从油车到电车，从机械到智能，再到如今的"数据驱动汽车"，每一辆车，都正在被重新定义。而在这场 升级里，汽车金融、汽车保险、汽车服务，也到了彻底重做一遍的时候。 让"交易-金融-服务"三端重新连起来，金融壹账通正式推出「车生态平台」。 简单说，这是一个把车主服务、车险、车贷、车后全部串起来的"一站式智能车生态底座"。但它真正的 意义，不是做一个平台，而是重做行业的技术栈：让车贷审批不再依赖人工，车险核保与定价更精准， 车主洗车、保养、充电等服务真正线上化，同时让车企、经销商、保险公司、银行……在同一套系统协 同，打通多角色之间的信息流与资金流，构建端到端的服务闭环。让一辆车从卖出去，到用起来，到服 务好，都能跑在同一条"智能链路"上。 • 智能风控：本地化建模，覆盖贷前—贷中—贷后全流程 • 保险科技：自动核保、智能定价、自动理赔、反欺诈、反渗漏 • 车联网：对接主流车载设备，实时监测车辆状态与驾驶行为 • 自动化运营：合同签署、资方对接、放款管理、客服全流程自动化 不是从零起步，而是把车险与车后服务能力，打包成可出海的技术基础设施。 打通全流程 「车生态平台」第一件事，就是做全流程系统化设计：线上车商城、一/ ...

Group 1: Electric Vehicle Forum Insights - The 2025 Electric Vehicle Forum featured prominent speakers including industry leaders from various companies, emphasizing the rapid transformation towards smart vehicles [2][4] - Key highlights included Wang Chuanfu's statement on the swift transition from feature phones to smart devices, indicating a similar shift in the automotive industry [4] - Zhang Yaqin described 2025 as the "ChatGPT moment for autonomous driving," suggesting significant advancements in this area [4] Group 2: Gold Repurchase Business Expansion - Banks are accelerating their gold repurchase business, including both branded and "civilian" gold, to meet customer demand for liquidating physical gold [6] - Industrial and Commercial Bank of China (ICBC) has set specific repurchase price differences based on gold purity, with a repurchase price difference of 4 yuan per gram for ICBC branded gold and 10 yuan per gram for non-ICBC products [6] - The gold repurchase business is seen as a way for banks to enhance revenue and meet customer asset allocation needs, especially during economic downturns [6] Group 3: Performance of Major Banks - The six major state-owned banks reported a combined net profit exceeding 1.4 trillion yuan for 2024, with total dividends expected to surpass 420 billion yuan [6][13] - The performance indicates steady growth in total assets and a robust financial position across the banking sector [6] Group 4: Insurance Sector Performance - The five major listed insurance companies in A-shares reported a total net profit of 347.6 billion yuan for 2024, marking a significant increase of 77.7% year-on-year [7] - China Life Insurance achieved its highest annual net profit on record, reflecting strong performance in the insurance sector [7] Group 5: Management Changes at Kobayashi Pharmaceutical - Kobayashi Pharmaceutical announced a new management structure aimed at prioritizing quality and safety in production, with a focus on restoring confidence in the company [9] - The appointment of a new president and several board members was approved during the shareholders' meeting, although a proposal for external directors to chair high-level meetings was rejected [9]