（来源：中华工商时报） 转自：中华工商时报 在黄海之滨的烟台，有一支来自鸢都潍坊的商界力量，在烟台这片热土上扎根成长、回馈社会——烟台 市潍坊商会，作为山东省烟台市民政局批准注册的第一家地市级商会，也是全国第一家异地潍坊商会， 12年来谱写了一篇异地商会高质量发展的生动乐章。 从2013年到2025年，十二载砥砺奋进，烟台市潍坊商会已拥有11个分会、200多家会员企业，连续五年 被评为全国"四好"商会，荣获"山东省工商联系统先进集体""烟台市十佳商会"等18项荣誉，架起了烟潍 两地经济文化交流的重要桥梁。 党建引领，筑牢商会发展根基 烟台市潍坊商会自2016年11月成立党总支以来，始终坚持以党建促会建，把党的建设融入商会治理各个 环节，为商会健康发展提供坚强政治保证。 商会党总支下设7个党支部，拥有51名党员，形成了完整的组织体系。商会创新实行领导班子与党总支 班子交叉任职机制，建立起"两个班子捆在一起抓，连在一起转"的工作模式，确保党建工作与商会发展 同频共振。 潍坊商会党总支与村党支部签订党建共建协议，共同组织学习交流，共同研究管理方法，共同商讨发展 的创新路径。2023年4月27日，一场特殊的"主题党日 ...

遇见小面(02408)涨近5%，截至发稿，涨4.71%，报4.45港元，成交额254.5万港元。 消息面上，据广州日报，12月29日，遇见小面全球第500家门店暨新加坡首店，在新加坡当地潮流商业 地标乌节路313@Somerset正式揭幕。据悉，遇见小面在新加坡的拓展步伐正持续加速，新加坡淡滨尼 广场店及其他门店也已在筹备中。 东吴证券指出，复盘公司历史，三大要素助力公司成功：锚定差异化高潜赛道，即川渝风味辣口食品； 较早推行标准化、数字化；率先跑通商场店模式。该行认为，中长期而言在外卖增量、新品类拉动、海 外优质门店并入、经营降本等多措并举下，同店有望迎来修复。 ...

证券时报记者黄钰霖 大财富管理不仅是连接资金端与资产端的关键枢纽，更是金融服务实体经济、实现普惠的重要载体。在 利率市场化深入推进、无风险收益率持续下行以及居民财富结构转型的多重背景下，如何回归本源，通 过专业能力为客户创造长期、稳健的价值，已成为银行等资管机构面临的核心议题。 近日，在"第十九届深圳国际金融博览会暨2025中国金融机构年会"分论坛"中国银行业年会"上，国信证 券经济研究所所长助理王剑主持主题为"做正确的事：共创大财富管理长期价值"的圆桌对话，农银理财 副总裁刘湘成、中银理财副总裁吴金梅、渣打北亚区首席投资策略总监郑子丰等展开了深入讨论。 他们表示，展望未来，全球化资产配置能力、数字化经营能力，以及专业的人才队伍将成为资管机构穿 越周期的"三驾马车"。 存款搬家趋势延续 近年来，中国居民财富总量持续快速增长，内部结构却迎来显著调整，"存款搬家"现象尤为突出——资 金正从传统银行储蓄向理财、基金及资本市场转移。这一趋势既是市场关注的焦点，更是大财富管理行 业发展的直接动力。 在与会嘉宾看来，存款搬家并非短期的市场脉冲，而是低利率环境下居民资产配置优化的必然结果。 刘湘成判断，当前"存款搬家"仍处 ...

Core Insights - The introduction of the "smart cafeteria" in Gujiao City Experimental Middle School has significantly improved the dining experience for students and parents, allowing for a cashless and cardless payment system through facial recognition technology [1][2] - The project has streamlined the dining process, reducing wait times and enhancing financial transparency for the school, with parents able to monitor their children's dining activities via a mobile app [2] Group 1 - The "smart cafeteria" system was implemented with the support of China Construction Bank (CCB), which tailored a comprehensive solution for the school after thorough research and communication [1] - The system has successfully reduced the time students spend queuing for meals, with the payment process now taking only a few seconds [2] - CCB has established a "smart cafeteria" ecosystem in Gujiao, with six units already operational and plans for further expansion in local schools [2] Group 2 - For schools that have not yet adopted the "smart cafeteria," CCB promotes its "Yue Life" payment platform, which has been successfully implemented in 27 units, reaching over 23,000 users [2] - Currently, the "smart cafeteria" and "Yue Life" payment services cover nearly 85% of schools in Gujiao, indicating a strong penetration of digital financial services in the region [2] - CCB aims to continue enhancing financial service quality in rural areas by leveraging digital solutions to meet diverse customer needs [2]

Core Insights - Cross-border payment is experiencing unprecedented development opportunities due to the acceleration of global economic and cultural exchanges [1][4] - The company, KERUYUN, integrates its "Smart Restaurant Management System" with UnionPay's new "Four-Party Model" to enhance cross-border payment convenience [1][4] - KERUYUN has become an important partner in expanding UnionPay's domestic acceptance ecosystem, serving over one million domestic restaurant merchants [1][2] Group 1 - KERUYUN's innovation extends beyond payment channels, integrating cross-border payment with its SaaS digital management system for the restaurant industry [2] - The company plans to launch "AI Five Intelligent Agents" by October 2025, which will enhance human-machine collaboration and smart upgrades in the restaurant sector [2] - UnionPay has established cross-border QR code interoperability in over 50 countries, creating a payment ecosystem that includes various daily consumption scenarios [4] Group 2 - The new "Four-Party Model" addresses technical standard fragmentation in cross-border payments and integrates "payment + scenario + data + intelligence" for a seamless user experience [4] - KERUYUN aims to continuously optimize its technology architecture and expand application scenarios, contributing to a sustainable global payment ecosystem [4] - The company is committed to promoting Chinese payment standards globally, realizing the vision of "borderless payment" [4]

Core Viewpoint - The rapid development of technology and the widespread adoption of internet technology are transforming the consumer market, leading to the emergence of new consumption concepts and methods. Digital operations, utilizing big data, cloud computing, and artificial intelligence, are becoming essential for businesses to enhance competitiveness [1][8]. Group 1: Digital Transformation and Business Model - Jiangping Wealthy Merchant Digital Service Platform aims to break the limitations of traditional e-commerce platforms, providing a fair, transparent, and efficient digital operating environment for merchants and consumers [1][3]. - The platform promotes a new consumption model that emphasizes partnership and shareholder concepts, creating a win-win situation among consumers, merchants, and the platform [1][6]. - The company has developed an independent app and e-commerce platform, achieving deep integration of online and offline sales networks across the country [3][5]. Group 2: Health Beverage Sector - Jiangping Wealthy Merchant has expanded into the health beverage sector, becoming the national operating center for Guoyao Tianhong Baicao Qi Yu 7+1 craft beer, which is enriched with various health-promoting ingredients [3][5]. - The beer is positioned as a health drink suitable for the Chinese market, combining traditional brewing techniques with modern health concepts, developed over eight years by a large research team [3][5]. Group 3: Supply Chain and Marketing Strategy - The company has established a strong raw material supply chain and built cloud warehouses for rapid nationwide delivery, enhancing consumer experience with convenient one-piece shipping [5][8]. - Jiangping Wealthy Merchant collaborates with numerous hotels and specialty beverage stores in key regions, employing direct market expansion strategies and recruiting over 100 agents to enhance distribution [5][6]. Group 4: Consumer Engagement and Investment Opportunities - The consumption partner system allows consumers to view spending as an investment opportunity, transforming traditional shopping habits and promoting wealth growth through consumption [6][8]. - The company aims to help small and medium-sized enterprises achieve digital transformation, addressing challenges in survival, sales, and development while fostering a new economic model [8].

Core Insights - The article highlights the increasing popularity of Dubai's culinary scene among Chinese tourists, driven by the introduction of the "Must-Eat List" by Dazhong Dianping, which has significantly boosted restaurant traffic and visibility for local eateries [1][2][3]. Group 1: Restaurant Performance and Impact - The restaurant Markette in Dubai has seen a rapid increase in performance, with comments related to "Dubai" cuisine growing by 506.95%, notes increasing by 452%, and search volume up by 80% [1]. - The inclusion in the "Must-Eat List" has been instrumental in attracting more Chinese tourists to various restaurants, with reported increases in customer traffic ranging from 30% to 50% for several establishments [6][7][8]. Group 2: Dazhong Dianping's Global Expansion - Dazhong Dianping is expanding its "Must-Eat List" globally, having established a team of over 50 people and launched services in more than 200 countries and 1,000 cities, with a focus on 100 key cities this year [2][8]. - The platform aims to enhance its information infrastructure to provide accurate and timely merchant information, leveraging AI for precise restaurant selection based on customer reviews [2][10]. Group 3: Cultural Exchange and Consumer Preferences - The initiative aims to bridge cultural gaps by promoting local cuisines that cater to Chinese tastes, reflecting a shift in preferences among younger Chinese travelers who are more open to exploring diverse culinary options [3][10]. - Dazhong Dianping's "Must-Eat List" not only serves as a guide for food but also facilitates a broader understanding of local cultures through culinary experiences [9][12]. Group 4: Future Developments and Investments - Dazhong Dianping plans to invest at least 3 billion in the next five years to upgrade its information infrastructure globally, ensuring accurate and timely local life information for users [10][11]. - The company is also looking to expand its services beyond dining to include shopping and leisure activities for Chinese tourists in Dubai [10][12].

Core Viewpoint - China Construction Bank's Qingdao Branch is committed to enhancing financial services to support local economic development and meet the needs of both individuals and enterprises, focusing on high-quality growth and community engagement [1][10]. Group 1: Financial Services and Talent Development - The Qingdao Branch prioritizes serving the real economy and enhancing financial service adaptability, competitiveness, and inclusivity through continuous optimization of products and risk control systems [2]. - The branch views talent as a vital resource, implementing systematic training to build a skilled and innovative financial service team, achieving notable success in industry competitions [2]. - The branch's sales of equity funds have become the highest among state-owned banks, with a more than 1500% year-on-year increase in effective clients for gold products, significantly improving customer service capabilities [2]. Group 2: Digital Transformation - Digital upgrades are crucial for improving service quality, with the branch leveraging big data and AI to enhance operational efficiency and customer experience [3]. - The branch won first place in the "CCB Cup" AI competition, showcasing its commitment to integrating technology into financial services [3]. Group 3: Consumer Support and Loan Services - The Qingdao Branch actively promotes consumer loans, implementing automatic interest subsidies to reduce financing costs for residents, with 35.23 billion yuan in personal consumer loans disbursed by 2025 [4][5]. - The branch has established a digital operating system for personal consumption loans, utilizing financial technology for precise customer analysis and extending business scenarios [5]. Group 4: Community Engagement and Cultural Initiatives - The branch integrates financial services with cultural initiatives, such as the "Expired Magazine Drift" project, enhancing community engagement and cultural dissemination [7]. - The "Smart Canteen" project exemplifies the branch's commitment to using technology to improve public services, significantly reducing waiting times for hospital dining [7]. Group 5: Support for SMEs and Innovation - The branch addresses the financing challenges faced by SMEs by introducing innovative products like "Shanxin Loan" and "e Credit," transforming intangible assets into tangible credit [8]. - Collaborations with companies like New Hope Liuhe demonstrate the branch's role in optimizing cash flow and supporting supply chain finance [8]. Group 6: Comprehensive Financial Support - The branch emphasizes long-term support for enterprises throughout their lifecycle, providing tailored financial solutions to address specific challenges [9]. - The issuance of green bonds for local manufacturers highlights the branch's commitment to sustainable development and innovation in financing [9]. Group 7: Future Outlook - The Qingdao Branch aims to continuously innovate financial products and service models to enhance service quality and contribute to the development of Qingdao as a modern international metropolis [10].

Core Viewpoint - The article highlights the launch of the upgraded versions of the Bank of Communications App and the "Buy Now" App, focusing on enhancing digital financial services and improving customer experience through innovative features and functionalities [2][4][29]. Group 1: Digital Transformation and Service Enhancement - The Bank of Communications has established a Digital Operations Center to explore the collaborative development of its mobile banking apps, aiming to enhance customer experience and service scenarios [4]. - The newly released App 10.0 versions emphasize the theme "Understanding Wealth, Enjoying Life," focusing on inclusivity, intelligence, and usability in financial services [4][29]. Group 2: Wealth Management Innovations - The App 10.0 introduces an AI assistant named "Little Deer," which utilizes semantic analysis and intent recognition to provide precise and convenient interactions for users [9]. - The "Active Money+" feature allows users to manage idle funds efficiently, offering access to over 100 money market funds and cash management products with a quick redemption limit of up to 1 million yuan per day [11]. - The app's new "Asset and Income Bill" functions provide users with visual insights into their asset structure and income changes, helping them identify potential investment opportunities [18]. Group 3: Cross-Border Financial Services - The App 10.0 includes a "Cross-Border Payment" feature that enables zero-fee remittances from mainland China to Hong Kong, with real-time processing and support for both RMB and HKD [13]. Group 4: Consumer Loan Services - The upgraded app offers an online personal consumption loan service with interest subsidies, allowing customers to apply for loans directly through the mobile platform [16]. Group 5: Lifestyle Integration and User Engagement - The app has launched a "Cultural and Tourism" service brand, providing personalized travel planning and promotional activities to enhance user engagement [19]. - The "Buy Now" App 10.0 version integrates discounts, installment options, and personalized services into daily consumption scenarios, making financial management more enjoyable [22]. - The app features a revamped "Daily Sign-In" activity, allowing users to win discounts and rewards, enhancing user interaction and satisfaction [23].

Core Viewpoint - Lakala Payment Co., Ltd. has submitted an application for listing on the Hong Kong Stock Exchange, with CITIC Securities International as the sole sponsor [1]. Company Overview - Lakala is a leading digital payment and digital business solutions provider in Asia, leveraging technologies such as big data, blockchain, and artificial intelligence to create a comprehensive digital operating service system for small and medium-sized merchants and industry clients [3][4]. - The company holds a prominent market position in China's digital payment sector, with a projected total payment volume exceeding RMB 4 trillion in 2024, capturing a market share of 9.4% among independent digital payment service providers [3][4]. Market Position - In 2024, Lakala is expected to rank first among independent digital payment service providers in Asia, with a market share of 1.1% in total payment volume [4]. - The company is also the largest independent digital payment service provider in China's comprehensive acquiring market, with a market share of 11.7%, and in the QR code acquiring market, with a market share of 9.3% [4]. Financial Performance - For the six months ending June 30, 2022, 2023, 2024, and 2025, the company reported revenues of approximately RMB 5.36 billion, RMB 5.93 billion, RMB 5.75 billion, and RMB 2.65 billion, respectively [6][7]. - The net profit/loss for the same periods was approximately -RMB 1.44 billion, RMB 457 million, RMB 351 million, and RMB 229 million, respectively [6][7].