在商业活动中，消费者与企业之间难免会因产品质量、服务态度等问题产生纠纷。当合法权益受到侵害 时，及时有效地投诉企业是维护自身权益的关键。不同行业、不同地域有着各自适用的投诉渠道，掌握 这些途径，能让我们在维权时更加得心应手。 一、通用投诉渠道：广泛覆盖，高效维权 12315 平台：消费者权益的守护热线 12315 是全国统一的消费者投诉 【下载黑猫投诉客户端】举报专线电话和全国互联网平台，无论是线上 购物还是线下消费，无论是商品质量问题还是服务纠纷，都可以拨打 12315 进行投诉。它由国家市场监 督管理总局设立，具有权威性和广泛的影响力。消费者只需拨打热线电话，按照语音提示提供相关信 息，或者登录 12315 官方网站、手机 APP 进行在线投诉，就能快速将问题反馈给相关部门。12315 平 台会对投诉进行分类处理，及时转交给企业所在地的市场监管部门，督促企业解决问题，并跟踪处理进 度，确保消费者的诉求得到回应。 责任编辑：孙晓明 黑猫投诉平台：公开透明，舆论监督 黑猫投诉平台是一个第三方投诉平台，以其公开透明的特点受到消费者的青睐。它提供了官网、手机 APP、微信/支付宝/抖音小程序等多种投诉渠道，操作流 ...

Core Insights - The Suzhou Digital Finance High-Quality Development Conference highlighted the latest advancements in digital finance reform, focusing on institutional innovation, sci-tech finance, and cross-border collaboration [1][2] Group 1: Digital Finance Developments - Suzhou has emerged as a pioneer in digital finance reform, with digital yuan transactions exceeding 10 trillion yuan, accounting for approximately 70% of the national total [1] - The "Suqi Rong" platform has achieved a cumulative credit scale of 2.1 trillion yuan, serving over 940,000 enterprises [1] - The city is accelerating the construction of a digital finance open ecosystem, enhancing collaboration with Hong Kong and international partners [1] Group 2: Strategic Collaborations - The Suzhou government established strategic partnerships with five financial headquarters, including CICC, Hengfeng, and Citibank [2] - Investment cooperation was formed with ten sci-tech enterprises in cutting-edge fields such as robotics, biomedicine, and semiconductors [2] - A task list for Hong Kong-Suzhou financial collaboration was released, outlining 18 key tasks across eight areas, including cross-border services and digital finance [2] Group 3: Economic and Innovation Metrics - Suzhou's permanent population exceeds 16.5 million, with a total industrial output value surpassing 5.5 trillion yuan [3] - The city ranks first in the number of technology-based SMEs and third in the number of companies listed on the Sci-Tech Innovation Board [3] - Suzhou aims to leverage digital finance as a key engine for high-quality urban development, optimizing the business environment to attract capital, talent, and technology [3]

| 名称 | 现价 | 涨跌幅 ◆ | | --- | --- | --- | | 金山软件 | 28.560 | -7.03% | | 3888.HK | | | | 小鹏汽车-W | 81.850 | -4.49% | | 9868.HK | | | | 携程集团-S | 554.000 | -3.57% | | 9961.HK | | | | 蔚来-SW | 45.140 | -3.22% | | 9866.HK | | | | 华虹半导体 | 78.000 | -3.05% | | 1347.HK | | | | 小米集团-W | 37.700 | -2.89% | | 1810.HK | | | | 哔哩哔哩-W | 196.600 | -2.67% | | 9626.HK | | | | 理想汽车-W | 70.050 | -1.75% | | --- | --- | --- | | 2015.HK | | | | 舜宇光学科技 | 64.050 | -1.61% | | 2382.HK | | | | 网易-S | 212.600 | -1.39% | | 9999. HK | | | | 阿里 ...

【导读】英伟达财报提振亚洲股市 中国基金报记者 泰勒 大家好，一起关注下今天全球市场的表现吧。 亚洲市场大涨 11月20日，受科技股推动，亚洲市场全线大涨。 日经225指数涨幅为2.65%，韩国KOSPI指数涨幅为1.92%，台湾加权指数涨超3%。 芯片制造设备制造商东京电子涨超5%。而英国芯片设计公司Arm的母公司软银集团在早盘跳涨超过8%，尾盘涨近2%。 台积电和鸿海科技这两只股票分别上涨4.3%和3.28%。 | < 标后 | 亚太指数 () | | Q | | --- | --- | --- | --- | | 名称 | 最新 | 涨幅↓ | 消假跌 | | 台湾加权 | 27426.36 | 3.18% | 846.24 | | TWII | | | | | 日经 225 | 49823.94 | 2.65% | 1286.24 | | N225 | | | | | 韩国 KOSPI200 | 564.20 | 2.09% | 11.54 | | KOSPI200 | | | | | 菲律宾马尼拉 | 5930.81 | 2.01% | 117.10 | | PSI (延 | | | | | 韩国 ...

2025年11月20日，市场全天震荡走弱，三大指数集体收跌。截至收盘，沪指跌0.40%，深成指跌 0.76%，创业板指跌1.12%。 题材方面，能源金属、水泥建材、银行等板块涨幅居前，美容护理、电池、船舶制造等板块跌幅居前。 主力资金上，银行、燃气、房地产等行业概念流入居前。 ETF方面，或受相关消息刺激，建材、地产、银行等相关ETF表现亮眼！ 【机构：水泥行业反内卷方向明确，海外市场表现强劲】 国泰海通表示，水泥行业当前处于政策执行与治理改善的关键阶段。反内卷政策方向明确，水泥协会已 推动限制超产的技术标准落地，行业对监督执法的信号保持关注。国内水泥需求疲软，但海外市场表现 强劲，华新水泥等企业海外吨毛利同比显著提升，中亚等区域修复明显。 中银证券表示，基本面承压+"十五五"规划建议表态偏向积极，未来地产优化政策落地的空间打开。对 未来地产行业的修复有一定信心。地产从标的来看，一方面，流动性安全、重仓高能级城市、产品力突 出的房企或更具备α属性；另一方面，在新消费时代下，提前布局新业态、新模式、新场景的商业地产 公司，有望率先走出重围。 华泰证券分析表示，10月底"十五五"规划建议发布，其中提到构建现代化基 ...

Market Overview - The three major indices in the A-share market experienced fluctuations and consolidation, with total trading volume decreasing to 1.72 trillion yuan, indicating a growing wait-and-see sentiment among investors [1] - On November 20, the Loan Prime Rate (LPR) remained unchanged at 3.0% for the one-year term and 3.5% for the five-year term, aligning with market expectations [2] - The People's Bank of China is expected to continue implementing moderately accommodative monetary policies to promote economic recovery, with potential for further LPR adjustments [2] Economic Indicators - The U.S. Federal Reserve's October FOMC meeting minutes revealed a significant division among officials regarding future interest rate cuts, with a cautious approach to balancing anti-inflation and recession prevention [1][3] - The market's expectation for a rate cut in December has significantly decreased to about 30% probability, influenced by the Fed's data-dependent stance [1] - The U.S. Bureau of Labor Statistics announced that the October employment report will not be released, delaying key employment data to December 16, which adds uncertainty to the Fed's future decisions [3] Market Performance - On November 20, the A-share market saw declines across major indices: the Shanghai Composite Index fell by 0.40% to 3931.05 points, the Shenzhen Component dropped by 0.76% to 12980.82 points, and the ChiNext Index decreased by 1.12% to 3042.34 points [4] - In terms of sector performance, construction materials, comprehensive services, and banking sectors showed gains, while beauty care, coal, and electrical equipment sectors faced notable declines [4] Fund Flow - The market's trading volume was reported at 17,227.98 billion yuan, reflecting a decrease from the previous trading day [5] - The margin financing balance was recorded at 24,979.40 billion yuan, also showing a decline compared to the prior day [5]

炒股就看金麒麟分析师研报，权威，专业，及时，全面，助您挖掘潜力主题机会！ "7连板"热股，上演"天地天" A股三大指数今日回调。午后，锂电概念股冲高回落，算力概念股局部异动。板块题材上，海南、盐湖 提锂、银行板块走高，硅能源、中船系板块回调较多。 截至收盘，上证指数跌0.4%，深证成指跌0.76%，创业板指跌1.12%。 | 上证指数 | 深证成指 | 创业板指 | | --- | --- | --- | | 3931.05 | 12980.82 | 3042.34 | | -15.69 -0.40% | -99.27 -0.76% | -34.51 -1.12% | 个股方面，停牌核查3个交易日的合富中国今日复牌被资金热捧，再度涨停，截至收盘，该股报26.18 元/股，总市值104.21亿元。10月28日以来，15个交易日内获13个涨停板，累计涨幅达291.92%。九牧王 今日上演"天地天"走势，走出"7连板"，位居同花顺A股人气榜第一名。 算力股午后表现活跃 | 华为欧拉 0 V | | | | | --- | --- | --- | --- | | 1669.38 0.74% | | | | | 成分股 ...

Core Viewpoint - The article highlights the efforts of the Agricultural Bank of China's volunteer team in providing audio descriptions for visually impaired individuals to enjoy movies, showcasing a commitment to social responsibility and inclusivity [2][15][19]. Group 1: Volunteer Activities - The Agricultural Bank's volunteer team has been conducting audio description activities for visually impaired individuals for twelve years, evolving from a small gathering to nearly a hundred attendees per session [2][15]. - Volunteers guide visually impaired attendees from public transport to the cinema, ensuring a seamless experience [3][5]. - The preparation for each movie involves a collaborative effort where volunteers write detailed scripts, requiring approximately 30 hours of preparation for a two-hour film [11][12]. Group 2: Impact on Participants - The initiative has significantly impacted the lives of visually impaired individuals, fostering social connections and encouraging them to engage more with the community [19][20]. - Participants express a sense of belonging and enjoyment, with some even taking on roles such as hosts during events [19][20]. - The program has led to the development of friendships and support networks among visually impaired attendees and volunteers [19][20]. Group 3: Organizational Structure and Growth - The volunteer team has grown from a few members to a stable group of 256, supported by a structured operational model that includes training and experience sharing [16][17]. - The team has expanded its services beyond movie screenings to include recording audiobooks and advocating for better accessibility in public transport [17][19]. - As of October 2025, the team has narrated 125 films, written 2.58 million words of scripts, and provided over 11,400 hours of volunteer service, benefiting approximately 11,500 visually impaired individuals [17][19].

【导读】英伟达财报提振亚洲股市 中国基金报记者 泰勒 大家好，一起关注下今天全球市场的表现吧。 亚洲市场大涨 11月20日，受科技股推动，亚洲市场全线大涨。 日经225指数涨幅为2.65%，韩国KOSPI指数涨幅为1.92%，台湾加权指数涨超3%。 | < 标志 | 亚太指数 () | | | | --- | --- | --- | --- | | 名称 | 最新 | 涨幅↓ | 污长跌 | | 台湾加权 | 27426.36 | 3.18% | 846.24 | | TWII | | | | | 日经 225 | 49823.94 | 2.65% | 1286.24 | | N225 | | | | | 韩国 KOSPI200 | 564.20 | 2.09% | 11.54 | | KOSPI200 | | | | | 菲律宾马尼拉 | 5930.81 | 2.01% | 117.10 | | PSI (延 | | | | | 韩国 KOSPI | 4004.85 | 1.92% | 75.34 | | KS11 | | | | | 泰国 SET | 1291.42 | 1.51% | 19.25 | | ...

该行预期，建设银行2026年净息差收窄幅度将收窄，压力主要集中在第一季度贷款重定价时期。约六成 按揭贷款将于2026年1月1日重定价，管理层认为2026年净利息收入有望转为正增长，这将支持收入增 长。该行表示，经定期重估物业价格后，按揭贷款的贷款价值比率超过40%，对目前按揭贷款的信贷质 素感到满意。管理层表示，对目前的不良贷款覆盖率感到满意，并愿意在收入趋于稳定的情况下，逐步 释放拨备以支持利润。 摩根士丹利发布研报称，建设银行（601939）(00939)管理层表示，消费贷款、按揭及大型企业贷款的 收益率正趋于稳定，若2026年贷款市场报价利率(LPR)没有大幅下调，收益率可望维持稳定。大摩维持 建行"增持"评级，目标价9.5港元。 ...