Core Insights - The article discusses the innovative approach of Nanhsiu Rural Commercial Bank in Guangdong Province to provide financial services to rural farmers and enterprises by utilizing "small data" to support rural revitalization efforts [1][2][3] Group 1: Financial Services Innovation - Nanhsiu Rural Commercial Bank is leveraging "small data" such as moral character, customer reputation, and debt relationships to create a multidimensional loan application framework [1][2] - The bank has established a rural credit system based on "small data" by implementing a grid-based service model and conducting comprehensive credit assessments across 225 village committees, achieving a coverage rate of 95.33% [2] Group 2: Agricultural Support and Loan Distribution - The bank has tailored financial service solutions for the rice industry, providing 264 loans totaling 411 million yuan, contributing to Nanhsiu's status as a high-end rice supplier in the Guangdong-Hong Kong-Macao Greater Bay Area [3] - As of March 2025, the People's Bank of China, Shaoguan Branch, has facilitated the issuance of agricultural loans amounting to 1.805 billion yuan, representing 48.54% of the total loan amount, benefiting over 5,200 rural households [3]

Core Viewpoint - The transformation of Jiajiayue Group represents a significant shift in the retail industry, focusing on consumer-centric strategies and the use of "small data" to enhance shopping experiences and operational efficiency [1][9]. Group 1: Company Transformation - Jiajiayue has evolved from a small supermarket in Weihai to a comprehensive retail group with a focus on supply chain and multi-format operations, having gone public in 2016 [1]. - The company is undergoing a transformation from a "product-centric" to a "consumer-centric" approach, emphasizing understanding consumer preferences over merely competing on price [2][4]. - The introduction of a new store layout and various shopping scenarios aims to create a more enjoyable shopping experience for consumers [1][2]. Group 2: Data Utilization - Jiajiayue utilizes "small data" to analyze consumer behavior, creating a detailed database that allows stores to understand the demographics and preferences of customers within a 3-kilometer radius [3]. - The company has reported a 3% increase in store efficiency and a 2-day acceleration in inventory turnover due to enhanced data analytics [3]. Group 3: Supply Chain and Product Development - The procurement team at Jiajiayue has transitioned to "product officers," focusing on designing solutions that meet consumer needs rather than just negotiating prices [4][5]. - The company aims to balance quality and price by optimizing the supply chain, reducing costs through direct sourcing and customized production [5][7]. - Jiajiayue's self-branded and customized products accounted for 13.63% of sales in 2024, reflecting a shift towards "manufacturing retail" to enhance competitive differentiation [7]. Group 4: Market Opportunities - The ongoing international trade tensions have provided Jiajiayue with opportunities to expand its domestic market by introducing foreign products, with over 500 tons of foreign goods already launched [8]. - The company has engaged with over 200 foreign trade enterprises to facilitate the introduction of diverse products into the domestic market, leveraging its extensive store network [8]. Group 5: Industry Implications - Jiajiayue's transformation highlights a broader trend in the Chinese retail industry, where understanding consumer needs through "small data" is essential for driving growth in a competitive landscape [9].

作者 | 王启隆 出品｜《新程序员》 2025 年的AI 领域，似乎没有哪个词比"Agent"更炙手可热。从 OpenAI 的 Operator 到"第一个通用智能体"Manus 的出圈，"智能体元年"的呼声不绝 于耳，仿佛我们距离那个能自主理解、规划、执行任务的通用人工智能（AGI）只有一步之遥。 喧嚣之下，一些根本性的问题挥之不去：究竟何为 Agent？我们真正踏上了通往通用人工智能（AGI）的那条路吗？当前主流的、依赖海量数据和算力 堆砌起来的大模型路径，是否足以孕育出真正拥有理解力、自主性甚至"灵魂"的智能？ 当许多人沉浸在狂欢之时，全球知名人工智能科学家、北京通用人工智能研究院院长、北京大学人工智能研究院院长兼智能学院院长朱松纯教授，却在 疾呼一种不同的声音——当前许多所谓的Agent，可能连真正的"智能体"都算不上。 近日，《新程序员》在北京的一场围绕其新书《通用人工智能标准、评级、测试与架构》的媒体见面会上，采访了朱松纯教授。他的观点，或许能为我 们拨开Agent 的迷雾，提供一个审视 AGI 未来更深邃的视角。 《新程序员》： 朱院长您好，今年Agent 是个热词，很多人称 2025 年是"A ...