来源：国际金融报 保险公司分支机构持续"瘦身"。 2026年伊始，金融监管总局官网发布多则批复，同意撤销中国人寿、太平人寿、英大泰和人寿、人保财 险、大地财险等保险公司的40余家分支机构。 而这只是当前保险业"瘦身潮"的冰山一角。《国际金融报》记者据金融监管总局保险许可证查询信息统 计，2025年共有3156家保险公司分支机构退出，创下近六年新高。 面向2026年，业内人士指出，在降本增效的核心诉求和"报行合一"等政策持续作用下，这一优化调整趋 势预计仍将延续，但步伐可能从集中清理过渡为更常态化的精细调整。 据记者统计，2020年，有971家保险公司分支机构退出历史舞台；2021年，这一数字陡然攀升至2197 家；2022年进一步增至2966家；2023年略有回落，关停的分支机构数量降至2065家；2024年，共有2013 家分支机构退出市场，仍保持在相对高位。 步入2025年，这股"瘦身潮"仍在保险业内席卷，全年共有3156家分支机构离场，创下近年新高。其中， 人身险公司分支机构2297家，占比72.78%；财产险公司分支机构859家，占比27.22%。 谈及保险公司分支机构持续清退的原因，北京排排网保险代 ...

Core Insights - The article emphasizes the role of consumption as a fundamental driver of economic growth, highlighting a joint implementation plan by six departments to enhance the adaptability of supply and demand in consumer goods, aiming to cultivate new consumption scenarios and business formats [1] Group 1: Transformation and Strategy - Haining China Leather City has transformed from a single leather trading market to a "full-category fashion source," aligning with the policy's goal of enhancing core business district capabilities [2] - The center now encompasses a diverse product matrix, including leather, fur, cashmere, down, and seasonal fashion, consolidating approximately 90% of the country's leather jacket production capacity and over 60% of new leather design [2] - Haining has created a strong industrial cluster effect by seamlessly integrating design, production, exhibition, and live streaming across the entire industry chain, positioning itself as a "first-release center" encouraged by policy [2] Group 2: Globalization and International Cooperation - Haining Leather City is actively pursuing a globalization strategy, as outlined in the implementation plan, by establishing international partnerships and participating in global fashion networks [3] - In September 2025, Haining's chairman led a delegation to Europe, forming strategic collaborations with top leather exhibitions in Milan and luxury marketing institutions in Paris to facilitate resource exchange between Asia and Europe [3] - This marks a shift from merely exporting products to proactively building a global fashion cooperation network and engaging in international dialogue on rules [3] Group 3: Cultural Experience and Consumer Engagement - Haining Leather City is elevating its industry value from commercial transactions to cultural experiences, aligning with the trend of consumer demand for emotional resonance and cultural identity [4] - The integration of "leather + cultural tourism" is being promoted, with government initiatives connecting Haining Leather City to cultural landmarks, creating themed tourism routes [4] - The market features immersive experiences where visitors can create leather goods, blending shopping with cultural engagement, thus transforming one-time purchases into memorable experiences [4] Group 4: Comprehensive Development and Future Vision - Haining Leather City is not just a passive follower but a proactive leader in the transformation of the leather industry, supported by a full industry chain and innovative digital systems [5] - The company aims to expand its consumer reach through an online and offline integration matrix and foster global cooperation to open up international markets [5] - The strategic focus on cultural integration enhances the intrinsic value of consumer experiences, positioning Haining Leather City as a global fashion consumption landmark that leads autumn and winter fashion trends [5]

Core Viewpoint - The offline expansion of e-commerce giants JD and Tmall is reshaping the landscape of China's home appliance retail market, driven by the "trade-in" policy and upgraded consumer demand, but challenges remain in avoiding the pitfalls faced by traditional retailers [1][6]. Offline Layout: Two Rapid Paths - JD MALL opened four stores in a single month, while Tmall's digital stores have surpassed 14,000 nationwide, indicating a strong push into offline retail [1][3]. - Tmall's strategy began with rural areas and has now accelerated into first- and second-tier cities, while JD MALL started in core cities and is expanding rapidly [3][4]. Factors Driving Offline Expansion - E-commerce platforms face a bottleneck in online traffic, necessitating a search for new consumers offline [6]. - The e-commerce penetration rate is declining, with 2024's rate expected to drop to 26.8% from 27.6% in 2023, indicating a need for offline engagement [6]. - The "trade-in" policy has been enhanced, with a significant fund injection and an expansion of subsidized categories, making offline stores crucial for policy implementation [6]. User Competition Era - The home appliance market has entered a "user competition era," where a single channel cannot meet the full-cycle needs of consumers [7]. - The integration of online convenience and offline experience is becoming essential for retail success [7]. Supply Chain and Digitalization as Solutions - To avoid the mistakes of traditional retailers, e-commerce giants are upgrading their supply chains and focusing on digitalization [10][11]. - JD MALL employs a direct sourcing model to reduce costs and enhance price competitiveness, while Tmall focuses on refined operations and service improvement [10][11]. - Digitalization is seen as a core competitive advantage for offline stores, enabling better data integration and customer engagement [11]. Changing Consumer Behavior - Retail has shifted from merely acquiring online traffic to getting closer to consumers, emphasizing speed, certainty, and convenience in purchasing decisions [8].

Core Insights - The event "2025 Nanjing Urban Circle Supply and Marketing Fair" was held from September 26 to 28, aimed at boosting agricultural product consumption in urban areas and celebrating the harvest season [1][2] - The fair featured 160 booths showcasing local specialties and non-heritage foods from ten cities including Nanjing, Changzhou, and others, as well as products from regions like Xinjiang and Hunan [1][2] - The event integrated sports elements, attracting fans with live broadcasts of matches and offering exclusive benefits for ticket holders, enhancing the shopping experience [2] Group 1: Event Overview - The fair was organized by the Jiangsu Provincial Supply and Marketing Cooperative and other local entities, focusing on the theme of celebrating the harvest and promoting urban consumption [1] - Featured products included high-quality local specialties such as the Geographical Indication protected crab from Gucheng Lake and various traditional foods from the Jiangsu and Anhui regions [1][2] Group 2: Consumer Engagement - The event attracted a large number of visitors, with special promotions like "direct supply prices" for seasonal fruits and vegetables, making it more accessible for consumers [2] - Cultural performances and entertainment were provided by local art groups, enhancing the overall experience for attendees [2][3] Group 3: Economic Impact - The fair served as a platform for connecting farmers, cooperatives, and markets, contributing to agricultural collaboration and rural revitalization efforts [3] - Future plans include integrating online and offline sales models to facilitate direct access for consumers to fresh agricultural products, ultimately benefiting farmers and consumers alike [3]

Core Viewpoint - The strategic partnership between Huitongda Network and Zhangmen Media Group aims to enhance brand development, product innovation, and channel integration through the establishment of Henan Zhanghui Supply Chain Management Co., Ltd [2][4][6] Group 1: Company Overview - Zhangmen Media Group has over a decade of experience in advertising marketing services and online brand operations, positioning itself as a leader in internet content production and management [4] - The group has successfully transformed from Jiangsu Zhangmen Network Technology Co., Ltd into one of the first full-domain MCNs in China, holding a leading position in the internet content sector [4] - It operates over 20 established self-owned brands across six core areas, including cosmetics, apparel, food and beverage, pet products, and home appliances [4] Group 2: Strategic Collaboration - The partnership is seen as a crucial element in Huitongda's self-owned brand strategy, with significant potential for collaboration in product development, advertising, and brand co-creation [6] - Huitongda Network has built a strong foundation in the lower-tier market over the past decade, aiming to leverage this partnership for mutual empowerment and enhanced efficiency in product and service distribution [6] - The establishment of Henan Zhanghui Supply Chain Management Co., Ltd represents a tangible outcome of the strategic collaboration, focusing on innovative supply chain models in the new retail environment [6]