专题：2025中国保险创新论坛 2025年12月17日，以"融创共生"为主题的第20届中国保险创新论坛暨第20届中国保险创新大奖颁奖盛典 在常州举行。论坛主席、保险文化杂志社社长张迎宾给大家介绍了天雁医康养财富节，并与行业嘉宾们 共同启动了首届天雁医康养财富节。 文化杂志社社长 张迎宾 论坛主席、保险 以下是张迎宾对天雁医康养财富节的介绍： 前段时间，我一直在思考一个问题：现在保险公司面临着这样一个困境，那就是传统的产说会越来越难 办，客户越来越难邀约，且似乎对我们的营销动作麻木了、免疫了，该如何破局？ 我认为，这其中的症结在于我们过去是把目光聚焦于"功能"，然而随着客户需求的变化，尤其是"互联 网一代"的80后、90后，逐步取代70后成为了保险消费市场的"主力军"，我们更应该关注他们的"情 感"和"体验"，通过设计场景化、体验化、情感化的深度客户旅程，由"功能推销"转向"情感共鸣式营 销"。 于是，天雁医康养财富节应运而生，它是天雁教育认证打造的"保险赋能新品类"，通过跨界整合优质资 源，为终端客户打造的集演唱会+健康管理体验+养老规划讲座+财富配置于一体的一站式服务盛会。这 不再是你说我听的产品说明会，而 ...

Core Insights - The national exhibition industry is experiencing a robust year-end, with several key exhibitions scheduled that focus on industry frontiers and international cooperation, showcasing the sector's resilience and market potential for future growth Group 1: Upcoming Major Exhibitions - The 2025 Hainan International Health and Wellness Industry Expo will take place from December 26 to 28, focusing on innovation and cooperation in the health tourism sector under the free trade port policy [1] - The 2025 Asian Humanoid Robot Industry Development Conference and Exhibition will occur from December 26 to 28 in Shenzhen, featuring a comprehensive display of the entire industry chain's technology and products [2] - The 2025 Computing Power Internet Conference is set for December 24 to 25 in Chengdu, aiming to explore cutting-edge technologies and industry development paths [3] Group 2: Specific Themes and Objectives - The Shanghai International Tea Trade Expo will be held from December 25 to 28, emphasizing digital transformation in the tea industry with a focus on blockchain traceability and AI applications [6] - The 2025 Chengdu International Health Consumption Expo will take place from December 26 to 28, targeting comprehensive health needs across various demographics and sectors [7] - The inaugural MUSA Developer Conference by Moore Threads will be held from December 19 to 20 in Beijing, focusing on the full-function GPU ecosystem and the release of a new GPU architecture [8]

（原标题：专访中国WTO研究会霍建国：海南自贸港为全国制度型开放探路） 资料图 南方财经 21世纪经济报道记者郑青亭、实习生陈颖 北京报道 海南自由贸易港12月18日正式启动全岛封关运作，这是中国扩大高水平对外开放的重要举措。?封关 后，海南将实施"一线放开、二线管住、岛内自由"的监管模式，旨在打造引领新时代对外开放的重要门 户。 "一线"放开后，海南自贸港"零关税"商品税目达到约6600个，比例由21%提高至74%，享惠主体范围也 大幅拓宽。有进口需求的企业，12月18日即可通过海南国际贸易"单一窗口"正式上线的"零关税"申报等 专属功能板块，自主申报。 中国世界贸易组织研究会副会长霍建国在接受21世纪经济报道专访时指出，"十五五"规划建议明确 将"高标准建设海南自由贸易港"作为推动制度型开放和自主开放的核心内容之一。自2018年提出、2019 年形成建设方案以来，海南自贸港历经数年推进，此次全岛封关运作标志着我国高水平开放进入新阶 段，以实际行动印证"中国开放的大门只会越开越大"。 霍建国表示，当前全球贸易环境复杂多变，保护主义抬头，国际贸易体系面临冲击。在此背景下，海南 自贸港对标国际最高开放标准，积极 ...

Core Insights - The "15-minute convenient living service" initiative in Guangxi aims to enhance urban happiness by providing essential services within a short distance from residents' homes [5][6] - The initiative has achieved full coverage across 14 cities in Guangxi, with 10 cities recognized as national pilot projects [5] Group 1: Initiative Overview - The initiative has established 152 convenient living circles, connecting approximately 55,600 commercial outlets and serving over 2.87 million community residents [5] - Key services include over 4,100 supermarkets and convenience stores, 8,270 breakfast and late-night service points, and 1,630 repair stations [5] Group 2: Community Engagement - The ongoing consumption month activity, themed "Convenience and Joy, Service for All Families," aims to meet residents' daily needs through various community events [5] - Activities include wellness experiences for the elderly and children, psychological counseling, and family workshops, reflecting a shift from basic availability to quality of services [5] Group 3: Future Developments - Future plans include expanding and upgrading the convenient living circles, focusing on enhancing basic and quality service offerings [6] - The introduction of smart facilities like AI canteens and self-service vending machines is planned to create unique community experiences [6]

Group 1 - The 2025 Hainan International Health Industry Expo (Hainan Health Expo) has generated significant interest, with long queues at the consultation and free medical check-up areas, indicating a high level of engagement from attendees [1] - Various exhibitors showcased a wide range of health products and services, enhancing the interactive experience for visitors, which is expected to provide convenience for those in need [1] - The event featured a nutrition knowledge competition organized by exhibitors in the dietary and brand exhibition area, aimed at promoting the concept of "the fourth meal of Chinese residents" and educating attendees on the value of nutrition [1] Group 2 - The expo attracted key domestic parks such as the Boao Lecheng International Medical Tourism Pilot Zone and Sanya Yazhou Bay Science and Technology City, highlighting the collaboration among different regions to promote health and wellness products [2] - The event emphasized advanced medical devices and "black technology" in the medical equipment industry, showcasing high-tech innovations like interventional robots and smart wearable devices from companies such as United Imaging and Huawei [2]

Core Insights - China Everbright Bank's Hohhot branch signed a comprehensive strategic cooperation agreement with Inner Mongolia Cultural Tourism Investment Group to enhance collaboration in the silver economy and cultural tourism sectors [1][3][4] Group 1: Strategic Cooperation - The partnership aims to implement national policies on developing the silver economy and promoting cultural tourism consumption, focusing on three main areas: cultural tourism industry upgrade, quality improvement in elderly care services, and ensuring consumer welfare [1][3] - Inner Mongolia Cultural Tourism Group is a leading enterprise in the region's cultural tourism industry, and the bank will provide credit support in areas such as scenic area construction, hotel operations, and elderly care projects [3] Group 2: Financial Support and Innovation - The bank plans to leverage its full range of financial products to support major project collaborations, enhancing the transformation and upgrading of the cultural tourism industry in Northern Xinjiang [3] - The cooperation will integrate financial services with the cultural tourism sector, including collaboration with other group companies like Everbright Elderly Care and China Youth Travel Service to build a suitable elderly care system for Inner Mongolia [3] Group 3: Digital Transformation and Consumer Promotion - The partnership will focus on promoting consumption and digital transformation through customer service, product innovation, and brand co-creation, enriching experiences in "tourism + elderly care" and "tourism + cultural creativity" [3] - Everbright Bank will utilize digital tools like "Everbright Cloud Payment" to enhance operational efficiency and service quality for the tourism group, aiming to create a smart cultural tourism ecosystem and stimulate new consumer vitality [3][4]

Core Insights - The 2025 Central Economic Work Conference emphasizes "domestic demand as the main driver" and "prioritizing people's livelihoods" as key tasks for the upcoming year, aligning with the long-term goals of enhancing consumer capacity and improving the social security system outlined in the 15th Five-Year Plan [2] Income Growth - The conference introduces a plan to increase income for urban and rural residents, marking a shift from short-term consumption stimulation to long-term income structure improvement, with a focus on synchronizing income growth with economic growth and labor remuneration with productivity [3] - The income growth plan targets various groups, including college graduates and migrant workers, aiming to stabilize employment and income through job retention and quality enhancement actions [3] - Policies will also address the income of flexible workers like delivery personnel by improving their social security mechanisms, thereby alleviating their concerns about spending [3] Supply Expansion - The conference prioritizes domestic demand and proposes actions to boost consumption by expanding the supply of quality goods and services [6] - There is a focus on upgrading consumer goods from basic to high-quality products, with policies aimed at promoting the iteration of popular items like smartphones and smart home devices [8] - The initiative includes expanding the scope of trade-in policies to cover various categories, enhancing the adaptability of supply to meet consumer needs [8] Investment Promotion - Investment is highlighted as a crucial lever for expanding domestic demand, with the conference calling for measures to stabilize and invigorate private investment [11] - The conference acknowledges a 1.7% year-on-year decline in fixed asset investment in the first ten months of the year, while emphasizing the need for structural optimization in investment, particularly in high-tech sectors [11] - The government aims to create a stable and predictable environment for private investment by addressing barriers and expanding access [13] Consumption Environment Improvement - The conference outlines measures to eliminate unreasonable restrictions in the consumption sector, aligning with the goal of building a unified national market [14] - Policies will encourage the development of new consumption formats such as digital and green consumption, enhancing the management of emerging consumption models [16] - The initiative includes the establishment of a national unified market construction regulation to improve market order and protect consumer rights, fostering a more favorable consumption environment [16]

Core Viewpoint - The joint notice issued by the Ministry of Commerce, the People's Bank of China, and the Financial Regulatory Administration aims to strengthen the collaboration between commerce and finance to boost consumption significantly [1][2]. Group 1: Policy Measures - The notice outlines 11 policy measures across three main areas: enhancing collaboration between commerce and finance, increasing financial support for key consumption areas, and expanding cooperation among government, finance, and enterprises [2][4]. - It emphasizes the need for local departments to improve communication and collaboration, encouraging the establishment of mechanisms to address challenges in financial support for consumption [4][5]. Group 2: Financial Support for Consumption - Financial institutions are encouraged to focus on five key areas: upgrading product consumption, expanding service consumption, fostering new consumption types, innovating diverse consumption scenarios, and supporting consumption assistance [2][7]. - Specific measures include enhancing financial services for durable goods and digital products, improving loan policies for personal consumption, and supporting cross-border trade financing [7][8]. Group 3: Government-Finance-Enterprise Cooperation - The notice promotes joint consumption activities organized by local commerce departments and financial institutions, aiming to reach more businesses and consumers [11]. - It encourages the sharing of information and resources between local departments and financial institutions to facilitate precise service delivery and enhance credit construction in the consumption sector [12].

Core Viewpoint - The Ministry of Commerce, along with the People's Bank of China and the Financial Regulatory Bureau, has issued a notification aimed at enhancing collaboration between commerce and finance to boost consumer spending [1] Group 1: Policy Initiatives - The notification encourages local governments to utilize digital RMB smart contract red envelopes to improve the effectiveness of consumption promotion policies [1] - It suggests exploring various methods such as financing guarantees, loan interest subsidies, and risk compensation to strengthen the coordination of fiscal, commercial, and financial policies [1] - The focus is on guiding credit funds to increase investment in key consumer sectors [1] Group 2: Support for Specific Sectors - Local governments are encouraged to support key projects in health and wellness, cultural tourism, and new consumption areas such as digital and green sectors through various means [1] - Banks and non-bank financial institutions are urged to leverage their unique strengths and collaborate in consumer promotion activities to enhance the quality and upgrade of consumption [1]

Core Viewpoint - The notification emphasizes the need for stronger collaboration between commerce and finance to boost consumer spending, encouraging local authorities to leverage existing funding channels for promotional activities [1] Group 1: Policy Coordination - The notification calls for enhanced policy synergy, urging local commerce departments to actively engage in consumer promotion activities in conjunction with financial support [1] - It encourages the use of digital RMB smart contract red envelopes to improve the effectiveness of consumer promotion policies [1] Group 2: Financial Support Mechanisms - Local governments are encouraged to explore various methods such as financing guarantees, loan interest subsidies, and risk compensation to strengthen the collaboration between fiscal, commerce, and financial policies [1] - There is a focus on guiding credit funds to increase investment in key consumer sectors [1] Group 3: Targeted Consumption Projects - The notification promotes support for key projects in health, culture, tourism, and new consumption areas such as digital and green sectors [1] - Banks and non-bank financial institutions are encouraged to leverage their unique strengths and collaborate in consumer promotion activities to enhance the quality and upgrade of consumption [1]