1． 攻略搜索：站在巨人的肩膀上 无论是购买电子产品、旅游服务，还是选择健身房、美容院，提前搜索攻略能让你快速了解行业"潜规 则"。例如，在购买手机前，可以通过搜索引擎、社交媒体、专业论坛等渠道，搜索"XX手机使用体 验""XX品牌常见问题"等关键词，了解产品的真实性能、续航、售后等关键信息。攻略不仅能帮你避 开"智商税"产品，还能让你在购买时更有底气与商家议价。 2． 评价筛选：去伪存真，识别"水军" 电商平台、社交媒体上的用户评价是重要的参考依据，但需学会筛选。首先，关注"差评"和"中评"，这 些往往更能反映产品的真实问题。其次，警惕"好评返现"诱导的虚假评价，这类评价通常内容空洞、重 复度高。最后，结合评价数量与销量判断，若销量高但评价少，或评价内容高度相似，可能存在刷评行 为。例如，某网红餐厅若只有"好吃""服务好"等泛泛之词，却无具体菜品描述，需谨慎选择。 3． 黑猫红黑榜：企业信誉的"照妖镜" 黑猫投诉 【下载黑猫投诉客户端】平台的"企业红黑榜"是消费避坑的"神器"。红榜企业通常处理投诉 效率高、用户满意度高，而黑榜企业则可能存在拖延处理、拒不退款等问题。例如，某电商平台若长期 位列黑榜，可能存在 ...

尤其在旅游平台、航空公司、酒店预订、滑雪场、租车服务等冬季热门行业中，不少消费者会提前搜 索"XX公司+投诉"等关键词，了解其服务响应速度、问题解决能力及用户口碑，从而做出更稳妥的选 择。 随着冬季来临，冰雪游、温泉度假、年货采购等消费进入高峰，各类消费纠纷 【下载黑猫投诉客户 端】也呈上升趋势。尤其在旅游、电商、出行等服务领域，消费者容易因信息不对称、服务标准不统一 等问题遭遇"消费陷阱"。如何在付款前提前识别风险、避开常见纠纷，已成为现代消费者必备的自我保 护技能之一。 一、消费前查投诉，已成"新习惯" 过去，很多人习惯在消费遇到问题后才开始维权，但此时往往已造成时间、金钱甚至情感上的损失。如 今，越来越多的用户开始养成"消费前先查投诉"的习惯——就像订酒店前看评论、买商品前翻评价一 样，查看目标企业或品牌在黑猫投诉等平台上的历史投诉情况，已成为决策的重要参考。 这类平台通常具备信息聚合、数据公开、处理流程透明等特点，是目前普通消费者最常使用的查询渠 道。例如黑猫投诉，用户可通过其网站、App或微信/支付宝/抖音小程序便捷登录，查询企业历史投诉 内容与处理进展。所有投诉内容经脱敏后对外展示，消费者可基于企 ...

（原标题：津巴布韦1-9月旅游业收入近10亿美元） 《先驱报》11月20日报道，2025年1至9月，津巴布韦旅游业收入约9.22亿美元，较2024年同期的 8.39亿美元增长10%。期间，国际游客同比增长9%，国内旅游同比激增 20.9%。2024年，赴津国际旅客 超160万，创收约12亿美元，并吸引1.905亿美元投资。 目前，津政府正通过降低旅游费用、加强基础设施建设、推进数字化转型等措施，巩固旅游业在实 现国家经济结构转型和"2030愿景"的支柱地位。 ...

Group 1 - The core viewpoint of the articles is that Angli Education is acquiring Shanghai Leyou International Travel Agency to achieve strategic and business synergies, focusing on the aging population and the silver economy as a growth avenue [1][2] - Angli Education's main business is in education and training, and the acquisition aims to provide personalized travel services for the elderly, enhancing the company's silver economy business [1] - Shanghai Leyou is one of the top three local travel agencies in Shanghai, with a strong market reputation and a customer base that is over 70% elderly, which aligns with Angli Education's target demographic for its "Happy Community" initiative [1] Group 2 - As of June 2025, Shanghai Leyou reported a negative net asset value of 9.1295 million yuan, indicating insolvency, with revenues of 65.9225 million yuan and 38.6414 million yuan for 2024 and the first half of 2025, respectively, both showing net losses [2] - Despite the losses, the equity value of Shanghai Leyou is assessed at 38.5 million yuan, reflecting an appreciation of 47.6295 million yuan, with a growth rate of 521.71% [2] - For the first three quarters of 2025, Angli Education achieved a revenue of 1.081 billion yuan, a year-on-year increase of 12.03%, and a net profit of 46 million yuan, up 141.11% year-on-year, attributed to improved operational efficiency [2]

印度新德里电视台22日报道称，为推动印中关系正常化，印度政府已全面恢复向中国公民发放旅游签 证。该举措被印媒评价为印中两国关系持续缓和的又一重要信号。 据报道，今年7月，印度时隔5年恢复对中国公民的旅游签证办理，但当时仅开放印度驻华大使馆以及驻 上海、广州和香港领事馆的办理渠道。《新印度快报》称，此次将签证办理范围扩大至全球，彰显出印 度对当前双边关系发展态势的信心不断增强。 不过，据《环球时报》驻印度特约记者观察，在第一次"恢复签证"的短暂喜悦后，中国游客很快感受到 印度对华旅行签证的"高门槛"，特别是在世界各国持续优化签证的潮流下，显得缺乏成效。而此次面对 全球中国公民开放印度旅游签证，并不代表简化了程序，其通过率是否有所改善仍待观察。印度一家旅 行社的负责人维克拉姆·拉纳说，目前印度面向中国游客的签证流程复杂耗时，"导致中国游客纷纷转向 其他目的地"。此外，印度旅游业重启中国市场也面临现实困难，如需要升级服务体系以贴近中国游客 的需求、接待酒店争取提供中餐和中文菜单、招募懂中文的导游、加强景点安全保障措施以缓解中国游 客对安全问题的顾虑等。 中青旅首席品牌官徐晓磊23日告诉《环球时报》记者，前期赴印旅游 ...

会议要求，中央企业要坚持主动谋划、加强集团战略引领，坚持防范内卷、优化行业资源配 置，坚持提升本领、增强战新整合能力，坚持融合为本、打造一体化竞争优势，坚持协同推 进、形成整体工作合力。 来源：综合自 央视新闻客户端、 国务院国资委官网、中国旅游集团官网 据国务院国资委官网消息，11月21日，国务院国资委组织召开中央企业专业化整合推进会并 举行重点项目签约仪式。 会议指出，各中央企业高度重视专业化整合工作，去年以来，围绕服务国家战略、推动科技创 新、促进高质量发展，持续调整存量、优化增量。通过一系列整合，进一步优化产业布局，提 高资源配置效率，提升企业核心竞争力。 中国旅游集团官网显示， 中国旅游集团有限公司暨香港中旅（集团）有限公司是中央直接管理 的国有重要骨干企业，也是总部在香港的中央企业之一。集团历史可追溯到1923年8月15日上 海商业储蓄银行设立的旅行部。经过百余年的发展，集团形成了由旅行社、景区、酒店、免 税、旅游交通、证件业务、邮轮、地产、文创以及在港综合业务组成的产业布局，经营网络遍 布内地、港澳和海外超过30个国家和地区。集团旗下汇聚了港中旅、国旅、中旅、中免等众多 知名旅游品牌，是我国唯一 ...

Group 1: Investment Strategies Overview - CITIC Securities released a comprehensive report on investment strategies for 2026, covering global capital markets, macroeconomic policies, A-shares, overseas markets, bond markets, asset allocation, and industry investment strategies [1] - The report includes insights from 19 research teams and spans approximately 30,000 words [1] Group 2: Pharmaceutical and Biotech Investment Strategies - The Chinese pharmaceutical industry is entering a critical phase characterized by "innovation realization + global layout," supported by population and domestic demand, as well as manufacturing capabilities [3][4] - The industry needs to focus on internal supply chain security and compliance while exploring diversified international expansion [3] - Key investment opportunities for 2026 include innovation commercialization, global breakthroughs, policy optimization, and industry mergers and acquisitions [3][5][6] Group 3: Medical Device Investment Strategies - The medical device sector is expected to see performance improvements in 2026 due to policy easing, new product launches, and international expansion [14] - The long-term investment opportunities in this sector stem from innovation, internationalization, and mergers and acquisitions [14] - The industry is witnessing a shift towards high-value consumables and innovative technologies such as brain-computer interfaces and AI in healthcare [14][15] Group 4: Consumer Healthcare and Bioproducts - The traditional Chinese medicine sector is expected to recover from short-term pressures, with improved demand anticipated by year-end [9] - The blood products industry is focusing on supply growth and consolidation, with significant demand for immunoglobulin and factor products [10] - The vaccine sector is under pressure but is expected to improve with new product sales and international expansion [10] Group 5: Banking Sector Investment Strategies - The banking sector is expected to continue its weak recovery in 2025, with a focus on high dividend strategies [25][26] - The sector's fundamentals are stabilizing, with credit growth projected at 7%-8% and non-interest income expected to improve [26] - High dividend yield strategies are favored, particularly for state-owned banks and those with solid fundamentals [27] Group 6: Wealth Management and Financial Products - The wealth management sector is entering a phase of product transformation and structural optimization, with an expected growth rate of 10% in 2026 [28][33] - The focus is on multi-asset and multi-strategy products, with a significant increase in mixed product offerings anticipated [29][30] - The integration of AI and digital technologies is expected to enhance risk management and operational efficiency in wealth management [30] Group 7: Non-Banking Financial Institutions - The securities industry is poised for a new growth cycle, driven by policies that enhance capital market inclusivity and adaptability [35][36] - The industry is experiencing a shift from self-operated models to collaborative, light-asset business strategies [36][37] - The internationalization of Chinese securities firms is gaining momentum, providing new opportunities for growth [38][39] Group 8: Insurance Sector Trends - The insurance industry is expected to undergo significant changes during the "14th Five-Year Plan" period, focusing on balancing interests among insurers, channels, and customers [43][44] - Key trends include the transformation of savings products, innovation in health insurance, and the development of new distribution channels [43][44] - The sector is anticipated to benefit from improved performance and valuation recovery, presenting investment opportunities [43][44] Group 9: Food and Beverage Sector - The food and beverage sector is recovering from a prolonged downturn, with a focus on premium products like liquor and health-oriented snacks [48][49] - The liquor industry is expected to stabilize as consumer confidence improves, with a focus on high-quality brands [49][50] - The snack and beverage segments are seeing growth driven by health trends and innovative product offerings [52][53]

近年来，我国消费市场规模稳步扩大，服务消费表现亮眼。2020年至2024年，居民服务性消费支出年均 增长9.6%。今年9月，商务部等部门印发《关于扩大服务消费的若干政策措施》，更大力度提振消费、 扩大内需。党的二十届四中全会审议通过的《中共中央关于制定国民经济和社会发展第十五个五年规划 的建议》提出，"以放宽准入、业态融合为重点扩大服务消费"。本期特邀专家围绕相关问题进行研讨。 把握升级趋势释放服务消费潜力 扩大服务消费的重要意义和作用体现在哪些方面？如何看待服务消费未来发展潜力？ 谭永生（中国宏观经济研究院产业经济与技术经济研究所副所长、研究员）：服务消费是促进民生改善 的重要支撑，也是消费转型升级的重要方向。当前，我国居民消费个性化、多样化、品质化的升级趋势 日益明显，正从商品消费转向服务消费，需充分认识发展服务消费的重大意义及其发展潜力，坚持扩大 内需这个战略基点，增强国内大循环内生动力和可靠性。 扩大服务消费是扩内需的现实需要。商品消费多以满足功能性需求为主，边际效用会逐步递减，如居民 不会在短时间内重复购买家电、汽车等耐用消费品。服务消费更强调情感和体验层面的满足，具有持续 升级和反复消费的特性，这 ...

欢迎扫描下方二维码关注： 近期，旅游消费市场活力满满，旅游企业生意兴隆的同时，增值税应该怎么缴？今天，申税小微就为大家拆解 旅游服务增值税 差额 计税 的全流程操作，政策依据、发票开具、申报填写一次讲透，快收藏！ 一、旅游服务增值税 "差额计税"能省税！ 旅游服务是个"大杂烩"，涵盖交通、游览、住宿、餐饮等多个环节。试点纳税人提供旅游服务，可以选择以取得的全部价款和价外 费用，扣除向旅游服务购买方收取并支付给其他单位或者个人的 住宿费、餐饮费、交通费、签证费、门票费 和支付给其他接团旅游企 业的旅游费用后的余额为销售额。 举个例子： A公司是旅游服务一般纳税人，2024年10月取得旅游收入53万元，其中支付住宿费12.36万、餐饮费5.15万、交通费3.09万、 门票费11.2万。 则A公司不含税销售额为： (53 - 12.36 - 5.15 - 3.09 - 11.2) ÷ (1+6%) = 20万元。 划重点：扣除的款项必须取得合法有效凭证哦！无凭证费用不得扣除。 二、发票开具： 这些"红线" 别踩，差额开 票看这里！ 选择 差额计税 的纳税人注意了！向游客收取并支付的住宿费、餐饮费、交通费等费用， 不 ...

Group 1 - The core viewpoint emphasizes the importance of fully unleashing the market potential of a consumer powerhouse like China to drive high-quality economic development and enhance endogenous growth momentum [1] Group 2 - As of 2024, China's total automobile production and sales have ranked first in the world for 16 consecutive years, with home appliance sales such as air conditioners, washing machines, and refrigerators also leading globally [3] - China has the largest number of movie screens in the world, creating the largest film screening network globally, and is the largest single domestic tourism market, with domestic residents traveling 4.998 billion times in the first three quarters of this year, a year-on-year increase of 18% [5] Group 3 - In the digital consumption sector, China has the largest online retail market in the world, with online retail sales reaching 12.79 trillion yuan in the first ten months of this year, a year-on-year growth of 9.6% [7] - China leads globally in digital consumption and innovative payment methods, with mobile payment transaction volume expected to reach 563.7 trillion yuan in 2024 [9]