新时代的变革下，"行业已经从销售驱动变为服务驱动，谁能给用户提供更有效、更有价值、更精准的 服务，谁就是下一个风向标。"在11月21日举办的2025华夏大健康产业发展暨康复服务大会上，轻松健 康集团表示。 本次大会以"智领健康未来"为主题，在《颜值·长寿·共筑美好生活：新经济下的产业融合与价值重构》 的圆桌对话环节，轻松健康集团代表与华得森生物学术总监赵丹、西南医科大学附属自贡医院自贡市精 神卫生中心党委书记陈彬、北京大学皮肤病学博士陈昕、雍禾医疗IR负责人谷宏宇共同探讨了新经济下 的产业融合与价值重构这个话题。 本报（chinatimes.net.cn）记者王瑜 于娜 北京报道 轻松健康集团表示，在健康话题持续升温的背景下，用户对健康服务的品质和时效提出了更高要求。当 身体出现不适时，用户更倾向于首先通过互联网获取信息，希望能够精准搜索到疾病知识、相关医院资 源和专家资源。在就医决策过程中，用户主动参与度显著增强，而这一趋势背后离不开大数据技术的推 动。此外，在治疗与康复阶段，患者同样需要持续的信息支持，而底层数据能力能够实时为用户输出对 应的变量或非变量提示，以数据驱动服务升级，从而不断提升整体用户体验。 ...

Core Insights - The article discusses the comprehensive upgrade of credit card services by Ping An Bank, transforming credit cards from mere payment tools into integrated service platforms that enhance safety, convenience, health, and quality of life [1][5]. Summary by Sections Upgrade of Five Major Guarantees - Ping An Bank has introduced a "72-hour fraud protection" service, offering coverage for losses up to 300,000 yuan within 72 hours before reporting the loss, with a claims processing time of 3 to 5 working days [3]. - The bank provides travel insurance for all cardholders, covering various modes of transportation with a maximum coverage of 1 million yuan [3]. - An innovative "AI Doctor" service is now available, offering 12 free consultations per year for each cardholder, with a rapid response time of 5 seconds, catering to nearly 45 million cardholders [3]. - Flexible repayment options have been introduced, including self-deduction, scheduled payments, installment payments, and point redemption, along with a 3-day grace period and a minimum repayment ratio as low as 2% [3]. Service Experience Enhancement - A dedicated customer service system via WeChat has been established, providing one-on-one service with personalized care and recommendations for benefits and activities [4]. - Users can receive timely notifications about spending changes, bills, and repayment reminders through the official WeChat service account, facilitating quick account management [4]. Transition to a Comprehensive Service Model - The upgrade signifies a shift from a "transaction center" to a "user center" service paradigm, evolving credit cards into "lifestyle partners" rather than just payment instruments [5]. - The initiative aligns with Ping An Group's strategic focus on "reform and innovation," aiming for continuous service and product upgrades [5]. - The credit card is positioned as a gateway to a wide range of services, including insurance, health management, travel services, and quality consumption, embodying the "省心、省时、又省钱" (save worry, save time, save money) philosophy [5]. Future Outlook - With the integration of AI and big data, Ping An Bank's credit card services are expected to expand further into risk protection and health intervention, maintaining a user-centric approach [6]. - The goal is to create a financial lifestyle that is not only efficient but also warm and deep, establishing the credit card as an indispensable "all-in-one partner" in users' lives [6].

（文章来源：证券日报） 信也科技首席财务官徐佳圆表示："三季度公司保持稳健的营收能力和健康的现金流水平，并持续提升 股东回报力度。截至9月30日，今年我们已累计回购约6650万美元的股份，自2018年以来的总回购金额 已达4.37亿美元。" 信也科技首席执行官李铁铮表示："信也科技在第三季度的稳健业绩，印证了公司'立足本土、展望全 球'战略的前瞻性与有效性。未来，我们将继续深化技术研发、优化服务体验、拓展多元化布局，以坚 定的战略定力，实现更可持续的价值成长。" 截至三季度末，国内业务累计服务用户2840万人，以科技实力助推普惠金融事业发展。国际业务继续展 现强劲动能，国际收入已占总收入的25%，成为拉动整体增长的重要组成部分。截至目前，公司海外累 计借款用户规模近1000万，其中新增借款用户较上季度增长18%，达到130万。 信也科技持续加大在人工智能与大数据技术领域的投入，推动前沿科技在风控、运营及客户服务等环节 的深度融合。在人工智能应用层面，该公司对智能客服系统进行全面升级，提升了服务精准度，并基于 紧急程度实现自动化响应，显著优化了服务效率。报告期内，AI客服已完成超100万次自动化服务，在 降低客 ...

值得警惕的是，依托大数据技术的新型网购诈骗开始出现。诈骗分子通过非法渠道获取消费者的消费记 录、购物偏好、支付能力，乃至心理特征，又将这些数据转化为诈骗"利器"，精准锁定目标，量身定制 骗局。 例如，有诈骗分子冒充电商客服，以"订单异常需取消""货坏退款"为由，诱导消费者点击虚假链接填写 银行卡信息；有虚假商家客服将消费者拉入所谓的"商家群"，声称"帮店铺刷单就能赚佣金"。这些骗局 往往与真实消费环节高度贴合，消费者稍有不慎便会落入圈套。 治理网购骗局，需多方协同构建起全方位反诈防护机制，让诈骗分子无机可乘。 电商平台应主动担当作为，做好平台安全防护和数据管控，严防消费者信息泄露。同时，运用技术手段 识别和拦截可疑链接，加强入驻商家资质审核，建立快速响应的反诈机制。快递物流企业要完善消费者 信息保护机制，坚决杜绝从物流环节泄露消费者数据。监管部门则应持续加大对诈骗行为的打击力度， 形成有力震慑。消费者也要提高警惕，不轻信陌生来电、不点击不明链接、谨慎提供个人信息，遇到可 疑情况主动通过官方渠道核实。 （文章来源：经济日报） "快递已放家门口，有疑问请拨打电话"，这样一条看似平常的短信，可能藏着诈骗陷阱。"双1 ...

中金企信国际咨询深耕市场调研16年，为国内外各领域提供市场地位占有率认证&证明、市场占有率认证&证明、国产化率证明、进入性研究、市场调查、 资信/信用报告、品牌价值评估报告、数据分析、项目可行性&商业计划书、行业研究等全套解决方案的独立第三方咨询服务机构。已成为各领域企业、政 府部门、团体组织、各大科研院所等政界、学界、商界多位一体的综合性咨询平台，是国内外领先的多元化咨询服务提供商之一。 市场地位认证/证明是一种反映企业/品牌综合实力和产品市场地位的重要证明，它对于提高企业产品竞争力，增强品牌价值，增强市场信任度，提升品牌形 象，吸引投资与合作等方面都有着重要作用。随着市场竞争的日益激烈，市场地位认证的需求将不断增加。未来，企业市场地位认证将呈现以下发展趋势： 1、多元化认证体系：未来的市场地位认证将更加注重多元化和专业化。不同类型的企业将需要不同的认证标准和评估体系，中金企信国际咨询推出更加细 分化的认证服务，满足不同行业和领域的需求。2、智能化审核流程：随着人工智能和大数据技术的发展，市场地位认证的审核流程将更加智能化。中金企 信国际咨询将利用智能技术与人工相结合的方式进行数据分析和评估，提高审核的效率 ...

Group 1 - The phenomenon of "giant tags to prevent returns" has become a trend among merchants during this year's Double Eleven shopping festival, as they face high return rates, particularly in women's clothing, which exceeds 80% [3][4] - Merchants have started using oversized tags, comparable to A4 paper, to deter consumers from returning items after wearing them, as these tags increase discomfort and visibility [3][6] - The high return rates in the e-commerce sector, particularly for women's clothing, are driven by consumers exploiting the "seven-day no-reason return" policy, leading to significant economic losses for merchants [4][9] Group 2 - The rise of giant tags is a response to the growing issue of malicious returns, where consumers use the return policy to take advantage of free clothing [6][7] - The use of giant tags reflects a breakdown of trust in the e-commerce market, as merchants assume all consumers may be potential returners, which can alienate honest customers [9][10] - The introduction of giant tags has created a dilemma for merchants, balancing the need to reduce returns while maintaining customer flow, as the negative shopping experience may lead to a decrease in conversion rates [10][12] Group 3 - To address the challenges posed by high return rates, the e-commerce market should consider implementing effective mechanisms and technologies, such as AI and big data, to improve return verification processes [12] - The integration of VR and AR technologies could enhance the online shopping experience, helping consumers better understand products before purchase, thereby reducing returns [12] - Exploring fairer return policies, such as tiered return shipping fees and encouraging consumer feedback, could foster better interactions between merchants and consumers [12]

Core Insights - The Shanghai International Cotton Trading Center (SICC) has signed a cooperation agreement with the School of Computer Science and Artificial Intelligence at Shanghai University of Finance and Economics to integrate artificial intelligence and big data technology into the commodity supply chain [1][3] - The collaboration aims to foster innovation in industry-academia-research cooperation and cultivate composite talents that meet industry needs, supporting the digital transformation of the real economy [1][3] Group 1 - The signing ceremony was hosted by the financial director of SICC, with key representatives from both organizations in attendance [3] - SICC, as the only spot trading platform for cotton, textile raw materials, and textiles in the Shanghai Free Trade Zone, is committed to a development strategy centered on trading services and supported by big data information [3] - SICC has been advancing digital transformation projects like the "Shangmian Data Chain" but faces challenges in AI model training and talent reserves, seeking deep cooperation with the university in four areas: talent co-training, joint research, resource sharing, and spiritual integration [3] Group 2 - The School of Computer Science and Artificial Intelligence at Shanghai University of Finance and Economics is a significant initiative aligned with the national strategy for technological advancement and has a strong research foundation in computer science and artificial intelligence [3] - The collaboration is expected to leverage research and talent advantages to jointly tackle areas such as big data analysis, large model application development, and intelligent risk control, aiding the digital upgrade of the real economy [3]

Core Insights - The article emphasizes the necessity for China's financial system to transition from a scale-oriented model to one focused on efficiency, driven by the need for high-quality economic development [4][5][6]. Group 1: Evolution of Production Factors - The shift from traditional production factors (land, labor, capital) to the recognition of data as a fifth production factor highlights the changing landscape of economic growth in the digital age [2][3]. - Data is now seen as a core element driving productivity leaps, surpassing traditional information [2]. Group 2: Role of AI and Digital Technology - The rapid advancement of AI, particularly large model technologies, is transforming financial services by enhancing decision-making and operational efficiency [3][9]. - AI systems are replacing or augmenting human capabilities in information processing and predictive analysis, acting as a new engine for productivity transformation [3][9]. Group 3: Financial Development Goals - The financial sector must prioritize efficiency over mere scale to avoid systemic risks and improve resource allocation, especially for small and innovative enterprises [4][5]. - Enhancing capital allocation efficiency is crucial for the financial system to effectively support entities with high innovation potential and market prospects [5][6]. Group 4: Implementation of Smart Technology - Utilizing big data technology can significantly reduce information asymmetry and enhance transparency within the financial system [7][8]. - AI applications are driving financial services towards greater automation and personalization, improving service quality and efficiency [8][9]. Group 5: Strategic Recommendations for Financial Innovation - China should adopt a top-level design approach to integrate smart finance into national financial development strategies, focusing on long-term planning and cross-departmental coordination [10][11]. - Strengthening digital infrastructure and core technology research is essential for overcoming key technological challenges and fostering innovation [11][12]. - Establishing a regulatory framework that balances innovation and risk management is vital for the sustainable development of smart finance [12].

Core Viewpoint - The article emphasizes the growing importance of algorithm registration risk and user rights protection in the context of rapid information development, highlighting the need for effective content identification and management systems to safeguard user interests [1][2]. Content Identification - Content identification is crucial as algorithm-generated content often lacks traceability regarding its source and authenticity. A scientific and reasonable content identification system is necessary, including information on content origin, algorithm characteristics, publication time, and review mechanisms to help users assess information reliability [1][2]. User Rights Protection - User rights protection is a multifaceted concern in algorithm application. Users often worry about privacy and data security when using algorithm-generated content. Strict data protection policies should be established to prevent information leakage, and users should have greater control over their personal information, enhancing trust and improving platform image [1][2]. Technological Solutions - The application of technological solutions is vital in addressing these issues. Advances in artificial intelligence and big data technologies enable more mature applications of algorithms in content generation and management. For instance, natural language processing can automate content review to identify potential misinformation, while blockchain technology offers solutions for content traceability and identification [2][5]. Industry Standards - The establishment of industry standards is an important step in risk prevention. Currently, there is a lack of unified standards and norms in the industry, leading to significant discrepancies in content identification and user rights protection across platforms. Enhanced communication and collaboration within the industry are necessary to develop a set of standards applicable to various platforms, improving overall industry standards and user experience [2][7]. Future Directions - Future developments in algorithm registration risk prevention and user rights protection will likely focus on several key areas: - Increased intelligence in content identification and risk prevention through real-time monitoring and algorithm analysis [5]. - Enhanced user participation in content management, allowing users to provide feedback and become active participants in information management [7]. - Cross-platform collaboration to create a more comprehensive content ecosystem, improving overall risk prevention capabilities through information sharing and resource integration [7]. Conclusion - The article concludes that while challenges exist in algorithm registration risk prevention and user rights protection, there are also significant opportunities. By establishing effective content identification mechanisms, strengthening user rights protection, leveraging advanced technologies, and promoting industry standards, a safer and more trustworthy digital environment can be created [7].

Core Viewpoint - The article emphasizes the importance of technological innovation in driving high-quality development of the marine economy, highlighting the implementation of a three-year action plan by the Beihai Bureau to enhance marine industry data mining capabilities and improve economic monitoring and evaluation [3][4]. Group 1: Technological Innovation and Data Integration - The Beihai Bureau has initiated a three-year action plan focused on technological innovation to support high-quality development in marine industries, resulting in significant achievements in integrating technology, industry, and business innovation [3]. - The project aims to overcome challenges in identifying and classifying marine economic activities by utilizing multi-source heterogeneous data and intelligent algorithms, transitioning from manual assessment to intelligent recognition [4][6]. - A dual-driven model of "external collection + internal governance" has been established to address data fragmentation, enhancing data coverage and real-time capabilities for effective marine economic monitoring [6][10]. Group 2: Data Mining and Quality Control - The marine industry data mining technology has developed a dual-track recognition mechanism with a "marine attribute feature word library" and a "marine national economic industry code library," facilitating efficient identification of marine economic activity units [8][9]. - A total of 1,440 feature words have been extracted to create the marine attribute feature word library, which aids in classifying marine-related industries and improving monitoring efficiency [9]. - Quality control measures have been implemented to ensure data accuracy, maintaining a model error rate below 1%, resulting in a comprehensive directory of over 3 million marine-related units across the country [10]. Group 3: Future Applications and Development - The article outlines plans to leverage digital technology for enhanced marine governance, aiming to improve decision-making capabilities and expand the application of marine economic big data for precise governance [13]. - A "1+4+N" visualization platform is being developed to support various service scenarios, enhancing the ability of marine enterprises to innovate and grow [12]. - Continuous updates to the marine attribute feature word library and the establishment of industry standards for data mining are planned to further improve data quality and usability [12].