年末正值消费高峰，商家促销力度和形式更加多样。省消协提醒消费者，在购物时结合自身需求， 优先选择资质齐全、口碑良好的商超及电商平台，面对优惠打折活动，要认真了解规则详情，谨防优惠 陷阱。 注意保留消费凭据和合同。当发现商家有损害消费者合法权益行为时，及时拨打12345、12315热线 或者在"全国消协智慧315"小程序进行投诉，维护自身权益。 适度合理充值，谨防预付诱惑。消费者要注意辨别商家销售人员宣传满减、赠送折扣券等促销活 动，仔细确认优惠卡券的使用范围和期限等附加限制条件；谨慎办理一次性充值金额过高、时间跨度过 长的预付服务，充值前需要了解商家的经营状况、口碑信誉等信息，可在体验认可服务后再预付缴费， 并与商家签订书面合同，明确商品或服务的使用期限、违约后果等内容。 积分清零时间需关注。每到年底，不少商家推出的积分清零活动总会引发一阵兑换热潮，许多消费 者容易忽略自己积累的积分，提醒消费者提前查看积分余额并及时兑换，注意有效期（部分按获取月份 计算）。 ...

在"国补"政策倒计时与冬季消费旺季的双重驱动下，双十二大促成为全年消费收官战的关键战场。国家 统计局数据显示，2025年第四批690亿元"以旧换新"补贴已下达各地，叠加年末居民消费意愿提升，家 电、数码、汽车等大宗消费需求持续释放。广发信用卡精准把握消费节点，整合多元消费场景推出系列 优惠活动，以金融力量助推年末消费市场热度。 信用卡多重分期优惠加码年度消费冲刺 多元暖心礼遇促动冰雪经济 除了大额消费，日常生活中的"小确幸"同样值得关注。双十二期间，广发信用卡的"超级刷刷刷"活动让 日常消费充满惊喜，用户只需每天单笔消费满18元、88元或188元，即可凭借8积分领取积分、消费金、 商城券、旅游券等小福利，更有机会赢取高至万元金牌。无论是线上下单暖冬咖啡，还是入手御寒衣 物，每次消费都可能邂逅意外之喜，让平凡日常闪耀光彩。 岁末商旅计划也在悄然升温。随着冰雪旅游季的到来，长白山、哈尔滨等目的地热度攀升。广发信用卡 适时推出"冬季限定，畅快滑雪"主题活动，覆盖长白山等多个热门滑雪胜地，为冰雪爱好者送上专属福 利。对于自驾出行的客户，发现精彩APP车主专区整合加油、洗车、充电、停车等一站式优惠服务，让 旅途更省心、 ...

Economic Resilience - China's economy is expected to maintain resilience towards the end of the year, despite export growth facing temporary pressure due to weak external demand and high base effects [1] - Infrastructure investment is gaining momentum as local governments actively push project construction and allocate new funds [1] Infrastructure Investment - Major construction projects are entering a "sprint phase," with significant projects like the Dalian Changhai Bridge receiving 790 million yuan in new policy financing support [2] - Various regions, including Jiangsu and Guangxi, are holding mobilization meetings to accelerate major project construction, emphasizing the need for rapid project advancement [2] - A total of 500 billion yuan in new policy financing tools has been quickly allocated in October, which is expected to improve fixed asset investment and boost local investment willingness [2] Construction Activity Indicators - The "excavator index," a leading indicator for infrastructure construction, showed a recovery in October, with excavator sales increasing by 7.77% year-on-year [3] - However, high-frequency data for November indicates a general decline in demand for construction materials like rebar and cement [3] Export Challenges - The Shanghai Export Container Freight Index fell by 3.6%, reflecting weak external demand and the impact of base effects from last year's export surge [4] - The forecast for North American import growth is low, with an expected annual growth rate of only 1.6% from 2025 to 2026, the lowest among global regions [4] - Despite easing trade tensions between China and the U.S., the export growth may be supported by China's direct investment in Africa and Latin America [4] Consumer Market Activity - The recent "Double 11" shopping festival has energized year-end consumption efforts, with the Ministry of Commerce launching a nationwide consumption promotion campaign [5] - Local governments are implementing various promotional activities, including consumption vouchers and trade-in policies, to stimulate consumer spending [6] - The winter tourism and ice-snow economy are gaining traction, with significant increases in related content and planned distribution of consumption vouchers in regions like Jilin [6]