余剑介绍，2024年以来，人民银行牵头携手相关部门，不断健全金融"五篇大文章"政策框架和服务体 系，建立金融"五篇大文章"统计和评估机制，建设信贷市场综合业务管理系统，形成政策"实施-评估-优 化"动态闭环，相关工作取得显著成效。 余剑透露，从发展成效的统计数据来看，重点领域贷款保持持续较快增长，在全部贷款中的比重不断提 升。截至2025年8月末，金融"五篇大文章"贷款余额105.6万亿元，占各项贷款的比重达到38.7%，同比 增长13.2%，增速比各项贷款平均增速高6.6个百分点；其中科技、绿色、普惠、养老产业、数字经济产 业贷款余额分别同比增长12.1%、23.8%、10.8%、52%、12.5%，明显高于各项贷款平均增速。 11月22日，由南方财经全媒体集团指导、21世纪经济报道主办的"第二十届21世纪金融年会"在北京盛大 召开。在上午的主论坛上，中国人民银行信贷市场司副司长余剑以"做好金融'五篇大文章'，赋能高质 量发展"为题发表演讲。 余剑表示，当前我国经济进入高质量发展阶段，科技、绿色、普惠、养老、数字五大领域成为经济转型 升级的重点方向。做好金融"五篇大文章"既是金融服务实体经济高质量发展的重要 ...

第四届绿色复合材料论坛 11月30日 浙江·杭州 复合材料产业向 绿色、低碳、可持续转型是必然趋势。第四届绿色复合材料论坛，以"绿色复合，创新未来"为主题， 聚焦纤维与 树脂 、复合技术、下游应 用 三大内容 ，搭建产学研用交流平台，推动绿色复合材料的技术突破与产业融合。 码 上 报 名 01 参会通知 注册/签到 11月29日 ：12:00-20:00 签到领取： 会议手册、 参会证、餐饮券等。 论坛地址 杭州拱墅开元名庭酒店 (万达广场店) 杭州市拱墅区石祥路389号 （ 请 点击 下方跳转 ） 交通路线 1、杭州萧山国际机场-会议酒店 ： ①直接打车：约60元，1小时（ 约40.5km ）； ②地铁：（萧山国际机场B口）-（ 19号线 ）- 沈塘桥 （A口）-（ 打车 ）-会议酒店（约35元，共1小时15分钟）； 2、杭州东站-会议酒店 ： 建议直接打车： 约30元，30分钟 （ 约15km ）； 酒店住宿 1、会议酒店 ： 杭州拱墅开元名庭酒店 (万达广场店) （联系人：李经理 13023659981 ） 2、周边酒店推荐 ： 开元美途酒店 （ 联系人： 李经理：19106791810） 距离会议酒店 ...

地方政府与城投企业债务风险 研究报告－陕西篇 联合资信 公用评级三部 |崔竞元|王相尹 www.lhratings.com 研究报告 1 报告概要 陕西省区位优势突出，文旅资源丰富，交通和矿产资源优势明显。2024 年，陕西省经济总量 和人均 GDP 处于全国中游水平。从财政实力及债务情况来看，陕西省一般公共预算收入位居全 国 15 位，财税质量良好，整体财政自给水平偏弱；政府性基金收入延续下降趋势；上级补助收入 对综合财力的贡献度在四成左右。陕西省综合财力及政府债务负担均处于全国中游水平。 能源工业是陕西省传统优势产业，2024 年，陕西省产业结构不断优化，三产占比明显提升， 新质生产力稳步发展，逐步向绿色和高技术制造业转型。陕西省构建"6+5+N"现代制造业新体 系，落实"关中协同创新、陕北转型持续、陕南绿色循环"三大区域发展战略，聚焦新质生产力 等战略新兴产业。 陕西省各地级市经济实力和一般公共预算收入规模分化明显。2024 年，西安市凭借其产业优 势，在省内继续保持突出的经济实力；陕北地区的榆林市凭借其资源优势，GDP 稳居全省第二， 人均 GDP 远高于其他地级市。西安市和榆林市一般公共预算收入规模 ...

Core Viewpoint - The article emphasizes the urgent need for global action against climate change, highlighting the critical state of coral reefs and the importance of sustainable practices in industries like logistics and energy [1][2]. Group 1: Climate Change and Coral Reefs - The global coral reefs are experiencing their fourth bleaching event, significantly impacting millions of people and marine biodiversity [1]. - China has set ambitious targets for reducing greenhouse gas emissions and increasing non-fossil energy consumption by 2035, marking a shift from intensity control to total control [1]. Group 2: Company Overview and Green Transformation - China International Marine Containers (Group) Co., Ltd. (CIMC) integrates green, low-carbon, and circular economy principles into its product design and services, focusing on energy conservation and carbon reduction in its ESG reports [2][3]. - CIMC's green transformation involves a shift from single product environmentalization to a zero-carbon approach across the entire industry chain, utilizing innovative materials and technologies [2][4]. Group 3: Innovations in Container Manufacturing - CIMC has developed bamboo-wood composite flooring, which protects tropical rainforests and supports local economies while providing a cost-effective alternative to traditional materials [3][4]. - The company has led the industry in transitioning from oil-based to water-based coatings, significantly reducing VOC emissions by over 85% [4]. Group 4: Green Energy Initiatives - CIMC is actively involved in multiple clean energy sectors, including offshore wind, hydrogen, and green methanol, creating a collaborative clean energy ecosystem [5][7]. - The company has delivered advanced offshore wind installation vessels and is pioneering projects that significantly reduce carbon emissions, such as the hybrid-powered installation ship [5][6]. Group 5: Financial Support and Strategic Partnerships - CIMC has received substantial financial support from banks for its green projects, including a 400 million yuan approval for its green methanol project [8]. - The company collaborates with various partners to develop innovative solutions in hydrogen production and transportation, contributing to the green energy supply chain [7][8]. Group 6: Future Goals and Zero-Carbon Manufacturing - CIMC aims to establish a comprehensive green manufacturing system, with a focus on energy efficiency and waste resource utilization, targeting the development of zero-carbon factories [9][10]. - The company is leveraging digital technologies for precise energy management, achieving significant cost savings and efficiency improvements [10][11]. Group 7: Commitment to Sustainable Development - CIMC's mission is to provide high-quality, reliable equipment and services while creating sustainable value for society, aligning with its vision of becoming a world-class enterprise [11][12]. - The company is committed to continuous innovation and efficiency improvements in its product strategy, contributing to a better quality of life globally [12].

Core Insights - Vatti has won two Red Dot Best of the Best awards for its innovative products "Magic Cooking Center 2.0" and "Artist – Light Kitchen Series Sideboards," marking its third consecutive year of recognition in this prestigious international design competition, often referred to as the "Oscar of Design" [1][6] - The awards highlight the rising influence of Chinese brands in the global industrial design arena and underscore the strength of Chinese design innovation [1][5] Group 1: Product Innovation - "Magic Cooking Center 2.0" emphasizes "hidden aesthetics," focusing on how kitchens can integrate into daily life beyond just cooking, featuring a hidden lift design that enhances operational space and visual purity [5][6] - The product incorporates smart cooking and self-cleaning systems, utilizing AI technology to identify ingredients and suggest cooking methods, thus addressing cleaning challenges and enhancing user experience [5][6] - "Artist – Light Kitchen Series Sideboards" blurs the lines between kitchen appliances and furniture, using a modular framework and minimalist aesthetics to seamlessly integrate kitchen appliances into home decor, catering to the diverse needs of Generation Z for social cooking and personalized expression [6][5] Group 2: Market Trends and User Insights - The company has identified significant shifts in consumer preferences, particularly among younger generations who seek higher quality home aesthetics and sustainable living solutions post-pandemic [3][5] - Vatti's design philosophy transforms kitchens from isolated functional areas into open, interactive family spaces, redefining the kitchen's role in modern life as a center for emotional connection and sustainable living [3][6] - The continuous recognition at the Red Dot Awards illustrates Vatti's commitment to forward-thinking insights, innovative research, and a focus on user value, positioning the brand as a leader in defining global design trends and future lifestyles [6][5]

Core Viewpoint - The article discusses the evolution of development theories and practices across different historical contexts, emphasizing the need for innovative and adaptive approaches to economic development in response to changing global conditions [1][2][14][15]. Group 1: Historical Context of Development Theories - The transition to capitalism and industrialization in Western countries set a precedent for economic development, leading to the emergence of various economic theories that influenced global policies [1]. - Post-World War II, development economics emerged to address the urgent economic development needs of newly independent nations, drawing from Western industrialization experiences [2]. - Structuralism dominated development economics from the 1940s to the 1960s, advocating for government intervention and capital accumulation, but faced challenges in the 1970s leading to stagnation in developing countries [2]. Group 2: Shift to Neoliberalism - The rise of neoliberal economic theories in the 1980s, particularly the "Washington Consensus," promoted market liberalization and reduced government intervention, which ultimately led to significant failures in many developing nations [2]. - The period termed the "lost two decades" for developing countries highlighted the inadequacies of applying Western industrialization models to diverse economic contexts [2]. Group 3: New Development Concepts - The introduction of new development concepts by Xi Jinping emphasizes innovation, coordination, green development, openness, and sharing as essential for high-quality economic growth [14]. - These new concepts aim to address the contradictions and challenges faced by China in the context of rapid development and changing global dynamics, moving beyond traditional development paradigms [14][15]. - The new development philosophy is positioned as a solution to contemporary global issues such as economic inequality, environmental degradation, and the challenges of globalization [15].

Group 1: Event Overview - The 15th National Games will be held from November 9 to 21 in Guangdong, Hong Kong, and Macau, marking the first time these regions jointly host a large-scale sports event [1][2] - The theme slogan is "Passion for National Games, Vitality for Greater Bay Area," reflecting the spirit of the event [2][3] - The event will feature a total of 366 competitive events in Guangdong, 39 in Hong Kong, and 14 in Macau, adhering to the principle of "Guangdong first, Hong Kong and Macau prioritized" [15][17] Group 2: Design and Symbolism - The emblem of the Games symbolizes the integration of the Greater Bay Area, featuring overlapping petals of the cotton tree, bauhinia, and lotus, representing cultural unity and vitality [3][4] - The medals for competitive sports showcase the emblem and the national treasure, the Chinese white dolphin, emphasizing the region's development and contribution to national rejuvenation [7][9] Group 3: Opening Ceremony Highlights - The opening ceremony will take place in Guangzhou, themed "Dreaming of the Future," incorporating iconic elements from Hong Kong, Macau, and Guangzhou to showcase the vibrancy of the Greater Bay Area [32][34] - The ceremony will emphasize the integration of sports, art, and technology, featuring traditional cultural performances and modern artistic expressions [36][37] - Advanced technologies such as naked-eye 3D and artificial intelligence will be utilized to enhance the ceremony's visual appeal and engagement [37][38] Group 4: Community Engagement and Events - The event will include youth categories in football, basketball, and volleyball to foster talent development in these sports [26][27] - Community sports activities will be closely linked with local festivals, encouraging broader participation and interest in the Games [27][30] - The organization aims to integrate resources from various social sectors to enhance the overall experience and engagement of the public [27]

Core Points - The 15th National Games will be held from November 9 to 21 in Guangdong, Hong Kong, and Macau, marking the first time these regions jointly host a large-scale sports event and the first time the Games are held in Hong Kong and Macau [1] - The event emphasizes the theme of integration and prosperity, showcasing the cultural characteristics of the Guangdong-Hong Kong-Macau Greater Bay Area [4] Group 1: Event Overview - The Games will feature a total of 366 competitive events in Guangdong, 39 in Hong Kong, and 14 in Macau, adhering to the principle of "Guangdong as the main host, with priority given to Hong Kong and Macau" [11] - Over 90% of the competition venues will utilize existing facilities, reflecting a commitment to sustainability and cost-effectiveness [14] Group 2: Design and Symbolism - The emblem design captures the moment of fireworks blooming, symbolizing the vibrant integration of the Greater Bay Area and its connection to the world [3] - The medals feature a design that represents the three regions and incorporates elements of traditional Chinese culture, emphasizing national rejuvenation [7][9] Group 3: Opening Ceremony Highlights - The opening ceremony will take place in Guangzhou, themed "Dreaming of the Future," and will include elements that showcase the interconnectedness of the Greater Bay Area [30] - The ceremony will integrate traditional culture with modern technology, featuring performances that highlight the unique cultural aspects of the three regions [32][34]

Core Insights - Vatti, a high-end kitchen appliance brand from China, won two Red Dot Best of the Best awards for its innovative products, Magic Cooking Center 2.0 and Artist-Light Kitchen Series Sideboards, marking its third consecutive year of recognition in this prestigious international design competition [1][5][6] Design Awards - The Red Dot Best of the Best award is considered the "Oscar" of industrial design, alongside Germany's iF Award and the USA's IDEA Award, highlighting its global authority and influence [1][4] - The award selection process is known for its rigorous standards, attracting thousands of entries from over 60 countries each year, with winners demonstrating excellence in design aesthetics, ergonomics, innovation, practicality, and environmental sustainability [4] Product Innovations - The Magic Cooking Center 2.0 features "hidden innovation" that expands the aesthetic and functional boundaries of kitchen space, incorporating advanced smart technology such as built-in cameras and AI algorithms for real-time ingredient analysis and cooking guidance [5][6] - The Artist-Light Kitchen Series Sideboards emphasizes "space integration," breaking the boundaries between traditional kitchen appliances and home decor, utilizing minimalist design and eco-friendly materials to enhance both durability and aesthetic appeal [5][6] Market Trends - The kitchen appliance market is evolving towards "integrated invisibility," focusing on creating a sense of space and seamless integration into home environments, driven by consumer demand for multifunctional and aesthetically pleasing kitchen solutions [6][8] - As consumer expectations for home quality rise, especially among the Z generation, trends in kitchen design are shifting towards "smart, integrated, green, and artistic" solutions, with Vatti committed to exploring innovative possibilities in kitchen and home integration [8]

（原标题：越南将充分利用自贸协定打造营商环境） 专家认为，在全球经济形势复杂多变的背景下，许多国家颁布了新贸易政策，欧盟也在加快与许多 其他伙伴的FTA谈判和签署进程，将增加越南商品的竞争压力。此外，欧盟市场正朝着绿色、清洁消费 转变，要求满足劳动、环境等可持续发展标准，消费者不仅关注产品的价格和质量，还关注商品的生产 过程。欧盟正推动实施《欧洲绿色协议》,制定将欧盟转变为一个现代化、资源高效和到2050年实现碳 中和经济的全面战略。越南企业和行业须采取应对方案，促进增长、增强竞争力并扩大在欧盟市场份 额。为有效利用FTA（特别是EVFTA）优惠政策，专家认为越南企业需要主动准备和满足日益提高的市 场标准，提高竞争力，深入参与全球价值链，以便越南扩大和多元化出口市场、吸引外国投资、提高生 产力并促进向绿色、可持续增长模式转型。 越南工贸部多边贸易政策司副司长吴中卿介绍，工贸部正在推动建设FTA生态系统，对接从生产、 加工、物流、金融、协会到管理机构的各环节，支持企业最大限度地利用FTA优惠、提高竞争力并扩大 出口市场。 《越南-欧盟自由贸易协定》（EVFTA）实施5年来，越南与欧盟的双边贸易额持续增长，从48 ...