而随着高端生鲜需求不断扩大，用户对食材风味、口感也有了更高要求。对此，海尔冰箱联合中科院， 历时5年、经过超10000次实验研发，创新出"磁控全空间保鲜科技"，达到了冷鲜肉放冷藏10天红嫩鲜 香，深海鱼虾放冷冻60天新鲜如初的效果。 来源：环球网 【环球网科技综合报道】9月26日，在海尔麦浪冰箱9系新品发布会上，海尔集团副总裁、制冷产业总经 理吴勇道出了答案："我们只是做了一件事，就是听劝。" "听劝"不仅是捕捉用户需求，更是让用户成为麦浪冰箱的设计师。这一共创故事始于2024年底，在数字 化转型战略指导下，海尔冰箱通过自研AI交互平台链接百万用户，精准锁定"传统冰箱难融于暖色家 装"的痛点。随后，研发团队远赴江布拉克采集4000多组自然色，最终由用户投票选定"日出麦浪色"作 为主色，"麦浪"之名也由此而来。 此前，通过原创的阻氧干湿分储、冷冻智能恒温科技，海尔冰箱率先实现了果蔬存储7天堪比第一天， 珍品干货9个月营养如初、冻肉存30天仍原汁原味，达到"一级健康保鲜效果"。 此外，海尔麦浪冰箱新品外观升级为动态渐变面板，呈现风吹麦浪的视觉律动，结合594mm专业超薄 零嵌科技，能够完美融于不同家居风格。体验官 ...

Core Insights - Qilu Bank reported a revenue of 6.782 billion yuan and a net profit attributable to shareholders of 2.734 billion yuan for the first half of the year, with year-on-year growth rates of 5.76% and 16.48% respectively [1] - The bank's asset quality remained stable, with a non-performing loan ratio decreasing by 0.1 percentage points to 1.09% and a provision coverage ratio increasing by 20.86 percentage points to 343.24% [1] Financial Performance - The bank maintained a double-digit profit growth due to synchronized growth in both interest and non-interest income [4] - Net interest income reached 4.998 billion yuan, a year-on-year increase of 13.57%, while net fee and commission income was 817 million yuan, also up by 13.64% [5] - The net interest margin stabilized and rebounded, with a reported figure of 1.47% in Q1 2025, slightly above the average for city commercial banks [5] Strategic Initiatives - Qilu Bank has implemented a digital transformation strategy and a three-year development plan, achieving positive results [2] - The bank's credit business has shown significant recovery, attributed to its strategic focus on county-level financial services, which is considered a key growth driver [5] - As of the end of 2024, deposits and loans in county branches increased by 16.87% and 15.49% respectively, with the number of county customers reaching 2.2451 million, a growth of 13.05% [5] Market Position - The bank's village and town banking development is progressing well, with plans to expand its influence from Shandong to Tianjin, Henan, and Hebei [6]

Core Viewpoint - Qingnong Commercial Bank has successfully improved its retail loan ratio and loan quality management despite a general decline in the banking industry's retail loan proportion, primarily by focusing on loans to small and micro enterprises and individual business owners [1][10]. Group 1: Loan Quality Management - As of the end of 2024, Qingnong Commercial Bank's non-performing loan (NPL) ratio was 1.79%, slightly decreasing to 1.77% by the end of Q1 2025, indicating a significant improvement over the past two years with a cumulative decline of 0.4 percentage points [2][4]. - The bank has implemented a "three-in-one" approval mechanism and risk management strategies to control new risk loans and enhance the quality of new credit [4][12]. - The bank's NPLs were primarily accumulated in 2021 and 2022, largely due to stricter classification standards and challenges in the real estate sector [4][5]. Group 2: Retail Loan Strategy - Qingnong Commercial Bank's retail loan proportion has increased against the trend in the banking sector, with a focus on personal operating loans and consumer loans to offset the decline in housing loans [1][10]. - The bank's personal loans and advances reached nearly 80 billion yuan by the end of 2024, growing nearly 7% year-on-year, driven by increased lending to small and micro enterprises [10][11]. - The bank has established a personal credit department and a financial inclusion department to enhance its retail business strategy and improve loan product offerings [10][11]. Group 3: Financial Performance - In 2024, Qingnong Commercial Bank reported operating income of 11.033 billion yuan, a year-on-year increase of 6.85%, and a net profit attributable to shareholders of 2.856 billion yuan, up 11.24% [1]. - The growth in revenue was primarily attributed to non-interest income, as net interest income saw a decline [1].

值得注意的是，董事张轩宁在3月17日召开的董事会上对成立改革领导小组的议案投了反对票，理由是：当前高级管理议案中，未涉及CEO安排，这令人 深感忧虑。在董事兼CEO李松峰任职期间，他展现出了非凡的领导才能与卓越的战略眼光。他带领团队深入学习胖东来模式，并成功在全国推广永辉品质 零售店。当下，公司已成功走出转型期，正处于产出最大化的关键阶段，同时也是数字化转型战略落地的收获期。在这一重要历史节点，战略规划的稳步 推进对公司未来发展起着决定性作用。 3月17日晚间，永辉超市公告称，为加快公司改革转型步伐，公司拟正式成立改革领导小组，统领公司改革转型工作；改革领导小组组长为叶国富；成员 为王守诚、罗雯霞、林红东、曾凤荣、吴凯之、甘旺亨、张卫东、朱静、刘少强。 此外，永辉超市还公告称，2025年第一次临时股东大会中，关于换届选举第六届董事会非独立董事的议案，李松峰得票未达到出席会议有效表决权的比 例，未能当选。其他候选人均获通过。 从身份上看，叶国富为名创优品创始人兼CEO，张靖京为名创优品首席财务官。而王永平则是名创优品独立非执行董事、全联房地产商会商业地产工作 委员会会长，其也曾在南极电商等多家公司担任独立董事。 ...