Group 1 - The Supreme People's Court has implemented a judicial interpretation regarding prepaid consumption, providing consumers with new rights to protect themselves against businesses that close suddenly or refuse refunds [1] - Consumers are advised to gather essential information about businesses, such as their name, address, and contact details, to facilitate future claims [2][7] - If a business closes and consumers cannot locate them, they can seek compensation from the venue owner if the venue failed to verify the business's qualifications [3] Group 2 - Consumers have the right to request refunds under specific conditions, including when businesses fail to provide agreed-upon services or relocate without consent [4] - Refund calculations differ based on the reason for the refund; if the business is at fault, consumers may receive a higher refund amount compared to refunds requested for personal reasons [5] - Businesses cannot impose excessive fees for refunds, and consumers can refuse such charges while seeking assistance from consumer protection organizations [6] Group 3 - Consumers should retain evidence such as contracts, payment receipts, and business licenses to support their claims [7] - Alternative dispute resolution methods, such as filing complaints with consumer associations or market regulatory bodies, are available for consumers who wish to avoid litigation [8] - The new judicial interpretation applies only to contracts signed after May 1, 2023, while contracts signed before this date are governed by existing laws [9]

Group 1 - The event organized by Hangzhou's Commerce Bureau aims to enhance vocational skills in the commercial service industry through competitions, promoting a culture of learning and skill development among workers [1] - The competition is part of Hangzhou's strategy to build an international consumption center, focusing on standardizing and upgrading service levels in the commercial sector [1] - A total of 36 individuals from various professions, including internet marketing, tea arts, and e-commerce, were recognized as technical models and skilled workers in the 2024 competition [1] Group 2 - Following the rise of the "Hangzhou Six Little Dragons," the city is poised for rapid development, with the Commerce Bureau collaborating with various departments to cultivate high-quality skilled talent through annual competitions [2] - The competitions are designed to establish a solid foundation for the growth of the commercial service industry in Hangzhou [2]

凤凰网财经讯 4月28日，三大指数开盘涨跌不一，沪指低开0.09%，深成指高开0.09%，创业板指高开 0.20%。离境退税、可控核聚变等板块指数涨幅居前，石英、乳业奶粉等板块指数跌幅居前。 华泰证券研报指出，进入二季度，房地产行业增量政策窗口逐步打开，结合更加积极有为的宏观政策以 及更加积极的财政政策定调，后续需关注实操政策落地节奏。华泰证券认为一线城市更具政策弹性，看 好因此带来的市场复苏节奏以及相关标的。 国金证券：万能险新业务允许最低保证利率可调，利差损风险继续下降 国金证券研报表示，近日，金融监管总局发布《关于加强万能型人身保险监管有关事项的通知》，本通 知自2025年5月1日起实施，对不符合《通知》要求的存量业务，给予一年的过渡期，原则上应当于2026 年4月30日前完成整改。我们认为，一方面，万能险产品新业务允许最低保证利率可调，有助于更好防 控利差损风险；另一方面，从产品管理、账户管理、资金运用管理、销售管理等方面，进一步强化万能 险监管，市场秩序将进一步规范，利好规范经营的大型险企。 银河证券指出，随着美国关税政策的影响边际递减，投资者风险偏好逐渐回升。同时，我国将实施更加 积极有为的宏观政 ...

智通财经APP获悉，中信建投证券发布研报称，关税与美联储降息两大海外宏观交易逻辑有所改善，政 治局会议以稳为主，市场政策博弈阶段落地。央行呵护资金面，市场微观流动性仍具托底作用。市场中 期处于震荡阶段，但短期市场风险偏好正在提升，推动市场风格阶段性转向成长。短期可把握政策催化 与一季度业绩确定性，重点关注银行、电力、美容、汽车等行业。中期建议重点关注具备地缘政治隔 离、内需驱动和成长弹性特征的"新质内需成长"方向，新消费、AI等有望穿越博弈震荡持续走强。 中信建投主要观点如下： 海外关税与降息两大宏观交易逻辑有所改善。中美关税博弈现边际缓和信号，但短期达成协议可能性较 低，市场不确定性仍然较高。美联储降息预期有所松动，政策转向数据依赖与风险平衡。克利夫兰联储 主席哈马克称若数据足够清晰，最早6月可能启动降息。 4月政治局会议政策以稳为主，央行呵护资金面。4月政治局会议延续稳中求进总基调，首次将关税冲击 明确定性为"国际经贸斗争"，会议将服务消费作为扩内需核心抓手，同时结构性货币政策发力，财政政 策提速。房地产政策保持审慎克制，持续巩固房地产市场稳定态势。"稳就业"的篇幅明显变多，重点落 在受关税影响较大的企业 ...

Core Viewpoint - The event held in Jiangsu Rugao's An Ding Square showcased the strength and warmth of community partnerships among local businesses and residents, emphasizing mutual support and collaboration in grassroots governance [1][9]. Group 1: Community Engagement - The "Praise the People Around Us" event featured over ten local businesses, including dental and beauty services, which attracted significant public participation and appreciation [1][3]. - Community members shared touching stories of support and kindness, highlighting the strong bonds between residents and local merchants [3][5]. Group 2: Performances and Activities - Various performances, including a self-directed "Praise Quick Board" by local youth, entertained attendees and fostered a sense of community spirit [5]. - The "Praise Museum" displayed items with personal stories, symbolizing the mutual assistance and care within the community [7][9]. Group 3: Recognition and Future Plans - Sixteen local businesses received "Community Partner" certificates, marking their transition from bystanders to active contributors in community governance [9][11]. - The local government aims to enhance grassroots governance by integrating community partners into the decision-making process, promoting a collaborative environment [11].

盘面上，大消费股一度走强，美容、电商、食品等方向领涨，一致魔芋30CM涨停。化工股表现活跃，中毅达4天3 板。电力股持续活跃，建投能源等涨停。下跌方面，高位股集体大跌，连云港等多股跌停。 在市场量能持续萎缩的 背景下，短线风险偏好再度降低，所以导致了高位股承接不力的现象。 0 1 四部门联合发布！ 4月15日，中国人民银行发布消息，为贯彻落实中央金融工作会议精神，支持做好科技金融、绿色金融、普惠金融、 养老金融、数字金融"五篇大文章"。 近日，中国人民银行会同金融监管总局、中国证监会、国家外汇局联合印发《金融"五篇大文章"总体统计制度（试 行）》（以下简称《制度》）。 | | | 市场全天探底回升，上证指数顺利小幅翻红，为连续第六个交易日上涨；深证成指跌0.27%，创业板指跌0.13%，全 市场成交11102亿元。较上个交易日缩量2003亿。 这次的《制度》规定的统计对象全面覆盖很广，涉及到银行业、证券业、保险业金融机构以及金融基础设施机构， 统计范围包括贷款、债券、股权、资管债权、基金、保险、衍生品等多种金融工具和产品，综合统计金融"五篇大文 章"等重点领域的工作情况。 在外部不确定因素影响下， A股步入震 ...

智通财经4月15日电，大消费股盘中持续走强，食品、乳业、美容等多个方向表现活跃，盐津铺子触及 涨停续创历史新高，一致魔芋涨近30%，自去年9月以来股价涨超6倍，劲仔食品、安记食品、麦趣尔、 洁雅股份、两面针、欢乐家、久祺股份等多股涨停。 大消费股持续走强 盐津铺子续创历史新高 ...

Investment Rating - The report indicates a stable market outlook with potential upward movement, suggesting a positive investment sentiment in the near term [1]. Core Insights - The market has shown stability with a slight upward trend, although short-term momentum appears limited. The K-line has consistently closed above the 5-day moving average, indicating a potential for further upward movement if supported by increased trading volume [1]. - Various sectors are experiencing rotation, with technology, consumer goods, non-bank financials, home appliances, and metals showing activity, while a clear leading sector has yet to emerge [1]. - The report highlights the importance of observing market dynamics as different capital forces engage in various sectors, leading to a lack of a definitive market leader [1]. Market Overview - On March 18, the market experienced a slight increase, with the Shanghai Composite Index rising by 0.11%, the Shenzhen Component by 0.52%, and the ChiNext Index by 0.61% [3]. - The net inflow of capital was significant, with the Shanghai Stock Exchange seeing a net inflow of 55.49 billion and the Shenzhen Stock Exchange 89.20 billion [4]. Industry Dynamics - The Ministry of Industry and Information Technology has issued guidelines for the construction of digital energy and carbon management centers, aiming to enhance energy efficiency and carbon reduction capabilities in industrial enterprises [5]. - The OECD has revised down its global economic growth forecasts for the next two years, citing trade tensions and rising inflationary pressures [6]. - The National Energy Administration reported a year-on-year increase of 8.6% in total electricity consumption for February, indicating robust industrial activity [8]. Sector Developments - The China Real Estate Industry Association is set to hold a conference to discuss the real estate market trends and explore new development models [9]. - Suzhou is actively seeking support for its AI chip industry, aiming to attract investment and promote innovation in this sector [10]. - AMD has announced plans to expand its partnerships in China, expecting to reach 170 ISV partners by the end of 2025, highlighting growth in the AI PC ecosystem [11]. Fund Dynamics - Over 90% of large private equity funds reported positive returns, with an average gain of over 3% as of the end of February, indicating a strong recovery in the market [12]. - The Economic Daily emphasizes the need for capital markets to support new industrialization, focusing on attracting long-term investment to foster technological innovation [13]. Buyer Perspectives - Silver华基金 suggests that the current market may face technical pressure due to high profit-taking levels, while the consumer sector could see structural opportunities supported by low valuations and policy backing [15].