2025年12月26日，由金融界主办的"启航·2025金融年会"系列活动在北京成功举办。海尔智家副总裁、数字化转型总经理兼首席数字官孙丹凤 围绕2025年海尔智家"AI元年"核心战略、数智化转型进展、行业趋势等关键议题，分享了深度见解，勾勒出家电行业数智化转型的清晰路径。 当前，全球经济疲弱增长与风险交织，新质生产力成为驱动中国经济高质量发展的核心引擎，而"人工智能+"行动的深入推进，正加速各行业 从数字化向数智化跃迁。作为家电行业数字化转型的领军者，孙丹凤结合27年海尔智家从业经验，深度解读了AI元年背景下企业数智化转型的 核心方法论迭代、AI项目落地进展，以及家电行业数智化与绿色低碳融合的未来趋势。 据孙丹凤介绍，L1阶段为自然聊天机器人，L2阶段新增推理能力形成智能助手，L3阶段进入智能体阶段，L4阶段实现自主创新，L5阶段则构 建组织级AI体系，完成企业组织流程与体系的全面重构，实现"人定目标、AI做事、人做决策"的未来形态。"智小能"的核心价值在于整合各类 智能体与应用，避免员工在多个智能体间切换的困扰，通过一站式服务直接解决问题，成为企业内部AI应用的核心枢纽。 对于从L3阶段向L5阶段的推进周期 ...

市场有风险，投资需谨慎。本文为AI基于第三方数据生成，仅供参考，不构成个人投资建议。 来源：市场资讯 根据通知，自2026年1月1日起，全国将执行统一的补贴品类与标准。个人消费者购买符合一级能效或水效标准的冰箱、洗衣机、电视、空调、热水器、电脑 共六类家电产品，可享受补贴。同时，对单件销售价格不超过6000元的手机、平板、智能手表（手环）、智能眼镜四类数码和智能产品也给予购新补贴。 补贴的计算方式为，针对上述产品在扣除所有环节优惠后的最终销售价格，按15%的比例给予补贴。每位消费者在每类产品中可享受一件产品的补贴，并设 有补贴金额上限。其中，家电产品每件补贴不超过1500元，数码和智能产品每件补贴不超过500元。 商务部、国家发展改革委、财政部、市场监管总局、国家邮政局办公厅（室）于12月31日联合印发《关于做好2026年家电以旧换新、数码和智能产品购新补 贴工作的通知》，明确了新一年度消费品以旧换新补贴的具体品类、标准与实施要求。 ...

2026年1月1日起，按照全国统一的品类和标准，对个人消费者购买1级能效或水效标准的冰箱、洗衣 机、电视、空调、热水器、电脑6类家电产品，以及单件销售价格不超过6000元的手机、平板、智能手 表（手环）、智能眼镜4类数码和智能产品给予补贴。补贴标准为上述产品扣除各环节优惠后最终销售 价格的15%，每人每类可补贴1件，其中，家电产品每件补贴不超过1500元，数码和智能产品每件补贴 不超过500元。 12月31日，商务部等5部门办公厅（室）关于做好2026年家电以旧换新、数码和智能产品购新补贴工作 的通知。 具体事项如下： 一、明确享受补贴品类、范围和标准 二、支持实体零售发展 各地要做好家电以旧换新、数码和智能产品购新补贴工作组织实施，充分发挥不同销售渠道优势，统筹 用好线上线下两个渠道实施补贴政策，加强对政策参与经营主体的工作指导和技术支撑，鼓励线下门店 打造多元化消费场景，深挖品牌专卖店、专业店等实体零售潜力，进一步支持线下实体发展，增强周边 消费带动作用。 三、保障农村居民享受补贴政策 各地要通过增加农村地区线下经营主体、引导线上渠道向农村地区倾斜等方式，保障好农村地区居民特 别是偏远地区农村居民参与补贴 ...

Group 1 - The article outlines a subsidy policy effective from January 1, 2026, for consumers purchasing energy-efficient home appliances and certain digital products, providing a 15% subsidy on the final sales price, with specific caps on the amount per item [1] - The policy aims to support the development of physical retail by promoting trade-in programs for old appliances and encouraging diverse sales channels, both online and offline [2] - It emphasizes ensuring that rural residents can access the subsidy by increasing offline retail presence and guiding online channels to serve rural areas effectively [3] Group 2 - The implementation of the subsidy policy will be optimized by regularly updating the list of participating businesses and ensuring compliance with legal standards, with strict penalties for violations [4] - There are guidelines for the sale of subsidized products, requiring transparency in pricing and prohibiting practices like price inflation before subsidies [5] - The article stresses the importance of timely fund allocation and auditing processes to alleviate financial pressure on participating businesses [6] Group 3 - Digital monitoring systems will be established to track subsidy product information and prevent fraudulent activities, utilizing big data and AI for anomaly detection [7] - Participating businesses must adhere to ethical practices and protect consumer information, ensuring data integrity and compliance with subsidy regulations [8] - Logistics and delivery management will be enhanced to prevent fraud, with a focus on monitoring unusual delivery patterns [9] Group 4 - The article discusses the need for a robust recycling system for old appliances, encouraging businesses to offer one-stop services for new purchases and old appliance recycling [10] - It highlights the importance of supervisory measures to ensure compliance with subsidy regulations, including penalties for non-compliance and illegal activities [11] - A positive public atmosphere will be fostered through widespread promotion of the subsidy policy and the establishment of complaint channels for consumers [13]

Core Viewpoint - The Ministry of Commerce and four other departments have issued a notice regarding the implementation of the 2026 appliance recycling and subsidy program, emphasizing the importance of enhancing the recycling system for old appliances and promoting new purchases through incentives [1] Group 1: Policy Implementation - Local governments are encouraged to utilize existing funding channels to strengthen the recycling system for old appliances [1] - Participating entities must have the capability to recycle old appliances while also selling new ones, providing a one-stop service for consumers [1] - Appliance sales companies are encouraged to collaborate with manufacturers and recycling firms to conduct promotional activities that incentivize consumers to trade in old appliances for new ones [1] Group 2: Consumer Engagement - The policy aims to address the actual needs of consumers by developing various recycling models such as "two-network integration," "Internet + recycling," and "using vehicles instead of warehouses" [1]

商务部等5部门办公厅(室)印发关于做好2026年家电以旧换新、数码和智能产品购新补贴工作的通知。 2026年1月1日起，按照全国统一的品类和标准，对个人消费者购买1级能效或水效标准的冰箱、洗衣 机、电视、空调、热水器、电脑6类家电产品，以及单件销售价格不超过6000元的手机、平板、智能手 表(手环)、智能眼镜4类数码和智能产品给予补贴。补贴标准为上述产品扣除各环节优惠后最终销售价 格的15%，每人每类可补贴1件，其中，家电产品每件补贴不超过1500元，数码和智能产品每件补贴不 超过500元。 ...

智通财经APP获悉，12月31日，商务部等5部门办公厅（室）印发关于做好2026年家电以旧换新、数码 和智能产品购新补贴工作的通知。2026年1月1日起，按照全国统一的品类和标准，对个人消费者购买1 级能效或水效标准的冰箱、洗衣机、电视、空调、热水器、电脑6类家电产品，以及单件销售价格不超 过6000元的手机、平板、智能手表（手环）、智能眼镜4类数码和智能产品给予补贴。补贴标准为上述 产品扣除各环节优惠后最终销售价格的15%，每人每类可补贴1件，其中，家电产品每件补贴不超过 1500元，数码和智能产品每件补贴不超过500元。 通知提出，各地要科学制定补贴资金使用及兑付计划，按月均衡使用，并做好月内每周和跨月、跨季度 之间的平稳衔接。在省级层面加强统筹，对经营主体申请参与补贴政策、资金兑付等具体事项，提出统 一明确的材料清单、申请方式、办理流程、审核程序等要求。在做好风险防控前提下，可结合当地实 际，采用预拨部分资金、滚动拨付资金等方式，简化资金审核流程，加快拨付进度，减轻政策参与经营 主体垫资压力，确保符合条件的补贴资金及时全部完成兑付。 全文如下： 商务部等5部门办公厅（室）关于做好2026年家电以旧换新、 ...

Core Viewpoint - The article discusses the implementation of a subsidy program for the replacement of old home appliances and the purchase of new digital and smart products, effective from January 1, 2026, aimed at promoting consumer spending and supporting the retail sector. Group 1: Subsidy Details - The subsidy applies to six categories of home appliances and four categories of digital and smart products, with a subsidy rate of 15% of the final sale price after discounts, capped at 1500 yuan for home appliances and 500 yuan for digital products per item [1][2] - Each individual can receive a subsidy for one item per category, with specific price limits for eligible products [1] Group 2: Support for Retail Development - Local authorities are encouraged to leverage both online and offline sales channels to implement the subsidy policy effectively, enhancing the potential of physical retail stores [1] - The initiative aims to stimulate local consumption and support the development of various retail formats, including brand specialty stores and professional shops [1] Group 3: Rural Consumer Access - Measures will be taken to ensure that rural residents, especially in remote areas, can access the subsidy program through increased offline retail presence and online channel guidance [1] - The program encourages large supermarkets and specialty stores to penetrate rural markets using mobile sales units and local markets [1] Group 4: Policy Implementation Optimization - Local governments are required to maintain updated lists of participating businesses and ensure compliance with legal standards, with penalties for violations [2] - The subsidy application process will support various payment methods and allow for flexibility in unbinding and reassigning subsidy qualifications [2] Group 5: Product Sales Regulation - Participating businesses must adhere to fair pricing practices, publicly disclose pricing information, and avoid practices like price inflation before subsidies [2] - Strict invoicing requirements are established to ensure transparency in transactions related to subsidized products [2] Group 6: Funding and Monitoring - A structured plan for subsidy fund usage and disbursement is mandated, with an emphasis on timely payments to reduce financial pressure on participating businesses [4] - Digital monitoring systems will be implemented to track transactions and prevent fraudulent activities, ensuring the integrity of the subsidy program [4] Group 7: Logistics and Recycling Management - Enhanced management of logistics and delivery services is necessary to prevent fraud in the distribution of subsidized products [5] - The establishment of a robust recycling system for old appliances is encouraged, promoting a one-stop service for consumers [5] Group 8: Supervision and Compliance - A collaborative approach among departments is essential for effective supervision of subsidy fund usage, with strict penalties for non-compliance [6] - Continuous monitoring and enforcement of regulations are crucial to maintain the integrity of the subsidy program and protect consumer rights [6] Group 9: Public Awareness and Support - Broad promotion of the subsidy policy is necessary to increase public awareness and participation, with financial institutions encouraged to support participating businesses [7] - Establishing channels for public feedback and reporting violations is vital for maintaining transparency and accountability in the subsidy program [7]

（来源：中国商报） 转自：中国商报 中国商报（记者 王彤旭）12月30日，国家发展改革委、财政部联合印发《关于2026年实施大规模设备更新和消费品以旧换新政策的通知》（以下简称通 知），明确了2026年"两新"（大规模设备更新和消费品以旧换新）政策的支持范围、补贴标准和工作要求，打响了新一年扩内需、促转型、惠民生的"第一 枪"。 中国城市专家网智库委员会常务副秘书长林先平对中国商报记者表示，2026年"两新"政策的优化调整，体现了国家在推动经济持续回升向好、促进产业升级 和民生改善方面的精准施策。新政既注重短期需求拉动，也着眼长期结构升级，有望为实体经济注入新动力，助力高质量发展。 优化支持范围 回望演进脉络，"两新"政策自实施以来已形成清晰的推进路径，政策效能持续释放。数据显示，2025年前三季度，设备工器具购置投资同比增长14%，拉动 全部投资增长2个百分点；1月至11月，消费品以旧换新带动相关商品销售额超2.5万亿元，惠及超3.6亿人次。 在此基础上，2026年新政立足"扩围提质、精准高效"的核心导向，进一步聚焦民生关切、安全保障和产业升级需求，让政策红利更精准地流向普通民众。 2026年"两新"政策主 ...

格隆汇12月31日｜商务部公告，2026年1月1日起，按照全国统一的品类和标准，对个人消费者购买1级 能效或水效标准的冰箱、洗衣机、电视、空调、热水器、电脑6类家电产品，以及单件销售价格不超过 6000元的手机、平板、智能手表（手环）、智能眼镜4类数码和智能产品给予补贴。补贴标准为上述产 品扣除各环节优惠后最终销售价格的15%，每人每类可补贴1件，其中，家电产品每件补贴不超过1500 元，数码和智能产品每件补贴不超过500元。 ...