2. 会写代码，就意味着你可以做网站、写小程序、做自动化工具，这些都是可以直接变现的能力。 在互联网行业，很多程序员都会遇到这样的困境： 加班多、项目紧、工资涨得慢，技术更新快到让人焦虑。 于是，越来越多人开始思考：除了本职工作，我能不能搞点副业？ 作为一个从业十年的程序员，我见过太多同事、副业做得风生水起的，也见过不少人折腾了一年半载， 最后颗粒无收。 今天我就结合自身和身边人的经验，聊聊程序员做副业的正确姿势，帮你少走弯路。 很多行业的人做副业需要从零开始学技能，而程序员天生就有几个优势： 1. 技术变现能力强 3. 接触互联网资源多 4. 程序员每天都在和各种平台、数据打交道，比起其他行业，更容易接触到副业机会。 5. 项目思维和执行力 6. 写代码的过程就是拆解任务、逐步实现的过程，这种能力在做副业时同样有用。 所以，程序员搞副业，如果选对方向，起步往往比别人快很多。 ...

Core Viewpoint - In the digital age, SaaS mini-program development platforms have become essential tools for businesses to connect with users and expand operations, particularly favored by small and medium-sized enterprises due to their low cost, high efficiency, and strong scalability [1]. Group 1: Mini-Program Development Process - The process of creating a mini-program includes selecting a development platform, designing the interface, adding products, setting marketing functions, applying for account certification, enabling payment options, and finally publishing the mini-program [1][5][11][13][16][18][20][23]. Group 2: Cost of Development - SaaS mini-programs are offered on a subscription basis, with annual fees ranging from 1,950 yuan to 7,990 yuan, while custom development costs between 19,100 yuan and 26,500 yuan [23]. - The cost of traditional mini-program development is significantly higher, requiring substantial upfront investment in server infrastructure and technical teams, whereas SaaS solutions reduce costs by approximately 90% [25]. Group 3: Competitive Advantages of SaaS Platforms - The core competitive advantage of SaaS mini-program platforms lies in their rapid delivery, with a typical development cycle of just a few days or hours compared to the 3 to 6 months required for traditional development [26]. - SaaS platforms provide a wide range of industry templates, allowing businesses to easily customize their mini-programs without needing extensive technical knowledge [26]. - SaaS platforms also handle technical maintenance, server security, and updates, allowing businesses to focus on operations rather than technical issues [27]. Group 4: Business Model and Features - SaaS mini-program platforms typically offer a freemium model, where basic features are free and advanced functionalities are paid, covering marketing, operations, and data analytics [27]. - Marketing features include group buying, flash sales, and coupon distribution, while operational tools encompass membership systems, order management, and logistics integration [27].

Core Viewpoint - The financial industry's digital transformation is accelerating, with data as the core driver, reshaping financial services and facing challenges in compliance, efficiency, and technology innovation [1][4]. Group 1: Understanding Digital Finance - Digital finance is viewed as the "new infrastructure" of finance, supporting key areas like inclusive finance and green finance, and represents a higher stage of financial technology driven by data [5][6]. - The core of digital banking lies in technology and data, emphasizing the importance of data as the foundational element for digital finance [5][6]. Group 2: Organizational Structure for Digital Finance - The bank has established a dual committee structure to promote digital finance, with a Digital Finance Promotion Committee led by the president and an AI Innovation Application Committee under the IT Committee [6][7]. - The IT and big data departments focus on building a robust data platform and agilely supporting frontline business while ensuring alignment in goals and operational rhythm [6][7]. Group 3: Unique Positioning of the Bank - The bank aims to practice inclusive finance through digital capabilities, focusing on serving small and micro enterprises while maintaining a cautious and prudent approach to business [7][8]. - The bank's strategy emphasizes differentiation in customer base, technology, and product offerings, aiming for a "small but beautiful" model rather than large-scale operations [7][8]. Group 4: AI Model Applications - The application of large models in finance is progressing slowly due to high compliance requirements, with current uses focusing on standardization and efficiency improvements in specific tasks like anti-money laundering [9][10]. - The bank is exploring the use of AI agents to enhance coding efficiency and improve risk control model development, demonstrating the potential of AI in operational tasks [9][10]. Group 5: Customer Interaction Transformation - The bank is evolving its customer interaction from passive response to proactive sensing, aiming for a "one-sentence bank" model where customer needs are identified and addressed seamlessly [11][12]. - Innovations in service delivery include intelligent customer service and card-based service requests, significantly enhancing customer experience [11][12]. Group 6: Balancing Foundation Work and Innovation - Emphasizing the importance of foundational data work, the bank believes that solid data infrastructure is essential for fostering innovation in AI applications [13][14]. - The bank advocates for a balanced approach to AI governance, focusing on establishing safety boundaries and ethical standards while promoting innovation [14][15].

Core Viewpoint - Tencent's Q2 2025 performance shows robust growth across its core business segments, particularly in gaming, advertising, and financial technology, despite rising administrative costs and fluctuations in joint venture earnings [19][20]. Group 1: Financial Performance - Tencent's stock price rose over 600 HKD post-earnings announcement, closing at 590 HKD, with a market capitalization of 5.4 trillion HKD [1]. - Year-to-date, Tencent's stock has increased by 42.72%, outperforming the Hang Seng Index and Hang Seng Tech Index [1]. - Q2 2025 revenue from value-added services reached 913.68 billion RMB, a year-on-year increase of 15.92% [5]. - Financial technology and enterprise services revenue grew by 10.10% year-on-year to 555.36 billion RMB, driven by consumer loan services and commercial payment activities [5]. Group 2: Gaming Segment - Domestic gaming revenue in Q2 2025 grew by 17% year-on-year to 404 billion RMB, supported by new game releases and existing titles [3]. - International gaming revenue surged by 35% year-on-year to 188 billion RMB, driven by Supercell's games and PUBG MOBILE [4]. Group 3: Advertising and Marketing - Marketing services revenue increased by 19.72% year-on-year to 358.62 billion RMB, benefiting from AI-driven advertising platform improvements [6]. - Video account marketing services saw a revenue increase of approximately 50% year-on-year, attributed to higher traffic and transaction activity [6][7]. - WeChat search revenue grew by about 60% year-on-year, enhanced by AI technology improving ad relevance [7]. Group 4: Profitability and Margins - The gross margin for the value-added services segment returned to over 60%, reaching 60.4%, a year-on-year increase of 3.39 percentage points [9][10]. - Overall gross margin for Q2 2025 rose by 3.60 percentage points year-on-year to 56.92% [10]. Group 5: Cost Management - Sales and marketing expenses increased by only 2.77% year-on-year, indicating effective management of marketing expenditures [11]. - Administrative expenses rose by 16.11% year-on-year, primarily due to increased R&D and employee costs related to AI initiatives [11]. Group 6: AI and Future Outlook - Management is exploring monetization avenues for AI, emphasizing its contribution to existing business growth [12]. - Capital expenditures for Q2 2025 were 191.07 billion RMB, a year-on-year increase of 118.89% [14]. - The company is focused on tracking AI's impact on business efficiency and growth across various sectors [17][18].

" 重回 700 的关键，可能在 AI 。 " 作者丨 胡家铭 编辑丨 董子博 8 月 13 日港股收盘后，腾讯发布截至 2025 年 Q2 财报，报告期内，腾讯实现营收 1845 亿人民币，同 比增长15%，实现经营盈利 692 亿人民币，同比增长 18%。 13 日当天，腾讯港股涨幅为 4.74% ， 14 日开盘一度触及 600 港元/股，截至发稿，报 594 港元/股。 腾讯港股的代码是 00700 ，内部一直有"700重回700"的梗，如果在 200 港元左右的低谷期，大多数人 想必会一笑了之，但如今看来，已经不再遥远。 财报数据显示，游戏业务方面，本土市场实现营收 404 亿，同比增长 17% 。去年上线的 FPS 搜打撤项 目《三角洲行动》，日活已经突破 2000 万，从趋势来看，大有进入新的长青游戏序列。王者荣耀、和平 精英自不必说。 国际市场方面，本季度腾讯实现营收 188 亿，同比增长 35%,则主要得益于《皇室战争》频繁的内容更 新，6月流水创下7年来的新高。同时，《PUBG Mobile》收入实现增长，新上线的《沙丘：觉醒》也贡 献了部分收入。 某券商传媒研究员向雷峰网点评，腾讯财报的 ...

Core Viewpoint - Tencent has reported record-high financial results for the second quarter, achieving significant revenue and profit growth, driven primarily by its gaming business and advancements in AI technology [1][11]. Financial Performance - Total revenue reached 184.5 billion RMB, a year-on-year increase of 15% [2]. - Net profit grew by 17% to 55.6 billion RMB, with a gross margin improvement to 57% [1][2]. - The company achieved its fastest revenue growth in four years and a new high in gross margin [1]. Gaming Business - Gaming revenue amounted to 59.2 billion RMB, reflecting a 22% year-on-year increase [5]. - Domestic game revenue was 40.4 billion RMB, up 17%, while international game revenue surged by 35% to 18.8 billion RMB [5]. - Popular titles like "Honor of Kings" and "Peacekeeper Elite" continue to perform exceptionally well, with "Honor of Kings" being the only mobile game to surpass 1 billion USD in revenue in the first half of the year [7][9]. AI Integration - AI has become a focal point for Tencent, with significant investments leading to improved operational efficiencies and revenue generation [11][16]. - The advertising business saw a 20% increase in revenue to 35.8 billion RMB, attributed to AI optimizations in ad placement and production [19][24]. - AI is also enhancing gaming experiences, with applications in NPC design and gameplay mechanics [29][31]. Future Outlook - Tencent's diverse revenue streams, including gaming and AI, position it well for continued growth [31]. - The company is leveraging its gaming success to fund AI initiatives, ensuring a sustainable financial model [31].

Core Insights - Tencent Holdings reported a strong Q2 performance with revenue of 184.5 billion RMB, a year-on-year increase of 15%, and a Non-IFRS operating profit of 69.25 billion RMB, indicating robust growth despite high capital expenditures [1][4]. Revenue Breakdown - The three core business segments of Tencent showed solid performance in Q2. The value-added services revenue grew by 16% to 91.37 billion RMB, driven by a 22% increase in gaming revenue, maintaining over 20% growth for three consecutive quarters [4]. - The marketing services segment also performed well, with revenue reaching 35.76 billion RMB, reflecting a 20% year-on-year growth, surpassing the industry average and achieving double-digit growth for eleven consecutive quarters [4]. - The financial technology and enterprise services segment saw a notable improvement, with revenue increasing by 10% to 55.54 billion RMB, supported by growth in consumer loan services, commercial payment activities, and demand for AI-related services [5]. Profitability Metrics - Gross profit margin for value-added services was reported at 60%, while marketing services achieved a gross margin of 58%. Financial technology and enterprise services had a gross margin of 52%, indicating overall healthy profitability across segments [7].

Core Viewpoint - The report from CICC indicates that Tencent Holdings (00700) is experiencing rapid growth across various business segments, leading to an upward revision of revenue forecasts for 2025 and 2026 by 2% and 4% to 745.3 billion and 815.8 billion yuan respectively, while maintaining Non-IFRS net profit estimates unchanged [1] Group 1: Business Performance - In Q2 2025, Tencent's revenue exceeded expectations, with a year-on-year increase of 14.5% to 184.5 billion yuan, surpassing the firm's expectations by 3.5% and market expectations by 3.1% [1] - Non-IFRS net profit for Q2 2025 increased by 10% to 63.05 billion yuan, aligning closely with the firm's expectations and exceeding market expectations by 1.6% [1] - The advertising business saw a revenue increase of 20% to 35.8 billion yuan in Q2 2025, benefiting from AI applications in ad creation, placement, and analysis, with video account and mini-program ad revenues growing by 50% and search ad revenues by 60% [2] - The gaming segment reported a 22% increase in revenue to 59.2 billion yuan, exceeding expectations by 5%, with overseas game revenue up 35% [3] Group 2: AI Integration and Future Outlook - AI is significantly enhancing various business operations, particularly in advertising and gaming, by improving content production and user engagement strategies [2][3] - The company anticipates continued strong growth in gaming revenue in the second half of 2025, driven by new game launches and sustained performance of existing titles [3] Group 3: Financial Metrics - The gross margin improved by 3.6 percentage points in Q2 2025, with specific business segments like VAS, advertising, and FBS showing notable margin increases [5] - Non-IFRS operating profit grew by 18.5% in Q2 2025, while Non-IFRS net profit increased by 10%, reflecting effective cost management [5] - Capital expenditures for Q2 2025 were 19.1 billion yuan, with share buybacks totaling 19.4 billion HKD, completing 46% of the annual buyback plan in the first half of 2025 [5]

Group 1 - The provincial Ministry of Industry and Information Technology has initiated a recommendation process for digital products and services aimed at the elderly and disabled for the year 2025 [1] - The recommendation focuses on four categories: innovative technology, internet applications, hardware products, and intelligent services, aiming to enhance the supply of products and services and stimulate the development of the silver economy [1][2] - Innovative technologies include AI models, VR/AR, embodied intelligence, and 5G communication, targeting key areas such as multimodal interaction and information protection [1] Group 2 - Internet applications will focus on high-frequency life scenarios for the elderly and disabled, recommending accessible websites, mobile apps, and mini-programs that lower internet access barriers [2] - Hardware products will address urgent daily living issues for the elderly and disabled, promoting upgrades in digital technology and information accessibility through smart terminals, wearable devices, and service robots [2] - The application process consists of voluntary submission, provincial recommendation, and evaluation, with a deadline for submissions set for August 15 [2]

Group 1 - The Ministry of Industry and Information Technology, along with five other departments, has initiated a recommendation project for digital products and services aimed at the elderly and disabled, targeting completion by 2025 [1][4] - The recommendation focuses on four categories: innovative technologies, internet applications, hardware products, and intelligent services, encouraging companies to develop more suitable digital solutions for the elderly and disabled [2][3] - The project emphasizes the need for implemented projects that demonstrate innovative breakthroughs in digital technology adaptation for the elderly, with measurable economic and social benefits [2][4] Group 2 - The initiative aims to bridge the digital divide by utilizing advanced digital technologies to assist the elderly and disabled while addressing the barriers they face in using digital products and services [4][5] - The aging population in China, with over 20% aged 60 and above, is driving the growth of the "silver economy," leading to increased demand for digital literacy programs and suitable products [5][6] - The Ministry of Industry and Information Technology has established a framework for national, industry, group, and local standards, having released over 70 related standards to guide companies in their digital adaptation efforts [6][7] Group 3 - The Ministry of Industry and Information Technology and the Ministry of Civil Affairs have announced a notification to accelerate the integration of robots into smart elderly care services, with pilot projects planned from 2025 to 2027 [7][8] - The market for intelligent service robots in China is projected to reach between 50 billion to 100 billion yuan from 2025 to 2027, with expectations of exceeding 200 billion yuan by 2030 [7][8]