan's SKU breadth and product strength [18]. - Fliggy aims to integrate e-commerce advantages into travel services, potentially enhancing Alibaba's competitiveness in the travel sector against Meituan [19]. Strengths and Weaknesses of the Ranking System - The ranking's strength lies in its reliance on actual consumer behavior, providing a more accurate reflection of popularity compared to traditional review systems [20]. - However, the data may not always lead to correct consumption decisions, as trending restaurants may not necessarily offer quality food [20]. - Meituan's advantages remain in delivery density and community engagement, but if Gaode's standards gain traction, Alibaba could increasingly challenge Meituan's market position [20].

Core Viewpoint - Gaode Map has launched the "Gaode Street Ranking," the world's first ranking based on real user behavior, marking a significant shift towards integrating local life services with e-commerce [1][21]. Group 1: Gaode's Strategic Shift - Gaode is transitioning from merely directing traffic to stores to facilitating actual transactions, allowing tool-based apps to monetize effectively [3][4]. - The app boasts a substantial user base with 186 million daily active users and 800 million monthly active users, indicating its critical role in users' travel and consumption decisions [4][5]. - Gaode's integration of "location-based e-commerce" aligns with Alibaba's broader ecosystem, enhancing connectivity across various services like e-commerce, payment, and logistics [5][6]. Group 2: The "Street Ranking" and Its Unique Features - The "Street Ranking" is distinguished by its evaluation system based on actual user behavior rather than subjective reviews, utilizing a three-layer firewall of behavior data, Sesame Credit, and AI risk control to ensure credibility [11][14]. - The ranking system reflects real merchant popularity through metrics like "Tire Wear Ranking" and "Returning Customer Ranking," providing a more accurate representation of consumer preferences [11][12]. - High credit users' evaluations carry more weight, enhancing the reliability of the ranking system and promoting a fair competitive environment for businesses [13][14]. Group 3: Implications for the Local Service Industry - The introduction of the "Street Ranking" aims to address the issues of "review inflation" and "fear of negative reviews" in the local service industry, transforming "real" into a tradable and valuable asset [16][18]. - Gaode's model is expected to expand beyond dining to other sectors like hotels and tourism, fostering a healthier ecosystem by rewarding genuine consumer behavior [18][19]. - The overarching goal is to convert user behavior data into a foundational element for a comprehensive consumption platform, enhancing the overall service quality in the industry [18][19]. Group 4: Future Outlook - The launch of the "Street Ranking" signifies a shift from traditional traffic-driven strategies to a focus on a credit-based system, potentially rewriting the rules of online and offline commerce [21]. - As the industry evolves, Gaode's approach may lead to a more integrated commercial landscape, where verified consumer actions replace superficial metrics [21].