【上海，中国】—— 2025年9月，国内新锐美妆品牌CODEMINT纨素之肤与国际冰淇淋品牌DQ正式达 成跨界合作，以「冰到发光·美式上头」为主题，基于"咖啡因"成分的功能共鸣与情绪协同，共同打造 沉浸式品牌联名体验。联名于9月19日正式上线后，迅速引爆线下消费热潮。以上海武康大楼DQ主题店 为核心据点，延伸至全国5个省份18家DQ限时快闪店，吸引大量消费者排队打卡，多地出现长队盛况。 部分门店联名产品上线当日即告售罄，市场反响远超预期。 *CODEMINT纨素之肤xDQ「冰到发光·美式上头」主题联名 此次合作不仅是美妆与食品行业的一次创新碰撞，更是在消费复苏背景下，以"成分共鸣×场景共创×情 绪共振"为核心策略，对Z世代消费需求的深度回应与品牌价值的共同重塑。 CODEMINT纨素之肤自创立以来，始终坚持以"纯净成分、精简护肤"为品牌理念，强调真实功效与情 感触达的双轮驱动。其明星产品"冰美式面膜"凭借咖啡因、玻色因与芋螺肽等多重高活性成分的复配体 系——尤其是高纯度咖啡因所带来的即时紧致与焕活效果，精准切入当代年轻人"熬夜肌"痛点，提供即 时消肿、紧致和焕亮的一站式解决方案，成为社交媒体中热议的护肤必备单 ...

Group 1 - The core viewpoint emphasizes the transformation of old factories into sports venues, enhancing sports consumption potential through increased supply of sports facilities [1] - As of 2024, the total area of sports facilities in the country is projected to reach 4.23 billion square meters, an increase of 1.131 billion square meters compared to the end of the 13th Five-Year Plan [1] - The government has issued guidelines to encourage the use of industrial and commercial spaces for creating sports facilities, aiming to better meet diverse public needs [2] Group 2 - Sports consumption has significant growth potential, with events like the 2025 Qingdao Marathon expected to generate 349 million yuan in comprehensive consumption [2] - The integration of sports with commercial spaces and digital technology is crucial for creating new consumer experiences and enhancing engagement [3] - The national sports industry has seen an average annual growth rate of over 10% in the past five years, with the total scale expected to exceed 7 trillion yuan by 2030 [3]

Core Viewpoint - The current consumption environment is challenging, yet the company remains unaffected, showcasing steady growth and the transformation of traditional agriculture [1] Quality Foundation - The company's robust development is rooted in its commitment to product quality, reflecting the overall quality upgrade of the Fuding white tea industry [2] - Fuding promotes the "two good and two replacements" standard, focusing on high-quality tea leaves and processing while replacing chemical pesticides and extensive processing [2] - By 2024, 80% of tea gardens will be ecological, significantly improving tea quality, with a 100% product qualification rate ensured through a city-level tea quality testing center [2] - A comprehensive big data traceability platform has been established, covering 360,000 acres of tea gardens and 77,000 tea farmers, enhancing transparency and trust in the production process [2] Intelligent Tea Production - The company operates an automated white tea production line, capable of processing the equivalent workload of 50 skilled workers per hour, ensuring efficiency and quality control [3] - The entire Fuding tea industry is advancing towards intelligent manufacturing, with a 40% increase in production efficiency through standardized production methods [3] - Fuding has been recognized as a "National Tea Technology Innovation Demonstration County," promoting technological advancements in tea production [3] Channel Innovation - The company is actively engaging with new consumer groups, becoming the exclusive tea partner for the China Open Tennis Tournament to attract younger consumers [4] - The Fuding government is expanding the "Z generation" consumer base through digital nomad projects and e-commerce live streaming, with over 5 billion views on Douyin in 2024 [4] - The involvement of younger demographics is revitalizing the tea industry, allowing traditional tea culture to be communicated in more engaging ways [4] Scene Extension - Fuding is expanding the value of tea through the "white tea+" model, integrating tea with sports, culture, and cuisine [5] - The "Tea BA" event combines competition with tea culture, while immersive tea culture experiences are being developed in tourism [5] - Fuding has been recognized by the FAO as a "Globally Important Agricultural Heritage System," positioning white tea as a cultural symbol of Eastern aesthetics and a healthy lifestyle [5] - The successful practices in Fuding demonstrate that traditional industries can achieve sustainable development through quality enhancement, technological innovation, channel renewal, and cultural integration [5]

Core Viewpoint - Consumption is increasingly recognized as a key driver of economic growth, with a series of high-quality consumption policies being introduced since 2025 to invigorate the consumption market and accelerate the development of new consumption scenarios driven by technology and policy [1] Group 1: Launch Economy - Establish a new matrix for fashion launches by accelerating the construction of international consumption experience zones and encouraging the opening of flagship and innovative concept stores [3][4] - Create a global launch center to support the establishment of flagship stores and innovative concept stores in various districts, while promoting high-profile launch events [4] - Develop new international food brands by supporting high-quality development of catering enterprises and encouraging the establishment of flagship stores for domestic and international brands [4] Group 2: Digital Consumption - Support enterprises in innovating e-commerce models, including live streaming e-commerce and instant retail, to enhance service quality and digital consumption experiences [6][8] - Encourage the integration of traditional brands with digital transformation and cross-industry collaborations to stimulate the market potential of domestic products [7] - Establish a new benchmark for digital consumption by promoting the development of digital consumption experience centers and supporting innovative activities in live streaming e-commerce [8][9] Group 3: Event Economy - Promote high-profile sports events to enhance market operation capabilities and stimulate event-driven economic vitality [10] - Focus on cultivating a system of high-quality events, including international and local competitions, to enrich related consumption products and services [10][11] Group 4: Scene Integration - Strengthen the integration of tourism with various industries, creating demonstration scenarios for industrial tourism and enhancing rural tourism infrastructure [12] - Promote the development of diverse commercial spaces and encourage innovative operational models to revitalize commercial consumption areas [12][13] Group 5: Cultural Consumption - Explore new connotations of cultural and entertainment consumption by leveraging capital cultural resources and supporting the development of online performances and exhibitions [14][15] - Encourage the construction of cultural tourism projects and enhance the integration of cultural and commercial elements in urban spaces [14][15] Group 6: Technological Innovation - Promote the deep integration of artificial intelligence and gaming industries, supporting technological innovation in game development and operations [16] - Encourage the international expansion of gaming and e-sports enterprises, providing financial incentives for significant achievements in overseas markets [16] Group 7: Characteristic Consumption Districts - Develop characteristic consumption districts by integrating historical and cultural elements, enhancing the shopping environment, and promoting local fashion brands [17]

21世纪经济报道 记者郭聪聪 北京报道 近日，中国银行业协会原首席信息官高峰发表公开演讲中指出："金融科技正站在数字化转型与人工智 能浪潮的交汇点，其发展已从技术驱动迈向场景驱动、生态驱动的新阶段。" 他强调，金融科技的核心价值在于通过技术赋能解决金融服务的痛点，提升效率、降低成本、优化体 验。在数字经济时代，金融科技不仅是金融机构转型升级的关键抓手，更是服务实体经济、推动普惠金 融、构建绿色金融体系的重要力量。 行业趋势：数字化转型与AI融合，重塑金融生态 大行全栈式信创技术引领，正在成为数字化转型的标杆。高峰提到，大型银行和股份制银行在数字化转 型方面已取得阶段性成果。通过构建企业级智能化数据中台，实现了数据的全面整合与高效利用。数据 中台不仅统一了数据标准和技术规范，还通过AI运维一体化体系提升了运维效率，降低了人为错误 率。实践表明，企业级数据中台是数字化转型的重要基础设施，能够为金融机构提供数据支撑和决策依 据。 此外，大型银行还在云原生技术、分布式架构等领域持续创新。例如，邮储银行的超大规模云原生技术 中台支持了亿级用户的金融服务需求，展现了技术架构升级对业务扩展的支撑作用。数字化转型不仅是 技术 ...

Core Viewpoint - The beverage and alcohol industries are experiencing a significant crossover, with companies like Three Squirrels launching alcoholic beverages and traditional alcohol brands entering the beverage market, reflecting a blurred boundary and a collective anxiety for growth in a saturated market [4][5][6]. Group 1: Industry Trends - Three Squirrels has introduced three alcoholic brands: "Sun Wukong" craft beer, "Huxi" fruit wine, and "Orange Cat" red wine, aiming to diversify its product matrix for various drinking scenarios [5][6]. - Beverage giants are leveraging their existing consumer bases and distribution networks to penetrate the alcohol market, as seen with Yuanqi Forest's low-alcohol sparkling wine and Fulu's fresh beer business modeled after milk tea [5][9]. - Traditional alcohol companies are also expanding into non-alcoholic beverages, with brands like Moutai and Chongqing Beer launching products such as blueberry juice and orange-flavored soda, respectively [6][9]. Group 2: Strategic Insights - The crossover strategy is driven by the need to optimize resources and create greater boundary efficiency, allowing companies to share costs and enhance value from existing consumer bases [7][11]. - Beverage companies are capitalizing on their high-frequency consumption patterns and established user connections to introduce low-alcohol products, effectively extending their market reach [9][11]. - Alcohol companies are focusing on maximizing their distribution networks by introducing non-alcoholic products, which helps stabilize revenue during seasonal fluctuations in alcohol consumption [11][12]. Group 3: Challenges and Considerations - The success of these crossovers hinges on the ability to build consumer trust in new product categories, as seen with Three Squirrels' wine and Fulu's beer [14][15]. - Companies must redefine the boundaries of "scene integration" and "professional barriers" to ensure that crossovers are not merely superficial but resonate with consumer needs and preferences [15][16]. - Both beverage and alcohol sectors face growth challenges, necessitating a return to core business principles focused on deep consumer insights and effective market positioning rather than blind pursuit of trends [16].

Core Insights - The collaboration between Huazhu and Didi Chuxing aims to address the time management challenges faced by business travelers, enhancing the overall travel experience by integrating accommodation and transportation services [8][10][12] - The traditional hotel industry has limitations, primarily focusing on accommodation, while the evolving needs of travelers demand a more comprehensive service that includes travel logistics [4][6][15] Group 1: Market Demand and Challenges - Business travelers experience significant time anxiety due to fragmented travel arrangements, requiring them to switch between multiple apps for transportation and accommodation [3][4] - There is a growing expectation from travelers for hotels to provide services beyond just lodging, with a focus on seamless travel integration [5][6] Group 2: Huazhu and Didi Collaboration - The partnership allows over 270 million Huazhu members to book Didi rides directly through the Huazhu app, streamlining the travel process [9][10] - This integration reduces the need for users to switch between different platforms, addressing the anxiety associated with fragmented travel experiences [10][12] Group 3: Redefining Service Value - The collaboration signifies a shift in the hotel industry towards valuing time as a currency, with services designed to enhance the efficiency of travel [12][19] - The Huazhu app now serves as a comprehensive travel management tool, extending its services from accommodation to transportation and other travel-related needs [12][15] Group 4: Future of Hotel Membership Systems - The evolution of hotel membership programs is moving towards a model that emphasizes seamless integration of various services rather than traditional point-based rewards [14][16] - Huazhu aims to become an intelligent platform that manages the entire travel journey, enhancing user experience through data-driven insights [14][15]