近日，一张漂洋过海且含金量十足的榜单"造访"了中国银行业。在这个被视为"银行业奥斯卡"的 2025年度评选中，中信银行站上C位，荣膺"2025年中国年度银行"。该份榜单是国际专业财经媒体英国 《银行家》（The Banker）对于中信银行近年来在服务实体经济领域一系列创新实践的认同与褒奖，在 历届榜单中，工商银行、农业银行等国有大行和几家头部股份制银行也曾斩获该年度银行奖项。 那么，包括中信银行在内的中国银行业金融机构的"小金人"究竟是如何炼成的？其实，问道银行品 牌的"铸金之径"，其意义并不局限于银行业自身的品牌建设与发展，而是期待在新一轮科技革命浪潮奔 涌、"十五五"宏伟蓝图徐徐展开、建设金融强国旌旗猎猎的大时代，找到银行业赋能实体经济高质量发 展的"最优解"。 信立根 银行自诞生之初，便与"信用"血脉相连。 现代银行所从事的金融业务的本质是信用，而品牌的根基同样在于信任。在经济社会深刻变革的当 下，"信"如同数学中无数个"0"前面最关键的"1"，不仅是银行自身的发展根基，也是金融强国战略下品 牌建设的发展起点。 中信银行显然深谙此道，将"信"融入品牌基因。从"让财富有温度"的品牌主张，到"信·新"品牌论 ...

Core Insights - The book "Creating New Demand" by economists Teng Tai and Zhang Haibing emphasizes the importance of creating demand through understanding consumer behavior and societal trends, shifting from basic material needs to high-quality spiritual needs [2][3] Group 1: Consumer Behavior and Trends - Consumers are increasingly focused on the experiential and spiritual aspects of consumption, valuing meaning, aesthetics, fashion, and cultural significance alongside traditional factors like quality and price [2][3] - The transition from traditional retail to new retail emphasizes not only product availability and pricing but also factors like fast delivery, convenience, interactivity, and social features [2][3] Group 2: Soft Value Creation - The book introduces the concept of "soft value," which encompasses non-material aspects such as research and development, design, creativity, branding, and user experience, which are crucial for meeting spiritual needs [3][4] - Soft value is distinct from soft power; it is an economic concept focused on the intrinsic value of products and services, while soft power is a political concept [3] Group 3: Enhancing Consumer Experience - Improving customer experience is identified as a key factor in creating new demand, with each purchase representing a lifestyle choice [4][5] - The "soft value creation equation" suggests that soft value can lead to exponential economic value, highlighting the importance of effective innovation, traffic management, experience enhancement, business model innovation, and organizational change [4] Group 4: Practical Applications - The book discusses how sectors like agriculture, manufacturing, and services can benefit from soft value creation, which often involves indirect paths to profitability, such as prioritizing public value before monetization [4] - Successful tourism and cultural experiences are linked to a focus on enhancing visitor experiences, indicating that traditional revenue models need to evolve to meet consumer expectations [5]

Core Viewpoint - The selection of the Wuhan-made Lotus electric vehicle by King Charles III highlights the rising global status of Chinese electric vehicles, showcasing their high quality, design, and intelligent technology [2][3]. Group 1: Lotus Electric Vehicle - King Charles III has purchased the Lotus ELETRE, a fully electric SUV produced at the Wuhan Lotus global smart factory, priced at approximately £120,000 with a range of 280 miles (about 450 kilometers) and a 0-100 km/h acceleration in 2.9 seconds [3][4]. - The Lotus brand, founded in 1948 by British engineer Colin Chapman, was acquired by Zhejiang Geely in 2017, and production was moved to Wuhan in 2022 [3][4]. - The ELETRE model is described as having "racing DNA" and is specially painted in royal crimson for the King [3][4]. Group 2: Market Trends and Consumer Preferences - The British royal family has historically favored luxury brands like Rolls-Royce and Bentley, but there is a growing interest in environmentally friendly vehicles [4]. - The Lotus ELETRE is seen as a shift for the brand into the broader luxury market, with positive media reception highlighting its performance and innovation [4]. - Chinese brands, including BYD, are increasingly focusing on high-end market positioning and adapting to consumer preferences for practicality, reliability, and environmental performance [5][6]. Group 3: Technological Advancements - The Lotus ELETRE features advanced intelligent functions, including a navigation-assisted driving capability that does not rely on high-definition maps [5]. - Collaborations, such as the one between Hong Kong University of Science and Technology and BYD, aim to push forward research in robotics and smart manufacturing [7]. - The future of the automotive industry may lean towards shared mobility solutions and autonomous driving technologies, with a focus on safety and comfort rather than ownership [8][9]. Group 4: Branding and Cultural Influence - The concept of "Chinaxury" is emerging, where Chinese brands redefine luxury through quality and cultural narratives, moving beyond just price competitiveness [11][12]. - The narrative around products is becoming increasingly important, with companies encouraged to integrate high-quality and high-end concepts into their branding strategies [11][12]. - There is potential for Chinese automotive companies to develop into globally recognized brands akin to Apple, leveraging rapid technological advancements and strong manufacturing capabilities [12].