Core Viewpoint - The announcement by Qilu Bank highlights the prevalence of illegal financial activities disguised as "high returns, low risk" in the booming financial consumer market, urging consumers to enhance their risk awareness and ability to identify and resist such illegal activities [1][6]. Group 1: Identification of Risks in Financial Consumption - Five major financial consumption areas are identified where illegal activities are prevalent, including: - **Private Investment Intermediaries**: Unapproved financial companies and platforms use popular concepts like "new energy" and "blockchain" to create fictitious investment projects, leading to significant financial losses for consumers [1]. - **Elderly Care Sector**: Scammers exploit the information asymmetry and lower risk awareness of the elderly, promising high returns through schemes like "retirement financial products" and "housing for elderly care," often resulting in fund misappropriation [2]. - **Agricultural Sector**: In rural areas, illegal financial activities appear under the guise of "agricultural cooperatives" and "poverty alleviation projects," targeting farmers' lack of financial knowledge and promising high returns [3]. - **Retail Market**: Some merchants lure consumers with "prepaid card rebates" and "shopping returns," leading to significant financial losses when businesses suddenly close [4]. - **Cultural and Tourism Sector**: Fraudsters use concepts like "tourism real estate" and "cultural digital currency" to package illegal fundraising projects, making it difficult for ordinary consumers to discern legitimacy [5]. Group 2: Consumer Protection Strategies - Four key strategies are recommended for consumers to enhance their self-protection: - **Maintain Rationality**: Consumers should reject offers of "high returns" and be cautious of promises like "capital preservation with high returns," as these often violate financial principles [4]. - **Verify Licensed Operations**: It is crucial for consumers to verify the qualifications of financial service providers and choose those with proper licenses issued by regulatory authorities [5]. - **Avoid Illegal Lending Channels**: Consumers are advised to refrain from clicking on unknown links or transferring money to unfamiliar accounts to avoid falling into illegal lending traps [5]. - **Strengthen Evidence Awareness**: Consumers should keep thorough records of transactions and evidence in case of suspected illegal financial activities, and report any losses to the authorities promptly [5].

Core Viewpoint - The recent public disclosure of prepaid store lists and lease expiration dates in a large shopping mall in Hangzhou's West Lake District has sparked online discussions, with most netizens supporting the move to prevent consumer pitfalls in prepaid services [1][2]. Group 1: Public Disclosure of Prepaid Stores - The shopping mall has publicly listed all prepaid tenants, categorized by types such as educational training and beauty services, including details like store names, locations, and lease expiration dates [3][4]. - Consumers have expressed support for this initiative, citing previous experiences of being notified of store relocations shortly after making prepaid purchases [5]. Group 2: Impact on Businesses - Store representatives indicated that the public disclosure has had little to no impact on their operations, as many prepaid customers are long-term clients who trust the businesses [5]. - The staff from a sports training institution mentioned that they would not have agreed to the public listing if it were detrimental to their business [5]. Group 3: Regulatory Context - The public listing of prepaid businesses appears to be a voluntary action by the shopping mall rather than a mandated regulation from the local business department [6]. - The local business department encourages malls to monitor prepaid practices to protect consumer rights but has not enforced any specific regulations regarding public disclosures [6]. Group 4: Consumer Precautions - Consumers are advised to verify business credentials through official channels before making prepaid purchases, and to be cautious of businesses with short operating periods or frequent promotions [7]. - It is recommended that consumers insist on written agreements detailing service content, refund policies, and liabilities, while also being wary of terms that favor the business [7].

卡还在，但店没了……近年来，不少消费者在美容美发、健身年卡、教培机构充值等预付式消费场景中频 频踩雷。近日，杭州一名网友发帖称，杭州西湖区某大型商场公示了该商场内所有预付费店铺名单及店铺 租赁合同到期时间，以提醒消费者预付式的消费风险。此举引发网络热议。部分网友点赞称，这一定程度 上能避免大众充值踩坑；也有人质疑，公开店铺租赁到期时间会不会影响商家经营。7月3日，西湖区市场 监督管理局回应上游新闻（报料邮箱：baoliaosy@163.com）记者称，这属于商场自发行为，市监局没有强 行要求。 | 教培类预付卡租户清单 | | | | | | --- | --- | --- | --- | --- | | 教培报课付款请家长认准安心付或第三方监管账户 | | | | | | 店铺位置 | 店铺名称 | 当前合同到期日 | 营业执照经营主体 | | | A-3F-22 | 100 100 | 2025/1 | 杭州 | 有限公司 | | A-3F-10 | | 2025/ | 杭州 | 有限公司 | | A-3F-06 | | 2026 | 杭州- | 有限公司 | | A-3F-29 | | 2026 | 杭 ...

二是警惕话术诱导陷阱。私域直播间常通过封闭场景实施情感营销，如以"亲情关怀""健康咨询""专家 讲座"等名义，违规使用"包治百病""根治慢性病""替代药物治疗"等用语，或通过宣称"专家推荐""祖传 秘方"等进行虚假权威背书，利用"限时秒杀""最后优惠"制造消费焦虑，或以"无效退款""无毒副作用"等 承诺欺骗消费者。 三是警惕资质信息盲区。购买产品前应查验直播间是否公示营业执照、食品经营许可证或药品经营许可 证，核查保健食品是否标注"蓝帽子"标志及批准文号，核查药品是否具备"国药准字"批号（可通过国家 药品监管局官网查询https://www.nmpa.gov.cn）。 四是选择正规平台进行消费。购买商品或服务时，建议选择信誉良好、资质齐全的正规平台和商家进行 消费，警惕通过拉群进私域直播间、临时链接等非正规渠道进行交易。交易时注意保存直播录屏、商品 链接、支付凭证、客服聊天记录等信息，要求开具正规发票或者收据。签收易碎、贵重物品时，需当场 查验外观及基本功能，必要时全程录像。 五是依法维护自身权益。保健食品仅具调节机体功能，不能替代药物治疗疾病；身体不适请至正规医疗 机构就诊，勿因轻信直播宣传延误治疗。如果发 ...

市场监管总局和中消协发布消费提示 直播间购物时警惕这几点 智通财经5月9日电，市场监管总局和中国消费者协会今天（5月9日）联合发布直播带货消费提示，提醒 消费者科学认知、理性消费，帮助广大消费者规避消费风险，维护自身权益。 网络直播带货作为一种新兴消费模式快速发展，在为消费者提供便利的同时，也出现了虚假宣传、商品 质量参差不齐、售后服务缺失等问题。 市场监管总局和中国消费者协会提示，消费者通过直播平台选购商品要注意： 一是选择正规直播平台购物。选择信誉良好、资质齐全、消费者评价较高的正规平台进行消费，核实商 家的营业执照、经营资质等信息，确保其合法合规。警惕通过个人社交账号、临时链接等非正规渠道进 行的交易，不要轻信和点击来源不明的购物链接。建议全程在直播平台内置购物系统完成交易，切勿脱 离平台进行私下转账交易。 二是理性对待直播营销话术。警惕"全网最低价""限量秒杀""5秒下链接"等宣传，通过第三方比价工具 核实历史价格，谨防虚构原价陷阱。不轻信"百分百正品""特效保证"等绝对化承诺，要求主播出示商品 检测报告、授权证书等证明文件。注意识别"刷单炒信"行为，综合查看商品详情页参数、用户真实评价 等多维度信息 ...

证 券 研 究 报 告 美国进口需求对全球贸易增速至关重要，关税对美国内需的冲击或是当前全 球经济最大的β风险。一方面，美国在国际贸易中的占比较高：美国占全球进 口（剔除欧盟内部）的 16%（2023 年数据），美国进口最终消费品占全球最终 消费品进口总额的约 1/3，美国贸易逆差占全球贸易逆差总额的 5-6 成。另一 方面，美国进口与全球进口正相关→进而影响中国出口。如果关税对美国进口 形成较大冲击，或将传导至全球贸易需求的收缩。 考虑到过去 30 年美国进口同比增速低于-5%的时间仅有 3 次，分别为 2001 年 （-6.3%）2009 年（-25.9%）、2020 年（-6.4%），均为经济衰退期，因此今年美 国进口增速如果负增长 5%以上，对全球经济的压力会比较大。因此需要高度 关注美国经济、特别是进口今年受关税影响的下行风险。 宏观研究 宏观快评 2025 年 05 月 08 日 【宏观快评】 美国经济的上行 or 下行风险有哪些？ ——美国一季度 GDP 点评 事 项 2025Q1 美国 GDP 超预期下行，GDP 环比折年率-0.3%，预期-0.2%，前值+2.4%； GDP 同比+2.1%， ...